Key cover considerations
Review the main points, then check the insurer's current product details before choosing cover.
Subclass 462 and Condition 8501
Home Affairs strongly recommends health insurance for Work and Holiday visa holders because visitors can be personally responsible for healthcare costs in Australia. Condition 8501 may be attached to subclass 462. If it is attached to your visa, you must maintain adequate health insurance for your whole stay. Check your visa grant letter or VEVO.
Medibank and 462 visa suitability
Before buying, confirm that the selected OVHC product is currently available for your circumstances, review its benefits and exclusions, and check any health-insurance condition 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.
Travelling on a Work and Holiday visa
Subclass 462 applicants must not be accompanied by dependent children. Each traveller should check their own visa, Medicare eligibility and health-insurance arrangements.
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.
Medibank 462 Health Insurance FAQs
Do subclass 462 visa holders need health insurance?
Home Affairs strongly recommends health insurance for Work and Holiday visa holders. Condition 8501 may also be attached to subclass 462, so check your grant letter or VEVO.
What does Condition 8501 mean for a 462 visa?
If Condition 8501 is attached to your visa, you must maintain adequate arrangements for health insurance while you are in Australia.
How much does Medibank 462 health insurance cost?
Policy Direct currently shows an indicative price of $72.30 per month in its working visa comparison. Premiums can change and depend on the selected cover and membership details, so check the live quote before purchasing.
Does Medibank cover every medical expense?
No assumption should be made that every expense will be fully covered. Benefits, exclusions, limits, excesses, waiting periods and possible gap costs depend on the selected product and treatment.
Can dependent children accompany me on a 462 visa?
Subclass 462 applicants must not be accompanied by dependent children. Other travellers should check their own visa and insurance arrangements.
What should I check before purchasing?
Confirm current visa eligibility, premium, hospital and medical benefits, ambulance, excess, waiting periods, exclusions and limits, and read the current insurer product documents.