How to Buy Overseas Visitor Health Cover?

• byBudgetpolicy
• 2023-10-13

Are you planning to visit Australia as an overseas visitor? If so, you must know the requirements to fulfill the grant of your visitor visa. One of those crucial requirements is purchasing overseas visitor health cover. This blog will guide you through the process of buying visitor health cover in Australia, ensuring you have a smooth and enjoyable trip without any healthcare concerns.

What is Overseas Visitor Health Cover?
Overseas Visitor Health Cover (OVHC) is a health insurance policy specifically designed for international visitors to Australia. It provides coverage for medical expenses, emergency treatment, and hospitalization during your stay in the country. Having OVHC is a mandatory requirement for most temporary visa holders, including tourists, students, and skilled workers. So yes, it is a must-have thing.

Why Do You Need Overseas Visitor Health Cover?
Apart from being a mandated thing, why do you even need it in the first place? Australia has a high-quality healthcare system but comes with costly services, which is usually a burden on international visitors’ pockets. By having an OVHC policy, you can protect yourself from huge medical expenses that may arise due to accidents, illnesses, or unexpected health issues. Lastly, with OVHC, you can have peace of mind knowing that you will receive timely and adequate medical care if the need arises.

How to Choose the Right Overseas Visitor Health Cover?
How to know if the coverage you are buying is the most suitable OVHC policy? Here are some factors to consider when choosing a policy:

•    Length of Stay: First, see how long you will be in Australia. OVHC policies are typically available for short-term visitors (up to 365 days) or long-term visitors (over 365 days).
•    Level of Cover: Next, pen down your specific healthcare needs and select a policy that provides the right coverage that meets your needs. General coverage includes medical expenses, hospitalization, emergency ambulance, and pharmaceuticals.
•    Extras Cover: Some policies offer additional coverage for services like dental, optical, and physiotherapy. You may consider them buying if you think extras cover would be beneficial.
•    Price: Compare the premiums and benefits offered by different insurance providers to find the most cost-effective policy that meets your needs. Remember, there are many providers out there but, you must go with a reputed one.
How to Buy Overseas Visitor Health Cover?
Now, coming to the main question, how to buy an overseas visitor health cover? Continue reading.
•    Research Insurance Providers: You can do a quick search online or chat with a migration agent to find trustworthy insurance providers that offer OVHC policies. Remember to consider their reputation, customer reviews, and the coverage options they provide.
•    Compare Policies: Take the time to browse through different insurance provider websites and compare the policies they have available. Look out for the level of coverage, benefits, exclusions, waiting periods, and any additional services they offer.
•    Get Quotes: Reach out to multiple insurance providers and request quotes to compare both prices and coverage. Make sure you provide accurate information about your age, length of stay, and any pre-existing medical conditions so that you receive accurate quotes.
•    Read the Product Disclosure Statement (PDS): Get all the important details about each policy in the PDS, such as terms and conditions, what has been covered, what is not covered, and waiting periods. Take your time to understand the policy you are interested in.
•    Make an Informed Decision: Take into account the information you have gathered and choose the policy that perfectly suits your requirements and fits your budget.
•    Purchase the Policy: Once you have made up your mind, head over to the insurer's website or contact their friendly customer service to buy the OVHC policy of your choice. Simply provide your personal details and make the payment to finish the purchase.
•    Receive Confirmation: After completing the payment, you will receive a confirmation of your policy purchase. Keep this confirmation handy as proof of your insurance coverage while you are exploring Australia.

In Conclusion
Buying overseas visitor health cover for Australia is an important step in ensuring your well-being during your stay. You can find the right policy that provides comprehensive coverage and meets your specific needs with Budget Policy.
All you need to do is, contact us. Rest, you can enjoy your time in Australia with the peace of mind that comes from having the right health insurance protection. Happy traveling!