Terms & Conditions
Last Updated: 28/07/2025
Welcome to AustraliaHealthCover.com ("Website"),("AustraliaHealthCover", "we", "our", "us"). By accessing, browsing, or using this Website, you ("you", "your", "user") agree to comply with and be bound by these Terms and Conditions, together with our Privacy Policy and any other policies referenced herein. If you do not agree, please refrain from using this Website.
1. Nature of Services
AustraliaHealthCover.com is a comparison platform providing information about Overseas Student Health Cover (OSHC), Overseas Visitor Health Cover (OVHC), and other health insurance products offered by third-party insurance providers.
We do not provide insurance services ourselves. Policies are purchased directly from the relevant insurer or through their approved portals.
Information displayed is for general guidance only. You are responsible for determining the suitability of any insurance product for your needs.
2. Eligibility
The Website and its Services are available only to individuals 18 years or older and legally able to enter into binding contracts.
By using the Website, you confirm that all details provided by you are accurate and complete.
3. No Financial or Legal Advice
The content provided on this Website is general information only and should not be considered financial, legal, or professional advice.
You should make your own enquiries and seek independent professional advice before relying on any information provided.
4. Third-Party Links and Products
Our Website may redirect you to third-party websites to purchase insurance policies.
We have no control over the content, accuracy, or availability of these external websites.
Inclusion of links does not imply endorsement of the provider or product.
Any disputes, claims, or refunds must be dealt with directly with the third-party provider.
5. Liability Disclaimer
To the fullest extent permitted by law, AustraliaHealthCover.com:
Makes no warranties about the completeness, accuracy, reliability, or suitability of the information or products displayed.
Is not liable for any loss or damage, including but not limited to indirect, incidental, or consequential damages, arising from:
Reliance on Website content
Delays, unavailability, or technical issues
Acts or omissions of third-party insurers
If liability cannot be excluded, our maximum liability will not exceed AUD $5 or the service fee (if any) paid to us.
6. Intellectual Property
All content on this Website, including text, graphics, logos, and design, is the copyright of AustraliaHealthCover.com unless otherwise stated.
You may print or download content for personal, non-commercial use only.
You may not reproduce, distribute, or commercially exploit any material without our prior written permission.
7. User Conduct
You agree not to:
Use this Website for any fraudulent or unlawful purpose.
Attempt to interfere with the proper functioning of the Website.
Copy, scrape, or use automated tools to extract content without written permission.
8. Refunds and Cancellations
Refund eligibility for OSHC/OVHC is subject to the policies of the respective insurer.
AustraliaHealthCover.com does not process refunds or claims directly.
General refund conditions may include (but are not limited to):
Visa refusal or non-arrival in Australia
Permanent residency granted
Early departure from Australia
For specific refund requests, you must contact the insurer directly.
9. Privacy & Communications
By providing your details, you consent to being contacted by AustraliaHealthCover.com, its affiliates, and partners via email, phone, or SMS regarding your chosen products, renewals, and promotional offers.
All communications will be managed in accordance with our Privacy Policy.
10. Governing Law & Dispute Resolution
These Terms are governed by the laws of Victoria, Australia.
Any disputes arising under these Terms will be subject to the exclusive jurisdiction of the courts of Victoria, Australia.
11. Amendments
We may amend these Terms & Conditions from time to time by posting an updated version on this Website.
Continued use of the Website after updates constitutes acceptance of the revised Terms.