If you’re living in Australia on a bridging visa, the chances are that you won’t be covered by Medicare benefits. That means you’ll be required to ensure you have adequate private health insurance to cover your health needs while you wait for your full visa to be granted.
Finding health insurance that complies with government regulations for visa holders is simple with Savvy. We make it easy for you to compare these policies with our free comparison service, including assistance from a health insurance specialist to help you find a policy suited to your needs among a panel of trusted insurers. Get your health insurance needs sorted through Savvy today.
What health insurance can I get for a bridging visa?
The type of health insurance you’ll need while on a bridging visa is known as Overseas Visitors Health Cover (OVHC). This type of insurance is designed for temporary visitors, workers and residents who aren't covered by the Australian Medicare system. All health insurance policies available to overseas visitors through Savvy comply with the 8501 visa condition, which requires you to have adequate health insurance while living in Australia.
With an OVHC policy, you can either get health cover just for yourself or for you and your family under one policy. You can also choose whether you have cover which just satisfies the basic minimum hospital cover to comply with your visa conditions or one that provides more comprehensive extras cover. Naturally, the more areas of cover provided by your health policy, the more it’ll cost.
What is included and excluded with health insurance for bridging visas?
The cheapest health insurance option available only includes basic hospital cover, ambulance cover and some pharmaceutical benefits, which will assist you with the cost of medicines. However, it won’t cover the cost of visiting a doctor or seeing a dentist or physiotherapist.
The minimum inclusions which all OVHC policies must comply with to satisfy the 8501 visa condition are:
Public hospital cover
A benefit rate equal to the state and territory gazetted rate for ineligible Medicare patients, including:
- Overnight and hospital accommodation (including all costs for theatre, intensive care, labour wards and pharmaceuticals)
- Emergency department fees resulting in a hospital admission
- Patient care and post-operative services required after discharge from hospital
- All admitted treatments covered by the Medicare Benefits Schedule
Ambulance cover
- 100% of the cost of ambulance transport not otherwise covered by third-party arrangements
Pharmaceutical
- For all Pharmaceutical Benefits Schedule-listed drugs, a benefit equal to the listed price (above the patient contribution)
Inclusions with extras cover
If you choose a higher level OVHC and elect to add extras cover you may be able to claim back a portion of the costs for these extra services:
- GP consultations
- Specialist consultations
- Pathology (such as blood tests)
- Radiology (such as X-rays)
- General dental
- Optical
- Physiotherapy
- Acupuncture
Exclusions to private health insurance for bridging visas
The following exclusions may apply to the health cover you buy for your bridging visa:
- procedures not considered medically necessary
- elective cosmetic surgery or procedures including laser eye surgery, tattoo removal and breast enlargements
- some alternative medicines and treatment
- assisted reproductive treatments (such as IVF treatments)
- stem cell treatments, organ transplants and bone marrow treatments
- treatments provided outside of Australia
- treatments covered by compensation or damages claims
How should I compare different health insurance policies?
To get the best health insurance for your current needs on a bridging visa, go through these steps and ask yourself these questions when comparing your options:
Who is the health cover for?
If you just need health insurance cover for yourself, look at a singles policy. If you have your partner or family with you, you may look towards a policy for couples or families.
Do I want cover just for hospital treatment or extras too?
A hospital cover policy will give you basic benefits if you’re admitted to hospital for treatment. It is the cheapest form of OVHC cover. It is also available in a range of levels, from basic to top cover. If you opt for a higher hospital cover and add on extras benefits too, you’ll likely get some cover for the cost of visiting a doctor, a dentist or a physiotherapist, but you’ll pay more for the policy.
How much can I afford?
When considering your health care budget, think about the treatments that you’ve required in the past six months and consider how much you’d pay for that treatment if you didn’t have health insurance. This is particularly relevant when considering if it’s worth having private health insurance with extras cover, since basic hospital cover is mandatory. Whether you need extras cover or a higher level of OVHC will depend on your need to see a GP, have dental work done, or see other health care specialists such as physiotherapists, chiropractors and opticians.
What are the waiting periods which may apply?
OVHC is offered on a month-by-month basis, so you won’t have to pay for your cover in advance, but it’s worth checking what waiting periods may apply. These may range from:
- one day for ambulance cover
- two months for other types of cover such as optical and dental
- up to 12 months for pre-existing conditions or pregnancy
How critical these waiting periods are for your needs will depend on the length of time you anticipate living in Australia on your bridging visa.
