OVHC Terms and Conditions

Important Information and Disclaimer

This OVHC comparison is provided for general information and comparison purposes only.

1. 1

   We are not the insurance provider

   We do not issue, manage or underwrite any of the insurance policies listed in this comparison. All insurance products are provided and administered by the respective insurance companies.

2. 2

   Coverage may be partial or limited

   A “Yes” does not necessarily mean that the insurer will pay the full cost of the service. Benefits may be limited by the Medicare Benefits Schedule fee, benefit percentages, annual limits, sub-limits, excesses, co-payments and other policy conditions.

3. 3

   Waiting periods may apply

   Some treatments and services may have waiting periods. You may not be able to claim immediately after purchasing the policy.

4. 4

   Exclusions and restrictions may apply

   Policies may exclude or restrict certain treatments, pre-existing conditions, pregnancy-related services, non-emergency treatment, specific providers or services received outside approved arrangements.

5. 5

   Prices may change

   Premiums, benefits, excess amounts and policy conditions may change at any time. The price displayed on this website may differ from the final price offered by the insurer.

6. 6

   Check the official policy documents

   Before purchasing a policy, carefully read the insurer’s Product Disclosure Statement, policy wording, cover summary and terms and conditions. Contact the insurer directly if you need confirmation about a particular treatment or service.

7. 7

   Visa compliance

   You are responsible for ensuring that your selected health insurance meets the requirements of your visa, including visa condition 8501 where applicable. Confirm this with the insurer before purchasing.

8. 8

   Claims and service disputes

   All claims, benefit decisions, complaints, interruptions, cancellations and disputes must be handled directly with the relevant insurance provider. We do not assess claims or make decisions about insurance benefits.

9. 9

   Information accuracy

   We make reasonable efforts to keep this comparison accurate and up to date. However, we do not guarantee that all information is complete, current or free from errors.

10. 10

    No personal insurance advice

    This comparison does not consider your personal health needs, financial situation or visa circumstances. It should not be treated as personal financial, insurance, medical, legal or migration advice.

11. 11

    Promotional offers may have eligibility conditions

    Promotional offers such as the first 6 to 8 weeks free may apply only to selected covers, eligible visa holders and new customers of the relevant insurer. Minimum cover periods, payment requirements, start dates, promotional codes and other conditions may also apply. Please check the insurer’s official website and full offer terms before purchasing.