Key cover considerations
Review the main points, then check the insurer's current product details before choosing cover.
Subclass 407 and Condition 8501
The Department of Home Affairs says subclass 407 applicants must have adequate health insurance and maintain adequate health cover for the whole of their stay if the visa is granted. Evidence of adequate health insurance for the applicant and accompanying family members is required as part of the application process. Condition 8501 means maintaining adequate arrangements for health insurance while in Australia.
AIA Health and 407 visa suitability
AIA Health provides OVHC options for eligible temporary visa holders. Before buying, confirm that the particular product is currently available and appropriate for your subclass 407 circumstances and any conditions attached to your visa.
What to compare
Look beyond the monthly premium. Compare hospital and medical benefits, ambulance cover, hospital excess, waiting periods, exclusions, benefit limits and possible out-of-pocket costs. Product features vary between insurers and between levels of cover.
Cover for family members
Subclass 407 applicants can include eligible family members. Home Affairs says evidence of adequate health insurance is required for the applicant and family members included in the application, so obtain the appropriate membership type and check who is actually covered.
Before you buy
Check the live premium and current insurer documents. Home Affairs notes that OVHC products commonly provide the recommended minimum level of private health insurance, but the level of cover can vary. Your healthcare costs may also not be completely covered by private insurance.
What should you look at before choosing your 407 cover?
A low monthly premium is only one part of the decision. Review the cover level, hospital excess, waiting periods, ambulance benefits, medical benefits and possible out-of-pocket costs before purchasing.
A simple 407 health insurance checklist
Check your visa
Review your visa requirements and any conditions shown on your grant letter or VEVO.
Compare the cover
Compare hospital, medical, ambulance, excess, waiting periods, exclusions and limits.
Confirm your quote
Use the live insurer quote to confirm the current premium and membership details.
AIA Health 407 Health Insurance FAQs
Answers to common questions about AIA Health OVHC, subclass 407 and choosing suitable cover.
1. Do subclass 407 visa holders need health insurance?
Yes. Home Affairs states that subclass 407 visa holders must maintain adequate health cover for the whole of their stay in Australia.
2. What does Condition 8501 mean for a 407 visa?
Condition 8501 requires the visa holder to maintain adequate arrangements for health insurance while in Australia. Check your visa grant letter or VEVO for the conditions applying to you.
3. Is AIA Health OVHC available for subclass 407?
AIA Health's current OVHC member information lists subclass 407 Training among eligible visa subclasses. Eligibility can change, so confirm the selected cover when purchasing.
4. How much does AIA Health 407 health insurance cost?
Policy Direct currently shows an indicative comparison price of $59.35 per month on this page. Premiums can change and depend on the selected cover and membership details, so confirm the live quote before purchase.
5. What type of AIA Health cover is relevant to a 407 visa?
AIA Health offers Overseas Workers Health Cover for eligible temporary visa holders. Check the current product information to make sure the cover selected suits your visa and healthcare needs.
6. Does AIA Health OVHC include ambulance cover?
AIA Health's OVHC information includes ambulance benefits, subject to the applicable product rules, waiting periods and policy terms. Check the current product schedule for the cover you select.
7. Are there waiting periods?
Yes, waiting periods can apply. AIA Health's current OVHC rules include waiting periods for certain hospital treatments, pre-existing conditions, obstetrics, rehabilitation, psychiatric treatment and ambulance services. Check the current rules for your selected cover.
8. What about pre-existing conditions?
AIA Health defines and applies waiting periods to pre-existing conditions under its fund rules. Whether a condition is treated as pre-existing is determined under the insurer's applicable rules, so review these carefully before treatment.
9. Can my partner and children be covered?
AIA Health lists Single, Couple, Family and Single Parent Family OVHC membership categories. For a 407 visa, make sure every family member who needs insurance is appropriately included.
10. Does AIA Health cover every medical expense?
No. Benefits, exclusions, limits, excesses, waiting periods and potential gap costs depend on the selected product and treatment. Private health insurance may not cover the entire healthcare bill.
11. What is a hospital excess?
An excess is an amount you contribute towards eligible hospital treatment under the policy. AIA Health's current OVHC information describes excess options, so check the amount applying to the product you choose.
12. Can I claim for GP or specialist visits?
Where the service is covered under your policy, AIA Health says members may submit eligible doctor or specialist claims. The benefit payable and any out-of-pocket amount depend on the selected cover and provider charge.
13. Can I switch to AIA Health from another insurer?
AIA Health provides rules for transfers from another Australian health fund and may recognise waiting periods already served, subject to its transfer rules and the level of cover. Avoid creating a gap in insurance when changing policies.
14. When should my 407 health cover start?
Your insurance arrangements should support the requirement to maintain adequate cover for the required period of your stay. Check your visa documentation and the insurer's commencement rules when selecting the start date.
15. What should I compare before purchasing AIA Health 407 cover?
Compare the live premium, hospital and medical benefits, ambulance cover, excess, waiting periods, exclusions, benefit limits, membership type and possible out-of-pocket costs, then read the current insurer documents before purchasing.