Home & Contents Insurance
Protect your home and belongings with information about building and contents cover.
Explore →INSURANCE MADE EASIERFind the Right Insurance
Find the Right Insurance
with Policy Direct
Explore insurance options across personal, health, travel, visa and business cover — all from one clear starting point in Australia.
✓ Personal Insurance✓ Visa Health Insurance✓ Business Insurance
Explore Insurance →Visa Health Cover →
✓ Protection for what matters
COVER FOR THE THINGS THAT MATTER
Personal Insurance
Explore insurance options for your home, car, health, travel, pets, family, income and investment property. Some sections already provide access to an insurance provider, while others currently offer helpful information as we expand Policy Direct.
COMING TO OR STAYING IN AUSTRALIA?
Visa Health Insurance
Select your visa type to reach the relevant health insurance pathway.
Student visa? Start with OSHC. Visitor, sponsored parent, graduate or temporary worker? Select the relevant OVHC pathway.
500
OSHC
500 Student Visa Insurance
Overseas Student Health Cover for international students studying in Australia.
Compare OSHC →600
OVHC · VISITOR
600 Visitor Visa Insurance
Health insurance options for Subclass 600 visitors to Australia.
Compare 600 cover →870
OVHC · PARENT
870 Sponsored Parent Visa
Health cover options for eligible sponsored parents visiting family in Australia.
Compare 870 cover →485
OVHC · GRADUATE
485 Graduate Visa Insurance
Health insurance pathways for Temporary Graduate visa holders.
Compare 485 cover →WORK
OVHC · WORKING VISAS
Working Visa Health Insurance
For 407, 408, 417, 462, 482 and other eligible temporary working visas.
View working visas →BUSINESS INSURANCE
Protect Your Business
Explore common business insurance categories and access the current BizCover quote pathway through Policy Direct.
Public Liability Insurance
Protect your business against eligible third-party injury or property damage claims.
Explore →
Professional Liability Insurance
Explore cover for eligible claims arising from professional services or advice.
Explore →
Cyber Liability Insurance
Explore protection for selected cyber incidents, privacy risks and data breaches.
Explore →A CLEARER WAY TO EXPLORE INSURANCE
Why Use Policy Direct?
One simple starting point to understand your options and move to the right insurance pathway.
Clear Starting Point
Quickly find the insurance category that matches your needs.
Direct Pathways
Move clearly to available insurer, provider and quote pathways.
Helpful Information
Understand important cover features before you proceed.
Australian Support
Contact Policy Direct when you need help finding the right section.
LEARN BEFORE YOU BUY
Popular Insurance Guides
Practical guides to help you understand visa health cover and business insurance before choosing a pathway.
OVHCVISA HEALTH GUIDE
What Is OVHC and Who Needs It?
Understand Overseas Visitors Health Cover, Condition 8501 and who commonly needs OVHC in Australia.
Read the OVHC Guide →
OSHC vs OVHCVISA HEALTH GUIDE
OSHC vs OVHC: What’s the Difference?
See the key differences between student health cover and visitor or temporary visa health cover.
Compare OSHC & OVHC →
BUSINESSBUSINESS INSURANCE GUIDE
What Insurance Should a Small Business Consider?
Explore common covers including public liability, professional indemnity, cyber and business packs.
Read the Business Guide →Frequently Asked Questions
1. What types of insurance can I explore through Policy Direct?
Policy Direct provides information and pathways across personal insurance, visa health insurance, private health insurance, travel insurance, pet insurance and business insurance. The service available varies by category.
2. Can I compare every insurance category on Policy Direct?
No. Some sections provide access to a current insurer or quote pathway, while other sections currently provide general information only. We identify these differences on the relevant pages.
3. What does the INFO label mean?
INFO means the section currently provides general educational information and does not yet offer a Policy Direct quote or provider pathway.
4. What does the QUOTE label mean?
QUOTE indicates that the section currently includes access to an insurance provider or quote pathway through Policy Direct. Always review the relevant product information before purchasing.
5. What is the difference between OSHC and OVHC?
OSHC is health cover designed for international students, while OVHC is used by various visitors and temporary visa holders. The appropriate cover depends on your visa and circumstances.
6. Which health insurance should I consider for a Student visa (Subclass 500)?
International students generally need Overseas Student Health Cover (OSHC). Use the 500 Student Visa Insurance section to explore the relevant pathway and check your visa requirements.
7. Can I find health insurance for a Visitor visa (Subclass 600)?
Yes. Policy Direct has a dedicated 600 Visitor Visa Health Insurance section where you can explore relevant visitor health insurance options.
8. Does Policy Direct cover temporary working visas?
Yes. The Working Visa Health Insurance section includes pathways for temporary working visa subclasses including 407, 408, 417, 462 and 482, as well as relevant information about working-visa health cover.
9. Does Policy Direct offer Private Health Insurance?
Policy Direct has a Private Health Insurance section with information about private health cover and a current Bupa pathway.
10. Can I get Travel Insurance through Policy Direct?
Policy Direct currently provides access to Cover-More through the Travel Insurance section. Review the relevant product information and PDS before purchasing.
11. Can I get Pet Insurance through Policy Direct?
Policy Direct currently provides access to Knose Pet Insurance for eligible dogs and cats through the Pet Insurance section.
12. Can I access Business Insurance through Policy Direct?
Yes. The Business Insurance section explains common business cover types and provides access to the current BizCover pathway.
13. Are Home, Car, Life, Income Protection and Landlord Insurance available for quotes yet?
These sections currently provide general information only and are marked accordingly while Policy Direct works on expanding its insurance pathways.
14. How should I choose an insurance policy?
Start with the category relevant to your needs, then consider the cover provided, limits, excesses, exclusions, waiting periods, eligibility requirements and total premium. Read the relevant policy documents before deciding.
15. How can I contact Policy Direct if I need help?
You can contact Policy Direct on +61 479 070 270. Our contact details are also shown in the website footer.