Arranging Health Cover OSHC/OVHC
Navigating Health Cover for Your Australian Journey
Embarking on your educational or professional journey in Australia requires careful consideration of health insurance options. At HBD Services, we offer comprehensive assistance in arranging Overseas Student Health Cover (OSHC) and Overseas Visitor Health Cover (OVHC) to ensure you have the necessary coverage throughout your stay. Here’s how we can assist you in detail
Understanding OSHC
Overseas Student Health Cover (OSHC) is a mandatory requirement for international students studying in Australia. It provides coverage for various medical expenses, including hospital admissions, doctor consultations, prescription medications, and emergency ambulance services. We guide you through the intricacies of OSHC, explaining the coverage limits, waiting periods, and exclusions to ensure you have a clear understanding of your policy.
Choosing the Right Provider
Navigating the array of OSHC providers can be overwhelming. Our experienced team helps you select the most suitable provider and plan based on your individual needs, preferences, and budget constraints. We work with leading providers such as Bupa, AHM Health Insurance, Allianz Global Assistance, Nib, and Medibank, ensuring you receive the best value for your investment.
Comprehensive Coverage Analysis
We conduct a thorough analysis of OSHC policies offered by various providers, elucidating all clauses, benefits, inclusions, and exclusions. Our goal is to empower you with comprehensive knowledge of your coverage, enabling you to make informed decisions regarding your healthcare needs in Australia.
Procuring OVHC
For international visitors and workers in Australia, Overseas Visitor Health Cover (OVHC) is essential to meet visa requirements and safeguard against unexpected medical expenses. We provide detailed guidance on selecting the appropriate OVHC plan, considering factors such as visa subclass, duration of stay, and specific healthcare needs.
Flexibility and Convenience
Unlike OSHC, which typically requires prepayment for the entire duration of your stay, OVHC offers flexibility with monthly payment options. We explain the various policy types available under OVHC, including single, couple, and family cover, and help you choose the most suitable option based on your circumstances.
Transitioning from OSHC to OVHC
If you’re transitioning from OSHC to OVHC, such as when applying for a Temporary Graduate visa (subclass 485) or switching visa categories, we facilitate a seamless transition to ensure uninterrupted coverage. Our team assists with the necessary documentation and ensures compliance with visa requirements.
Tailored Solutions for Your Needs
Whether you’re a student, visitor, or worker, we understand that healthcare needs vary. That’s why we offer personalized assistance tailored to your specific requirements and circumstances. Our goal is to provide you with peace of mind and confidence in your healthcare coverage while in Australia.
Some of our Health Insurance partners
NIB
Insurance Company
Nib Group is an Australian health care fund. It was established in the NSW Hunter Region in 1952 to provide health insurance for workers at the BHP Steelworks, and has since grown into a national and international operation.
MEDIBANK
Insurance Company
Medibank Private Limited, better known as simply Medibank, is one of the largest Australian private health insurance providers, covering 3.7 million people in 2021.
IMAN
Insurance Company
IMAN is a trusted company that has been providing health cover to overseas workers for over 30 years. All IMAN Australian Health Plans are compliant with the Department of Home Affairs requirements for the 457 Visa application.
AHM
Insurance Company
AHM by Medibank has been around long enough (over 40 years) to know that lots of Australians want no-nonsense health insurance. So, they make it easier to make the most of the client’s cover.
CBHS Health
Insurance Company
The Commonwealth Bank of Australia established the CBHS Health Fund, an Australian commercial health insurance organization, to cover its workers.
Allianz
Insurance Company
Allianz is a German multinational financial services company headquartered in Munich, Germany. Its core businesses are insurance and asset management. The company is one of the world’s largest insurers and financial services groups.
Partner with HBD Services
Count on HBD Services as your trusted partner in navigating the complexities of health insurance requirements in Australia. Contact us today for detailed guidance and support in arranging OSHC and OVHC, and embark on your Australian journey with confidence in your healthcare coverage.
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