Overseas Visitor Health Cover • Australia

Find the right health cover
for your stay in Australia

Compare 16 OVHC plans from 7 trusted Australian insurers. Budget, mid-range, or comprehensive โ€” we help visitors, working holiday makers, and Super Visa applicants find their best fit.

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7 Insurers compared
16 OVHC plans
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Browse Plans

Compare 16 OVHC products from 7 insurers side-by-side. Filter by budget, coverage level, and extras.

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See premiums, waiting periods, hospital cover, dental, optical, and more โ€” all in one place with clear pros and cons.

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OVHC Providers

Australia's major OVHC insurers

Compare plans from all major overseas visitor health cover providers in Australia.

AIA

1 plans available

Large tier

AIA Health (AIA Australia) sells Overseas Visitors Health Cover built around visa condition 8501, with cover for visitor...

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1 cover option โ€” buy on this site

Bupa

3 plans available

Largest tier

Australia's largest private health insurer. Bupa OVHC covers overseas visitors, international students (OSHC), and worki...

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3 cover options โ€” compared here

Medibank

3 plans available

Second-largest tier

Australia's second-largest health insurer and one of the largest government-backed providers (privatised in 2014). Medib...

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3 cover options โ€” compared here

ahm (by Medibank)

2 plans available

Growing tier

ahm is Medibank's budget-focused brand, targeting younger demographics and working visa holders. Their OVHC products are...

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2 cover options โ€” compared here

Allianz Care Australia

3 plans available

Significant tier

Allianz Care is part of the global Allianz Group, one of the world's largest insurers. Their OVHC plans cover working vi...

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3 cover options โ€” compared here

nib

2 plans available

Third-largest tier

nib is Australia's third-largest health insurer, offering straightforward OVHC products for working visa holders, overse...

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2 cover options โ€” buy on this site
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Pricing at a Glance

What does OVHC cost?

Your premium is worked out for your own stay โ€” the cover you pick, how long you are here, how old you are, where you live in Australia and the excess you choose. We do not print numbers here, because any number written into a page is a number that goes out of date. The quote you get is priced for you, live.

Budget

Priced for your stay

No fixed rate on this page

Hospital + ambulance only. Minimal extras. Suitable for short-stay visitors and budget-conscious travellers.

See what each tier covers โ†’
Mid-Range

Priced for your stay

No fixed rate on this page

Hospital + GP + extras (dental, optical, physio). Best value for working holiday makers and families.

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Comprehensive

Priced for your stay

No fixed rate on this page

Full hospital + highest extras limits. Pre-existing condition cover after the waiting period. For Super Visa and older visitors.

See what each tier covers โ†’

Ready for a number? The quote funnel asks for your adults, children and policy start date, then shows you the live estimate from AIA and NIB side by side before you pay anything.

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Checked 2026-10-01. Cover tiers come from each insurer's published product information and Product Disclosure Statement.

Common Questions

OVHC FAQ

What is OVHC and who needs it?
Overseas Visitor Health Cover (OVHC) is health insurance for temporary visitors to Australia. It's mandatory for certain visa subclasses (condition 8501) including Sponsored Parent (Temporary) visa (subclass 870) and Skills in Demand visa (subclass 482). Even when not mandatory, OVHC is strongly recommended โ€” Australia does not have free public healthcare for visitors (except limited reciprocal arrangements for 11 countries).
How much does OVHC cost?
It depends on your cover level, how long you are staying, your age, the state you live in and the excess you choose, so there is no honest single figure to quote here. Get a live quote for your own details and you will see the real number before you pay anything. Adding extras (dental, optical, physio) is the single biggest lever on the premium.
Does OVHC cover pre-existing conditions?
Most OVHC policies have a 12-month waiting period for pre-existing conditions. No provider covers pre-existing conditions immediately for overseas visitors. If you have a known health condition, plan ahead and take out cover early.
Which OVHC provider is best?
It depends on your needs. Bupa and Medibank have the largest hospital networks. Allianz Care offers strong international brand recognition. nib positions itself around working visa subclasses. Australian Unity is member-owned. Use the comparison table to weigh them on hospital cover, extras and waiting periods, then take a live quote for the insurers we sell โ€” AIA and nib.
Can I switch OVHC providers?
Yes, you can switch OVHC providers at any time. Check your current policy for cancellation terms (most offer pro-rata refunds on unused portions). When switching, be aware that waiting periods from your previous policy may not carry over โ€” confirm with the new provider before switching.
Does OVHC cover pregnancy?
All OVHC products require a 12-month waiting period for pregnancy-related services. If you plan to start a family during your stay in Australia, take out OVHC at least 12 months before the expected due date.

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