Before you purchase an OVHC Policy from this website it's important that you read and retain this information and understand the details of the OVHC Insurer policy document of the OVHC policy you have chosen, such as the included and excluded services and any waiting periods.

www.ovhccover.com.au is owned and managed by Buy OSHC with ABN 67 228 375 716.

Buy OSHC ABN 67 228 375 716 is not a private health Insurer. Buy OVHC is a preferred vendor/supplier of Medibank.

OVHCCover portal direct users to Medibank secure online portal for the completion of OVHC purchase Application. Acceptance for applications for OVHC is at Medibank sole discretion.

Who do these terms & conditions of use apply to?

By using the OVHCCover website ("website"), you agree to accept and comply with these Terms & Conditions of Use.

Accuracy, currency and completeness

OVHCCover does not warrant the accuracy, currency or completeness of any information or material ("Content") available on or through this website since information may change without notice, delays in processing transactions may occur and information may not apply to your specific circumstances.

Please contact OVHCCover and Medibank before acting in reliance on any information on this Site.

OVHCCover does not warrant the accuracy, currency or completeness of any information or material available on or through OVHCCover websites which may be accessed through this Site. OVHCCover will not be responsible for any loss or damage which you incur as a result of acting in reliance on such information or material.

Security

No data transmission over the Internet can be guaranteed as totally secure. Whilst OVHCCover takes reasonable steps to protect information you transmit to OVHCCover through this website, OVHCCover does not warrant and cannot ensure the security of any information which you transmit to OVHCCover. Accordingly, any information which you transmit to OVHCCover is transmitted at your own risk.

When using this website, you must take precautions to ensure you are not exposed to the risk of viruses, malicious computer code or other forms of interference which may damage your own computer system. OVHCCover does not accept responsibility for any such interference or damage to your system which arises in connection with your use of this website.

Third party content

This website contains information which is provided to OVHCCover by third parties. OVHCCover retains the right (but not the obligation) to reject, edit, or remove any information a third party provides for display on this website.

OVHCCover does not warrant the currency, accuracy or reliability of any information provided by a third party for display on this website.

Medical disclaimer

The health-related information contained on this website and through various OVHCCover is provided for general information purposes only and is not intended to be a substitute for professional medical advice or for the care that patients receive from their healthcare professionals.

Fees and Commissions Disclosure

We may receive Commission payment as per services provided on this website.

Refund of Premium

Premium are refunded by Medibank when you apply in writing for a pro-rata refund of premium for the unexpired portion of your policy if:

• you paid your premium and did not come to Australia
• you paid your premium on the basis of an extended stay but the extension of authorised stay was not granted by the Department of Immigration and Border Protection
• you have been granted permanent residence in Australia
• you can provide proof of OVHC provided by another organisation which includes the period covered by the organisation.

Please Note:

• Refunds are calculated on a monthly pro-rata basis, with a minimum refund of one month.
• Any amount that we retain on these grounds is treated as a fee for processing your refund.
• Any bank or transfer costs associated with the refund of premium to an overseas institution will be borne by you and deducted from the premium refund.

Linked websites

This website may contain links to other websites. Those links are provided by OVHCCover for your convenience only and may not remain current or be maintained. Website links on this website must not be construed as an endorsement, approval or recommendation by OVHCCover of the linked website or its content. OVHCCover is not responsible for the content or privacy practices associated with linked websites.

Intellectual property rights

Intellectual property rights in this website (including copyright in all text, graphics, logos, icons, sound recordings and software) are owned by, or licensed to OVHCCover. Other than for purposes expressly authorised by these Terms, you must not copy, adapt, reproduce, store, publish or commercialise any information provided on this website without Medibank prior written permission.

OVHCCOVER Liability

OVHCCover is not liable for:

• The reliance of any person on the information obtained through use of this website.
• Any failure or delay of this website or Medibank website to provide information or perform transactions requested
• Unavailability of this website and events beyond Medibank control such as internet connection availability
• Other direct or indirect loss or damage however caused, including negligence

OVHCCover excludes all warranties (whether express, implied or statutory) relating in any way to the website to the fullest extent OVHCCover is legally able. OVHCCover liability for breach of any warranty implied into these terms and conditions by statute which cannot be excluded is limited to the supply of that part of this website again or, at Medibank option, the payment of the costs of having an equivalent service supplied again.

Intellectual Property

The intellectual property in the text, materials, graphics and advertisements on this website is the property of, or is licensed to, OVHCCover. Although you may download the information on this website for your personal, non-commercial use, you must not modify, copy, reproduce, republish, frame, upload, post, transmit or distribute that information in any other way without OVHCCover prior written consent.

Disclaimers & General Conditions

You must not:

• Tamper with, hinder the operation of or make unauthorised modifications to this website
• Knowingly transmit any virus or other disabling feature to this website.
• Attempt any of the above acts or permit another person to do any of the above acts.

To the extent permitted by law, OVHCCover excludes any condition or warranty (whether express, implied or statutory) relating in any way to this website. OVHCCover liability for breach of any warranty implied into these Terms by statute which cannot be excluded is limited to the supply of those services again or, at OVHCCover option, the payment of the costs of having an equivalent service supplied again. OVHCCover is not liable to you or any other party and you release OVHCCover from any liability for any loss or damage however caused (including through negligence) which you or any other party may directly or indirectly suffer in connection with your access to or use of this website. OVHCCover reserves the right to amend these Terms at any time and without notice to you. Your continued access to and use of this website will be deemed as your acceptance of the version of these Terms current at the time you log onto this website.
These Terms are governed by the laws of New South Wales, Australia.