Making travel plans for any reason instantly crosses one’s mind. You can travel to spend a holiday with your family or friends, to meet your relatives if they are in Australia, for work purposes, business trips, etc. when it comes to Australia, no travel plan goes wasted.

Now imagine, you have made a plan, your purpose of going is set, you have booked your tickets, checked your passport, and got the visa. You are halfway there mentally, living every bits and pieces of the beautiful place and suddenly you realized you are missing something. Your Overseas Visitor Health Cover – OVHC.

Now you must be wondering why would I need health insurance when I am simply here to enjoy my holidays. However, the truth is, as a visitor you might be here to wander, enjoy with your family or friends, witnessing beautiful scenic views, being a businessperson you could be here to develop your business or a student who has recently completed his graduation and wants to work in Australia.

See, we have listed so many reasons for you to travel to Australia and there can be more. Regardless, of any of these reasons you still need an OVHC policy before your arrival to the country. It is not an option rather, highly recommended and mandatory as stated by the Department of Home & Affairs. Therefore, based on the type of your visa, you should get yourself and your family an adequate OVHC for the duration of your stay in Australia.

Now the next question that may cross your mind is what is it for or how can you benefit from it? To help you with emergency medical expenses that you may need to pay while you are in Australia. Keep on reading to know more about how OVHC is beneficial for you and your family.

OVCH – Australia!

There are only a few countries in the world that takes pride in providing the finest healthcare to its people, and Australia is one of them. With the finest facilities and medical services come huge costs. Australia’s healthcare system is known to be the world’s one of the expensive healthcare system.

However, if you have an OVHC policy, you are free from paying any medical bills while you are still in the country. You will be making a smart choice by buying a suitable OVHC policy according to your medical need and preventing yourself from paying costly hospital bills.

OVHC – Inclusive Features!

Enlisted are a few overseas visitor’s health insurance features that you must know:

· Overnight or same-day hospital accommodation.

· Fees for operating Theatre, labor ward & intensive care units.

· Emergency ambulance transport to a hospital, or emergency room along with the fees of emergency staff.

· Medications included in the Pharmaceutical Benefits Scheme (PBS).

· Fees for the general practitioner for – hospital & out–hospital services.

· Coverage for medical services like radiology and pathology.

· Full insurance for Surgically Implanted Prostheses.

· Private room in a hospital.

· Gastric banding & rehabilitation services during accidents.

· Inpatient psychiatric accommodation.

· Physiotherapy.

· Funeral expenses, home–country repatriation, renal dialysis, hernia surgery, removal of tonsils as well as appendicitis.

· Back surgery.

· Cardiac-related services.

OVHC – Excluded Features!

Now that you are aware of general or inclusive features, let us have a look at excluded features:

· All claims in regard to services when a policy is removed or suspended.

· Medical expenses incurred until waiting periods.

· Services provided or rendered outside the country.

· Pre-existing conditions of the patient.

· Pregnancy and birth-related care to both mother and the child.

· Hips and knee replacement, cataract, and rehabilitation, occurred before arrival in Australia.

· In – Vitro Fertilization (IVF) and other assisted reproductive services.

· Bone marrow & organ transplants.

· Luxury room services along with the services not included in Medicare.

· Cosmic surgery or experimental surgery.

· Medicines purchased over–the–counter without a prescription.

Conclusion

At Budget Policy, we are here to assist you with the best choice relating to your OVHC policy when you are traveling to Australia. With us, make the process of your policy selection easy and affordable. You can also compare policies provided by different insurance providers in Australia. Reach us today and let’s secure your holiday with the right health insurance.