482 / worker OVHC
$59.35/ month
Standard pricing shownNo current promotion displayed
- ✓ Hospital cover options
- ✓ Designed for eligible temporary workers
- ✓ Check 8501 compliance for selected cover
OVHC FOR AUSTRALIAN WORKING VISAS
Compare Working Visa Health Insurance
Choose your visa subclass and compare working visa health insurance from AIA Health, nib, Medibank, Allianz Care and Bupa.
✓ 407✓ 408✓ 417✓ 462✓ 482✓ 485
COMPARE COVER
Which working visa do you have?
Select your visa to see the common OVHC comparison.
The insurer comparison, prices and promotions below are common across these working visa pages. Always confirm current eligibility and policy terms with the insurer.
6visa subclasses
OVHCOverseas Visitor Health Cover
8501health insurance condition
CHOOSE YOUR VISA
Health insurance by working visa subclass
Each visa has different circumstances. Start with the subclass that applies to you.
417
462
482
407
408
485
Working Holiday Visa
Health insurance information for Working Holiday visa holders, including adequate cover and Condition 8501 where attached.
417 Visa Health Insurance →Work and Holiday Visa
Compare visitor health cover for subclass 462 and understand healthcare costs while working and travelling in Australia.
462 Visa Health Insurance →Skills in Demand Visa
OVHC for primary and secondary 482 visa applicants who must maintain adequate health cover during their intended stay.
482 Visa Health Insurance →Training Visa
Health cover for occupational training participants and accompanying family members for the duration of their stay.
407 Visa Health Insurance →Temporary Activity Visa
Health insurance information for eligible temporary activity streams where adequate health cover is required.
408 Visa Health Insurance →Temporary Graduate Visa
Compare dedicated health insurance options for subclass 485 Temporary Graduate visa holders.
485 Visa Health Insurance →COMPARE PROVIDERS
Working Visa Health Insurance Providers for Subclass 482 – Skills in Demand Visa
Start with the provider, then review the policy benefits, waiting periods, exclusions and current premium before purchasing.
482 / worker OVHC
$68.76/ month
Standard pricing shownNo current promotion displayed
- ✓ Hospital cover options
- ✓ Designed for eligible temporary workers
- ✓ Check 8501 compliance for selected cover
482 / worker OVHC
$72.30/ month
Standard pricing shownNo current promotion displayed
- ✓ Hospital cover options
- ✓ Designed for eligible temporary workers
- ✓ Check 8501 compliance for selected cover
482 / worker OVHC
$72.50/ month
Standard pricing shownNo current promotion displayed
- ✓ Hospital cover options
- ✓ Designed for eligible temporary workers
- ✓ Check 8501 compliance for selected cover
482 / worker OVHC
$108.85/ month
Standard pricing shownNo current promotion displayed
- ✓ Hospital cover options
- ✓ Designed for eligible temporary workers
- ✓ Check 8501 compliance for selected cover
Price note: Prices shown are the comparison figures supplied for this page and are displayed from lowest to highest. Premiums and promotions can change and may vary by age, cover type, excess and start date. Use the insurer quote link to confirm the current premium and policy terms before purchasing.
VISA CONDITION 8501
Maintain adequate health insurance
Condition 8501 requires a visa holder to maintain adequate arrangements for health insurance while in Australia. It can be attached to working visas including subclasses 417, 462, 482, 407 and 408. Always check the individual visa grant letter or VEVO for the conditions that actually apply.
Read our Condition 8501 guide →WORKING VISA INSURANCE GUIDES
Helpful information before you choose cover
COMPLETE GUIDE
Working Visa Health Insurance Guide
OVHC, visa requirements, benefits, excesses, waiting periods and what to check before buying.
Read guide → COST GUIDEWorking Visa Health Insurance Cost
Understand premiums, excesses and the other costs that can affect the real price of health cover.
Read cost guide → VISA REQUIREMENTCondition 8501 for Working Visas
What adequate health insurance means and how to avoid unintended gaps in cover.
Read 8501 guide →COMMON QUESTIONS
Working Visa Health Insurance FAQs
Answers to common questions about OVHC, Condition 8501, Medicare and health insurance for 407, 408, 417, 462, 482 and 485 visa holders.
What is working visa health insurance?+
Working visa health insurance is private health cover designed for eligible temporary visa holders in Australia. It is commonly offered as Overseas Visitor Health Cover (OVHC). Benefits, limits, exclusions and visa suitability vary between products.
What is OVHC?+
OVHC stands for Overseas Visitor Health Cover. Different OVHC products can provide different levels of hospital, medical, ambulance and other benefits, so the policy details should be checked before purchase.
What is Visa Condition 8501?+
Condition 8501 means the visa holder must have and maintain adequate health insurance for the whole of their stay in Australia. Check your visa grant letter or VEVO to confirm the conditions attached to your visa.
Is health insurance required for a 482 Skills in Demand visa?+
Health insurance requirements are relevant to subclass 482 visa holders. Check the requirements applying to your application and the conditions on your granted visa, and make sure the selected cover is appropriate for your circumstances.
Does a 407 Training visa require health insurance?+
Subclass 407 is among the visas for which Condition 8501 may be mandatory. Applicants and accompanying family members should check the applicable health-cover requirements and maintain appropriate cover where required.
What health insurance do I need for a 408 Temporary Activity visa?+
Health-cover requirements can depend on the particular 408 circumstances. Condition 8501 may be attached to subclass 408. Check the visa requirements, your grant letter or VEVO and the insurer's product eligibility before relying on a policy.
Do 417 Working Holiday visa holders need health insurance?+
Condition 8501 may be attached to a subclass 417 visa. Even where it is not attached, overseas visitors can face significant healthcare costs, so check your visa conditions and consider suitable health insurance for your stay.
Do 462 Work and Holiday visa holders need health insurance?+
Condition 8501 may be attached to a subclass 462 visa. Check your visa grant letter or VEVO to see whether you must maintain adequate health insurance and consider the healthcare costs you could otherwise need to pay yourself.
Can I use Medicare instead of OVHC?+
Medicare eligibility is separate from your visa health-insurance obligations. Some visitors may qualify for limited Medicare treatment under a Reciprocal Health Care Agreement, but eligibility and benefits vary. Check both your Medicare eligibility and the insurance conditions attached to your visa.
Which countries have a Reciprocal Health Care Agreement with Australia?+
Australia currently has Reciprocal Health Care Agreements with Belgium, Finland, Italy, Malta, the Netherlands, New Zealand, Norway, Ireland, Slovenia, Sweden and the United Kingdom. Eligibility and the medical services covered differ between agreements.
Does OVHC cover pre-existing medical conditions?+
Cover for pre-existing conditions depends on the insurer, product terms and applicable waiting periods. Review the policy documentation carefully before purchasing if you have an existing medical condition.
Are there waiting periods on working visa health insurance?+
Waiting periods can apply to particular treatments or circumstances, including some pre-existing conditions and pregnancy-related services. The periods and rules vary by insurer and product.
What is a hospital excess?+
A hospital excess is an amount you may need to contribute when you are admitted to hospital for eligible treatment. A lower premium does not necessarily mean lower overall out-of-pocket costs, so compare the excess as well as the premium.
Can I include my partner and children on my OVHC policy?+
Insurers may offer couple or family cover for eligible overseas visitors. Check that every person included in your visa application who needs health cover is appropriately insured and review the insurer's family policy terms.
Can I change OVHC providers after my visa is granted?+
You may be able to change insurers, but you should avoid any gap in cover where you are required to maintain adequate health insurance. Check commencement dates, cancellation arrangements and how the new insurer treats waiting periods before switching.
When should my working visa health insurance start?+
Your cover dates should reflect the health-insurance requirements applying to your visa and your intended stay. Do not assume the same start date applies to everyone; check your visa documentation and the insurer's commencement rules.
Is the cheapest OVHC policy always the best option?+
Price is only one factor. Compare hospital benefits, medical services, ambulance cover, excesses, waiting periods, exclusions, benefit limits and whether the product is suitable for your visa before deciding.
How do I compare working visa health insurance providers?+
Select your visa subclass in the comparison tool above, then compare participating insurers on premium, promotions and key policy features. Use the insurer's quote and policy information to confirm the current price, eligibility, benefits and terms before purchasing.