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Overseas Visitor Cover In Australia | Visitor Insurance | Iselect

By Author: Anya
Total Articles: 6

Know your Health Cover

Depending on from which country you are entering Australia's public health system will cover few medical expenses during your period of stay.

Visitors from other countries all have their own health care arrangements with Australia. Keeping in mind that this reciprocal agreement doesn't include access to all Australia's public health care benefits, seeking medical treatment can still be expensive. All 457 or 485 Visa applicants require health insurance to be eligible. So, every visitor owes it to themselves to look into OVHC Cover.  

There are a number of OVHC policies that have different eligibility requirements, coverage and costs. What all OVHC's have in common is coverage for required hospital admissions and a deducted doctor's fees. General Treatment can be added to cover the cost of less serious medical interventions, such as seeing a GP. The general check-up can have been seen by GP where Medicare is covered and private check-ups & health care services including dentists, Chiropractor and physiotherapists will partially cover these costs, the remaining amount must be paid from your pocket. Compare policies to make sure the types of benefits and treatments you might need are covered. Check out for waiting time and policies that exclude cover for pre-existing illnesses, meaning that such illnesses can never be covered.

Some types of Travel insurance might be more suitable for your stay. Travel Insurance may cover items not covered by visitors' cover such as treatment in a medical emergency and will also offer reparations on the loss or theft of your valuables.

You can purchase overseas visitor’s health cover thorough insurers based in Australia and from health funds. You can also choose your cover offered by insurers from other countries. Though, remember, if you are on a 457 Visa, 485 Visa or a student visa you need to purchase the type and level of health insurance outlined in your visa application criteria.

For more information about the Surcharge and the type of health insurance policy, please refer to their websites.

Budget Options for Overseas Health Cover

Entry level OVHC products often provide cover for in-hospital medical treatment only.

In-hospital medical treatment, prescription medicines while in the hospital and emergency ambulance transport (for admission to the hospital only*). Surgically implanted prostheses and medical repatriation (only if authorised by AGA) is also covered. 

OVHC – Premium Options

The next tier of OVHC offered includes all the coverage of the budget options and depending on the particular provider and your personal requirements – could give you complete cover and peace of mind during your Australian visit. iSelect gives you all the important information, so you can make the best choice with a minimum of fuss.  

Steps to Understand Health Care Systems In Australia

There are two methods that make up the Australian healthcare system: For all the public or the normal people they have Medicare card and another one is private health insurance. When you purchase health cover you will be covered for emergency/non-emergency health issues.

Medicare is one of the Australia's well-known healthcare system for all students, Citizens and for permanent residents. It provides many benefits for the people to cover for few health care services, which means it pays completely or partial of the costs of the treatment. Some overseas visitors may receive extra Medicare benefits if a treatment is considered medically necessary. If you're from another country that doesn’t have a healthcare services benefits with Australian Government you will be charged for all hospital expenses, ambulance and specialist or the doctor costs. Make sure you travel with all the documents and have a safe travel. 

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