What health insurance is recommended for a tourist visa in Australia is Overseas Visitor Health Cover OVHC, which is strongly recommended and often required for visa grant, because Australia does not have free healthcare for tourists except for some reciprocal agreements. For tourist visa subclass 600, Department of Home Affairs recommends you have adequate health insurance for entire stay to cover hospital, medical, ambulance and repatriation, because a single hospital stay can cost $1,500 per day and emergency surgery $20,000+. Recommended OVHC providers include Bupa, Allianz Care, Medibank, nib, AHM and HBF, all approved for visa. For basic cover, Budget OVHC from $40 to $70 per month covers emergency hospital and ambulance, suitable for short visits. For comprehensive cover, recommended is Bupa Visitors Cover or Allianz Overseas Visitors Cover from $70 to $150 per month for single, which includes hospital, GP visits, prescriptions, emergency ambulance and repatriation up to $1M. If you are from UK, NZ, Ireland, Sweden, Netherlands, Finland, Norway, Belgium, Malta, Slovenia and Italy, you have Reciprocal Health Care Agreement RHCA that gives you limited Medicare access for medically necessary treatment, but RHCA does not cover ambulance, dental, private hospital, or repatriation, so OVHC is still recommended. For Schengen tourists needing $30,000 EUR cover, ensure policy meets that. Always check policy includes COVID-19 cover, as many tourist visas require it. Buy before arrival and keep certificate for border.
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