Key cover considerations
Review the main points, then check the insurer's current product details before choosing cover.
Subclass 482 and adequate health insurance
Home Affairs states that primary and secondary subclass 482 applicants must have adequate health cover for the whole intended stay. If granted, maintaining adequate health insurance will be a condition of the visa. Check your visa grant letter or VEVO for the conditions attached to your visa.
AIA Health and 482 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.
Family members on a 482 visa
Eligible family members can be included as secondary applicants. Make sure each applicant who needs health cover has appropriate insurance for the intended period of stay.
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.
AIA Health 482 Health Insurance FAQs
Do subclass 482 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 Condition 8501 mean for a 482 visa?
Condition 8501 requires a visa holder to maintain adequate arrangements for health insurance while in Australia. Check your visa grant letter or VEVO for the conditions attached to your visa.
How much does AIA Health 482 health insurance cost?
Policy Direct currently shows an indicative price of $59.35 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 AIA Health 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 family members be included on a 482 visa?
Eligible family members can be included as secondary applicants. Make sure appropriate health cover is arranged for each applicant who requires it.
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.