Are you planning a trip to Australia? Have you sorted everything – your visa, passport, health insurance, and more? Well, as much as getting the right visa is important, it is also necessary to keep in mind that health insurance is important too. Especially for all visitors during their stay in the country.

Now, you may wonder which health insurance is the right one for your visa. Or, where to buy the health insurance from? Who is the right fit in terms of insurance provider? And the question goes on. Do not worry, though!

In the following blog, we will walk you through the different health insurance options – Overseas Student Health Cover and Overseas Visitor Health Cover, specifically designed for those applying for an Australian visa. Our goal is to make sure you have the proper coverage so you can have an amazing time in the beautiful country.

Understanding the Visa Requirements
Before you jump into exploring all the different health insurance choices, it is really important to get a clear understanding of the visa requirements set by the Australian government. You see, each visa category has specific details when it comes to health insurance, so it is important to figure out which category you belong to.

Following, we have jotted down common and key Australian visas with their health insurance requirements.

Visitor Visa (subclass 600)
If you are traveling to Australia as a tourist or for business purposes, the Visitor Visa (subclass 600) is the right option for you. When applying for this visa, the Australian government recommends purchasing an Overseas Visitors Health Cover (OVHC). This cover will ensure that you receive adequate medical attention and support during your time in Australia.

As an international student exploring study opportunities in Australia, it is mandatory to obtain the appropriate health insurance coverage. The Overseas Student Health Cover (OSHC) is designed specifically for students studying in Australia and meets the visa requirements for a Student Visa (subclass 500). It provides coverage for medical expenses, hospitalization, and certain prescription medications.

Temporary Work Visa (subclass 457)
Individuals migrating to Australia for employment purposes under the Temporary Work Visa (subclass 457) are required to have adequate health insurance coverage. The most suitable option in this case would be the Overseas Visitors Health Cover (OVHC). It offers comprehensive medical coverage and ensures that you can access the necessary healthcare services during your stay.

Skilled Independent Visa (subclass 189)
For those planning to permanently migrate to Australia through the Skilled Independent Visa (subclass 189), the government does not mandate health insurance. However, it is highly recommended to consider purchasing private health insurance to safeguard your well-being and provide financial assistance in times of medical emergencies. After all, we cannot predict the future, and neither can we take risks for our health.

Other Visa Categories
If you fall under a different visa category or require health insurance for a specific purpose, you will have to consult with an expert insurance provider. They can guide you in choosing the most appropriate health insurance coverage based on your visa, health needs, and circumstances.

Finding the Right Health Insurance Provider
When selecting a health insurance provider for your Australian visa, it is important to consider their reputation, coverage benefits, and customer service. Choose a provider that has experience assisting individuals with visa requirements and offers comprehensive coverage at competitive rates. Major OSHC and OVHC providers in Australia are – NIB, AHM, Allianz, Medibank, and BUPA.

Conclusion
Navigating the Australian visa process might seem a little complicated, but guess what? Choosing the right health insurance does not have to be! We have your back.

Understanding the health insurance requirements for your specific visa category is important. At Budget Policy, we take care of all your healthcare needs and provide you with the right assistance.

When it comes to picking a health insurance provider, you want one you can trust. We will make sure you are buying your health insurance from the right provider, so you can relax and enjoy your stay.

Being a health insurance facilitator with major providers on board, we assure you only the best results. So, without any further ado, get in touch with us over a call today.