OVHC is health cover that complies to a standard set by the Australian Department of Home Affairs (DoHA). It’s part of the requirements for a range of visas when coming to Australia. CHBS International Health offers affordable health cover to suit your budget and needs. These products are only available to overseas workers of specific visa subclasses.
Overseas Visitors Health Cover (OVHC)
Check out our 100% visa compliant overseas visitors health cover (OVHC)!
Starting from
$59.97per month
*To provide you with a more accurate quote, you will need to enter information including personal details and travel plans
Please refer to the relevant Product Sheet below the table or Policy Member Guide for more information and details.
Overseas Worker Base Hospital
$5997 per month This product is a basic level visa-compliant cover providing you in-hospital services and treatments, and emergency ambulance. Does not cover out-patient services
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Meets visa requirements as set by the Department of Home Affairs (DoHA)
In most cases, you'll receive your Visa Certificate instantly when you join CBHS International
100% of the charge for medically necessary transport to a hospital or treatment at the scene due to an accident or medical emergency
100% of the service cost up to $35.00, except where an exclusion applies from CBHS International Health Recognised Online Health Consultation Service Providers.
Free visits per year provided by a GP who is part of the CBHS International Health network. Annual limits apply based on level of cover. *
Medicine prescribed to you by a doctor. PBS co-payment up to $75 per script. Annual limit applies per person per calendar year based on level of cover.
A doctor specialising in a particular field, eg. a surgeon or a cardiologist. Check benefit limits with CBHS International before making an appointment.
Services including blood tests, x-rays and ultrasounds. Covered up to 100% of the MBS.
Access to information, support and services to childbirth education and antenatal classes
The program provides you In Home Hospital Care, Rehabilitation and Wound Management services to reduce the time spent in hospital and recover from the comfort of your own home.
The program includes mental health coaching, with various levels of support provided under a stepped care framework.
Tailored programs to support your health challenges
If you go to a public hospital for non-emergency treatment you may be charged a facility fee by the hospital. Maximum benefit $160
An excess is the amount you pay towards the cost of your hospital admission before any benefit is payable.
For overnight hospital stays in private and public hospitals. 100% cover for agreement private hospitals. We pay the State gazetted rate for public hospital stays. Some public charge more than this which means you will have to pay the difference.
100% of the Medicare Benefits Schedule (MBS)
Medication provided as apart of your in hospital treatment
Overseas Worker Mid Hospital and Medical
$9598 per month This product is an intermediate visa-compliant cover providing you with in-hospital services and treatments with some services paying minimum benefits. Plus, emergency ambulance, out-patient services, and out-of-hospital pharmacy benefits
Get more info
In most cases, you'll receive your Visa Certificate instantly when you join CBHS International
100% of the charge for medically necessary transport to a hospital or treatment at the scene due to an accident or medical emergency
100% of the service cost up to $35.00, except where an exclusion applies from CBHS International Health Recognised Online Health Consultation Service Providers.
Free visits per year provided by a GP who is part of the CBHS International Health network. Annual limits apply based on level of cover. *
Medicine prescribed to you by a doctor. PBS co-payment up to $75 per script. Annual limit applies per person per calendar year based on level of cover.
A doctor specialising in a particular field, eg. a surgeon or a cardiologist. Check benefit limits with CBHS International before making an appointment.
Services including blood tests, x-rays and ultrasounds. Covered up to 100% of the MBS.
Access to information, support and services to childbirth education and antenatal classes
The program provides you In Home Hospital Care, Rehabilitation and Wound Management services to reduce the time spent in hospital and recover from the comfort of your own home.
The program includes mental health coaching, with various levels of support provided under a stepped care framework.
Tailored programs to support your health challenges
If you go to a public hospital for non-emergency treatment you may be charged a facility fee by the hospital. Maximum benefit $160
An excess is the amount you pay towards the cost of your hospital admission before any benefit is payable.
For overnight hospital stays in private and public hospitals. 100% cover for agreement private hospitals. We pay the State gazetted rate for public hospital stays. Some public charge more than this which means you will have to pay the difference.
100% of the Medicare Benefits Schedule (MBS)
Medication provided as apart of your in hospital treatment
Overseas Worker Top Hospital and Medical
$18499 per month This product is a comprehensive visa-compliant cover providing you with more coverage for in-hospital services and treatments, emergency ambulance, out-patient services, and a higher level of out-of-hospital pharmacy benefits. To provide you with a more accurate quote, you will need to enter information including personal details and travel plans
Get more info
Meets visa requirements as set by the Department of Home Affairs (DoHA)
In most cases, you'll receive your Visa Certificate instantly when you join CBHS International
100% of the charge for medically necessary transport to a hospital or treatment at the scene due to an accident or medical emergency
Free visits per year provided by a GP who is part of the CBHS International Health network. Annual limits apply based on level of cover. *
Medicine prescribed to you by a doctor. PBS co-payment up to $75 per script. Annual limit applies per person per calendar year based on level of cover.
A doctor specialising in a particular field, eg. a surgeon or a cardiologist. Check benefit limits with CBHS International before making an appointment.
Services including blood tests, x-rays and ultrasounds. Covered up to 100% of the MBS.
Access to information, support and services to childbirth education and antenatal classes
The program provides you In Home Hospital Care, Rehabilitation and Wound Management services to reduce the time spent in hospital and recover from the comfort of your own home.
The program includes mental health coaching, with various levels of support provided under a stepped care framework.
Tailored programs to support your health challenges
If you go to a public hospital for non-emergency treatment you may be charged a facility fee by the hospital. Maximum benefit $160
An excess is the amount you pay towards the cost of your hospital admission before any benefit is payable.
For overnight hospital stays in private and public hospitals. 100% cover for agreement private hospitals. We pay the State gazetted rate for public hospital stays. Some public charge more than this which means you will have to pay the difference.
100% of the Medicare Benefits Schedule (MBS)
Medication provided as apart of your in hospital treatment
Who is OVHC for?
Your working or working holiday visa in Australia may come with a requirement to hold OVHC.
Our cover is compliant for the following visas:
- 457 (temporary work – skilled)
- 403 (temporary work – international relations)
- 408 (temporary activity)
- 407 (training visa)
- 482 (temporary skill shortage)
- 417 (working holiday)
- 462 (work and holiday)
- 010 (bridging Visa A)
- 020 (bridging Visa B)
- 030 (bridging Visa C)
- 485 (temporary graduate)
- 590 (student guardian)
Overseas Working Visa Requirement
As most overseas visitors or workers are not eligible for Medicare (our publicly funded healthcare for residents and citizens), maintaining adequate health insurance is a requirement for a range of working visas. Overseas workers with visa condition 8501 must purchase and provide proof of adequate OVHC when applying for their visa.
Maintaining adequate OVHC is a mandatory condition
The Australian Government through the Department of Home Affairs (DoHA) requires all holders of an overseas working visa to maintain adequate OVHC for the entire time they are in Australia until their visa expires.
Note: If you hold a policy for a single person and the person who received the treatment is the secondary visa holder (rather than the primary visa holder) you won’t be eligible to claim. Instead, you’ll need to update cover to a policy that covers Couples, Sole Parents or Family (whichever is appropriate for you). If you have an ineligible visa subclass for your chosen product at time of claiming, you won’t be eligible to claim.
Medical treatment can be expensive
Most overseas workers who come to Australia to work cannot access Medicare, our publicly funded healthcare system, which may lead to large out-of-pocket costs to pay if they require medical treatment. In most cases, hospital treatment will cost more than AU$1,000 per day. Depending on the type of cover you choose, your OVHC will keep you covered for some of the costs of medical treatment if you get sick or have an accident.
Once you purchase Overseas Visitors Health Cover (OVHC) you will immediately receive a Certificate of Insurance for your visa. You will need to provide proof of purchase of your OVHC when applying for your Workers visa, extension or renewal application.
If you would like to discuss options, contact our team who will be happy to assist you. Call (+61) 2 8604 3537 (from overseas) or 1300 174 537 (within Australia) or email ovhc@cbhscorp.com.au.
Frequently Asked Questions
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What is Overseas Visitors Health Cover (OVHC)?
When will I receive my visa compliance letter?
Once you’ve bought your cover, an email with your compliance letter will be immediately sent to you. Please make sure you provide a valid email address to avoid delays. If you have not received your letter, contact CBHS International Health at ovhc@cbhscorp.com.au.
Why do I need OVHC?
As most overseas visitors or workers are not eligible for Medicare (our publicly funded healthcare for residents and citizens), getting an appropriate level of health cover is a requirement for a range of work and visitors visas. Some visa subclasses must purchase and provide proof of acceptable OVHC when applying for their visa and maintain cover for the entire time they are in Australia.
Depending on the type of cover you buy, your OVHC will keep you protected against some of the costs of medical treatment if you get sick or have an accident. Some treatments can cost thousands of dollars!
When does my OVHC start?
Your policy starts when you arrive in Australia and have contacted CBHS International Health to activate your policy. It’s important that you contact us when you arrive or when your new visa starts so that we can activate your cover. Note that you're not covered for treatment outside of Australia.
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Best thing about CBHS International: I feel secure about my health, and with one phone call I can see a GP or go to hospital.
Would you recommend CBHS International: yes I would definitely recommend.
Favourite thing about Australia so far: My favourite thing about Australia is how culture is so important here, which is different in my country the Philippines.
Antonio, VIC