Health insurance for visa holders: Are you getting the best deal?

On a student or temporary working visa? Chances are you’ve already experienced the frustration of Australia’s healthcare system. You’re likely to be ineligible for Medicare but you need private health insurance for your visa. And then there’s a good chance you’re hit with further costs when you come to pay for your treatment.

If that doesn’t sound fair, we hear you. Many visa holders are on health insurance policies that leave them severely under covered and put them at risk of racking up massive medical debts. But there is a solution – the team at Health Insurance Comparison can help you find a better deal in a matter of minutes that doesn’t leave you with massive medical bills.

Here’s How You Do It:

Step 1: Select your current life stage below.
Step 2: Once you select your preferred coverage options, you will have the opportunity to compare quotes from multiple health funds.

Choose your life stage.

I’m looking at health cover for…

Why private health insurance is a problem for overseas residents in Australia

To get a temporary student visa you need an Overseas Students Health Cover (OSHC) policy. This generally includes hospital care, ambulance cover and limited pharmaceuticals.

Most temporary working visas – including subclass 482 and 485 – need you to have Overseas Visitors Health Cover (OVHC). This includes hospital care with the option to add extras such as dental, optometry and physiotherapy.

But OSHC and OVHC policies tend to vary between health insurance providers. Some plans may have lower or no benefits for some treatments, and some policies may not cover pre-existing illnesses or impose long waiting periods.

Most OSHC and OVHC policies only provide limited cover for pharmaceuticals and may not cover high-cost medications such as chemotherapy drugs.

If you’ve just taken out the cheapest policy, you could pay later if you need treatment.

How to get the best deal on private health cover if you’re on an overseas visa.

It’s vital for visa holders to understand what their health insurance excludes and how that affects them. A quick review should show if you need a better health plan.

The good news is Health Insurance Comparison’s experts can quickly help you find the best health insurance deal for you from our panel of trusted insurers. We’ll take care of the process from start to finish, including all the paperwork, so you can get on with enjoying the Australian lifestyle.

Get Started Now:

Step 1: Select your state below .
Step 2: After answering a few questions, you will have the opportunity to compare quotes in your area and could be eligible for significant savings.

Choose your area.

Which area are you in?

*Average savings based off 25,311 customers during 2020

Department of Home Affairs, Adequate health insurance for visa holders, October 2020.
privatehealth.gov.au, Overseas Visitor Health Cover, October 2020.
privatehealth.gov.au, Overseas Visitors & Overseas Students, October 2020.

This article is opinion only and should not be taken as medical or financial advice. Check with a financial professional before making any decisions.

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