Overseas Visitors Health Cover

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Why get health insurance in Australia?

If you're making plans to visit or work in Australia, getting an appropriate level of health insurance may be a requirement for your visa.

And once you're here, Illnesses and accidents can happen at any time, and medical costs in Australia can be very high. Getting health insurance can help to protect you against some of these costs. 

What's covered

You'll be covered for a wide range of services and treatments including:

Doctor and specialist fees
Hospital treatment, accommodation and theatre fees
Emergency ambulance
Day surgery and procedures

Overseas Visitors Health Cover is ideal if

  • Your visa requires that you have health insurance
  • You want to be covered for medical treatments and emergencies in Australia
  • You don't have travel insurance that covers your medical expenses

Understanding Overseas Visitors Health Cover

Once you select and purchase an Overseas Visitors Cover from Australian Unity, you will automatically receive your confirmation letter by email.


Please provide a valid email address to ensure the letter reaches you without unnecessary delay.

Yes you can.

If you want to help manage the cover, you'll also need to get them to complete a Delegated Authority Form. This form takes less than 5 minutes to complete and gives Australian Unity legal permission to deal with both the person who holds the health insurance and you as their delegated authority.

If you’d like to authorise another person to speak to Australian Unity on your behalf and to help manage your membership, you can learn more about Delegated Authority here.

Yes. Simply complete the Delegated Authority form and return it to Australian Unity. When completing the form, make sure you

  • include the name of the person who will be looking after your health insurance matters 
  • sign the form 

Australian Unity will then be able to discuss your health insurance with that person. We have these measures in place to ensure that your privacy is protected. 

Find out more on setting up Delegated Authority

Your health insurance needs to be paid in advance at all times, and can be paid up to a maximum of 12 months in advance. There are two ways you can pay your premiums: 

  • Direct debit
    A direct debit is an instruction from you to your bank or other financial institution. It authorises Australian Unity to collect your health insurance premiums from your account on a date that matches your selected payment frequency (e.g. monthly, quarterly, yearly). You can set up direct debits to be paid from your credit card or from an Australian bank account. 
  • Account notice
    When you  pay by account notice, you'll receive a bill for your health insurance premiums on a date that matches your selected payment frequency. Instructions describing the different ways you can make payments are included on the account notice. 

Under some visas, you may be required to meet condition 8501. Condition 8501 means that you must have and maintain adequate health insurance for the whole of your stay in Australia.
All our Working Visa Covers meet condition 8501. None of our current Non-Working Visa Covers meet these requirements.

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Why choose Australian Unity
We've been around for 175 years
100% Australian owned

Confirmation letter issued instantly

Friendly helpful staff
Affordable health insurance
Cover to suit your needs