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, but you will not be able to manage or discuss the policy once it commences unless you have Delegated Authority.

Once the policy commences:

  • If you are the spouse/partner listed on the policy, you will have authority to manage the policy.
  • If you are not listed on the policy, the policy holder can give you authority to manage their policy. They'll need to complete a delegated authority form or call us to apply for this over the phone. This form gives Australian Unity permission to deal with both the policyholder and those people with delegated authority in relation to the membership.

Find out more on setting up Delegated Authority here.

Unless you have requested otherwise, a partner/spouse on your policy has automatic Delegated Authority. This means your partner or spouse will have authorisation to act on your behalf to access and discuss personal information (including claims information) about all members covered under the policy and can make changes to the policy e.g. change the level of the cover or contact details, add or remove a dependant, suspend the policy or cancel the membership.

If you wish to give this authority to other people not listed on your policy, like a relative or a friend, simply complete the Delegated Authority form and return it to Australian Unity or call us on 13 29 39 (8.30am – 6.30pm AEDT weekdays)

You can learn more about Delegated Authority here.

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
Cover to suit your needs

Confirmation letter issued instantly

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