Arrange adequate health cover
You and any secondary applicants need adequate health insurance for the intended period of stay. Evidence of cover may be required with the visa application.
SKILLS IN DEMAND VISA • SUBCLASS 482
482 Visa Health Insurance in Australia
Compare OVHC options for Skills in Demand visa holders from AIA Health, nib, Medibank, Allianz Care and Bupa, and understand the requirement to maintain adequate health cover while you are in Australia.
✓ Subclass 482✓ OVHC comparison✓ Condition 8501
482 VISA HEALTH COVER
Skills in Demand Visa health insurance
Subclass 482 applicants must have adequate health cover for the whole of their intended stay. If granted, maintaining adequate health insurance is a visa requirement.
Visa482 Skills in Demand Visa
CoverAdequate health insurance required
Common optionOverseas Visitor Health Cover (OVHC)
StayGenerally up to 4 years (up to 5 years for eligible Hong Kong passport holders)
Check current insurer eligibility, benefits, waiting periods and policy terms before purchasing.
Skills in Demand VisaEmployer-sponsored temporary skilled work in Australia
Visitor health coverCompare participating insurer options
Maintain adequate coverHealth insurance must be maintained while the requirement applies
482 HEALTH INSURANCE
Health insurance for the Skills in Demand Visa (Subclass 482)
Primary and secondary subclass 482 applicants must have adequate health cover for their intended stay. Home Affairs states that the cover should include medically necessary treatment, including transport, and that maintaining adequate health insurance will be a condition of the visa.
Maintain your cover
If the visa is granted, adequate health insurance must be maintained while you remain in Australia. Check your grant letter and VEVO for the conditions attached to your visa.
Include family where required
Secondary applicants can be included on a subclass 482 application. Make sure each applicant who requires health cover has appropriate insurance for the intended stay.
Compare more than price
Review hospital and medical benefits, ambulance cover, excesses, waiting periods, exclusions and limits before choosing a policy.
COMPARE PROVIDERS
482 Visa Health Insurance Providers
Start with the provider, then review the policy benefits, waiting periods, exclusions and current premium before purchasing.
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
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 →482 VISA INSURANCE GUIDES
Helpful information for Skills in Demand visa holders
Understand Condition 8501, insurance costs and important policy features before choosing cover.
VISA CONDITION
Condition 8501 & the 482 Visa
Understand what Condition 8501 means and check whether it is attached to your visa in your grant letter or VEVO.
Read guide → COST GUIDE482 Visa Health Insurance Cost
Compare premiums together with excesses, waiting periods and potential out-of-pocket costs.
Read cost guide → OVHC GUIDEHow to Compare OVHC for a 482 Visa
Compare hospital, medical and ambulance benefits, policy limits, exclusions and waiting periods.
Read comparison guide →COMMON QUESTIONS
482 Visa Health Insurance FAQs
Common questions about health insurance, OVHC, Medicare and the Skills in Demand visa.
Do 482 Skills in Demand visa holders need health insurance?+
Yes. Home Affairs states that primary and secondary applicants must have adequate health cover for the whole intended period of stay, and maintaining adequate health insurance will be a condition of the visa.
What does adequate health insurance mean for a 482 visa?+
Your cover should be appropriate for your stay and include medically necessary treatment, including transport. Check Home Affairs guidance and the insurer's current product terms.
Does Condition 8501 apply to a 482 visa?+
Condition 8501 is the condition to maintain adequate health insurance and is listed by Home Affairs among the conditions that might be attached to current subclass 482 Skills in Demand streams. Check your visa grant letter or VEVO.
What is OVHC for a 482 visa?+
Overseas Visitor Health Cover (OVHC) is private health insurance commonly used by eligible temporary visa holders. Product benefits vary, so confirm that the selected cover is suitable for your visa circumstances.
Can I include my partner and children on 482 health insurance?+
Subclass 482 applications can include eligible family members. Insurers may offer couple or family cover; check that every applicant who needs health cover is appropriately insured.
How long can a 482 Skills in Demand visa last?+
The visa can generally be granted for up to 4 years, or up to 5 years for eligible Hong Kong passport holders. Your insurance dates should match the health-cover requirements for your intended stay.
Can I use Medicare instead of OVHC?+
Some applicants may have Medicare eligibility, including through a Reciprocal Health Care Agreement. Check your individual eligibility and whether it satisfies the health-cover arrangements required for your visa.
Does 482 visa insurance cover GP visits?+
It depends on the OVHC product. Compare out-of-hospital medical benefits, benefit limits and any gap payments before purchasing.
Does OVHC cover pre-existing conditions?+
Benefits for pre-existing conditions can be subject to waiting periods, exclusions and policy definitions. Check the insurer's current policy documents.
Are there waiting periods on 482 health insurance?+
Waiting periods may apply to particular treatments, including some pre-existing conditions and pregnancy-related services. They vary by insurer and product.
What is a hospital excess?+
An excess is an amount you may have to contribute when admitted to hospital for eligible treatment. Compare the excess as well as the monthly premium.
When should my 482 health insurance start?+
Your cover should be arranged for the period required for your visa application and intended stay. Avoid gaps in cover where you are required to maintain adequate health insurance.
Can I change health insurers while holding a 482 visa?+
You may be able to switch insurers, but check cancellation and commencement dates, waiting periods and benefits and avoid a gap in adequate cover.
How do I compare 482 visa health insurance?+
Compare premium, hospital and medical benefits, ambulance cover, excesses, waiting periods, exclusions and policy limits. Confirm current eligibility and terms directly through the insurer before purchasing.