在申请澳洲签证中，一般常见于父母访客签证（比如600访客签证）或者父母移民类签证（比如870父母签证）可能会需要购买海外游客健康保险 (OVHC) ，该产品是适当水平的私人健康保险，但移民局建议购买时需注意 OVHC 产品涵盖和不涵盖的内容，因为并非所有产品都提供全面的保险以满足个人的医疗保健需求。
In the majority of cases, visitors to Australia do not have access to Medicare, and are therefore responsible for all costs associated with hospital, medical and para-medical health care rendered in Australia, whether provided in a public and or private hospital setting.
Eligibility under Medicare is governed by the Health Insurance Act 1973, is generally restricted to people who are permanently residing in Australia, and are either:
- Australian citizens
- permanent visa holders
- New Zealand citizens, or in certain circumstances, applicants for permanent residence visas.
In the absence of Medicare eligibility, all visitors to Australia are strongly recommended to make their own arrangements for private health insurance (regardless of whether or not it is a visa condition) to ensure they are fully covered for any unplanned medical and or hospital care they may need while in Australia.
When in Australia and health care assistance is required, and a person is not covered by an appropriate level of private health insurance cover, as a non-resident and non-citizen of Australia, a person will be considered a private patient and will be required to pay any costs themselves at the time of treatment. This will apply whether a person seeks health care treatment in either the public and or private health care systems in Australia. For routine medical treatment in Australia, out-of-hospital treatment from a general practitioner is normally the most cost-effective solution.
While most commonly, Overseas Visitor Health Cover (OVHC) products help to provide an appropriate level of private health insurance cover, consumers are encouraged to take note of what is and is not covered under an OVHC product as not all products offer a comprehensive level of cover to meet a person’s individual health care needs.
As a guide, you should purchase cover that provides benefits at least equivalent to the following and consider whether a higher level of cover may be more appropriate than the minimum level of health care we suggest.
The Australian Government sets the maximum waiting periods that an Australian registered private health insurer can impose for hospital treatments, these include:
- 12 months for pregnancy and birth related treatments (obstetrics),
- 12 months for pre-existing conditions,
- Two months for psychiatric treatments, rehabilitation or palliative care, even for a pre-existing condition,
- Two months in all other circumstances.
To comply with the minimum level of health insurance, the per-person, per-annum benefit must not be less than AUD1,000,000.
有些签证会要求在下签之前提交已购买保险的证明，申请人一般可以参考 www.privatehealth.gov.au 购买私人保险，同时需要注意是否满足移民局提出的保险要求。
Some Australian visas require you to provide evidence of adequate arrangements for health insurance while in Australia before we determine whether or not a visa is granted.
We might ask you to provide a copy of a current private health insurance policy held with an Australian registered private health insurer for you and any additional applicants applying for the visa with you.
Check the requirements of the visa you are applying for.
Prospective visitors to Australian are encouraged to shop around to get the best value private health insurance product for their time in Australia. Visitors to Australia are recommended to visit the Australian Government website: www.privatehealth.gov.au for further information about private health insurance in Australia to ensure they fully understand their requirements and available options. The Government website also provides a list of private health insurers operating in Australia to help consumers choose an insurer for the uptake of cover.