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Overseas student health cover - March 26th
We have crunched the numbers and compared the products to bring you a shortlist of the providers which offer outstanding value overseas student health cover and working visa health cover.– Read more
Australia is a great place to live and work, whether you’re on a long stay 457 working visa or a 417 working holiday visa. We have more wide open country to explore than almost any other country, and we have a great range of natural environment, from the amazingly white, sandy beaches, to the refreshing rainforests, to the stunning deserts of Uluru.
In order to come to Australia to work (and explore), you must first get working visa health insurance. We can help you compare working visa health cover and choose which working visa health cover will suit you best!
Working visa health cover is a type of health insurance that you must have if you are an international worker visiting Australia to work. Working visa health cover pays part or all of the cost if you have to visit the doctor, go to hospital, need an ambulance, or need to buy pharmacy medicines.
International workers must have working visa health cover because you cannot access our public health system, so you need private health insurance to pay for your healthcare. This is called Condition 8501, and all the working visa health cover providers we researched meet this condition.
You must have health insurance for the whole time you are here on a working visa, and you must take out a policy before you arrive in Australia. If you extend your visa, you must renew your working visa health cover policy.
If your family is coming overseas with you, your spouse (husband or wife) and children under 18 years old must also be covered by working visa health cover. Your partner or family can be covered by your working visa even if they are not working. You need to choose a Couples or Family policy in order to cover someone other than yourself.
Some insurers may charge more for a couple’s policy than a policy for two single people (it is possible that they believe a couple would be more likely to claim for childbirth, which is an expensive admission to hospital). The cost of a family policy may also be more than the cost of a couple’s policy – although sometimes the cost might also be the same.
If you decide that your health cover is too expensive or doesn’t cover what you want, you can switch to a different insurance provider, as long as you do not let your policy lapse.
The 457 working visa and the 417 working holiday visa may be the most well-known working visas in Australia, but there are plenty of other working visas that also require health insurance:
|Short stay working holiday visas||· 400 Temporary Work Short Stay Specialist visa
· 403 Temporary Work International Relations visa
· 407 Training visa
· 408 Temporary Activity visa
· 417 Working Holiday Temporary visa
· 420 Temporary Work Entertainment visa
· 462 Work and Holiday visa
|Skilled professional working visas||· 186 Employer Nomination Scheme (ENS) visa
· 187 Regional Sponsored Migration Scheme (RSMS) visa
· 189 Skilled Independent visa
· 190 Skilled Nominated visa
· 457 Temporary Work Skilled visa / Business Long Stay visa
· 476 Skilled Recognised Graduate visa
· 485 Temporary Graduate visa
· 489 Skilled Regional Provisional visa (Nominated or Sponsored)
· 887 Skilled Regional visa
|Business and investment working visas||· 124 Distinguished Talent visa
· 132 Business Talent Permanent visa
· 188 Business Innovation and Investment visa
· 858 Distinguished Talent visa
· 888 Permanent Business Innovation and Investment visa
· 890 Business Owner visa
· 891 Investor visa
· 892 State/Territory Sponsored Business Owner visa
· 893 State/Territory Sponsored Investor visa
Make sure when you are apply for health cover that it will satisfy the conditions specific to your visa type. Use the Department of Immigration Visa Finder online to find out which working visa you need.
If you are a from a country which has a reciprocal health care agreement with Australia (currently Belgium, Finland, Ireland, Italy, Malta, the Netherlands, New Zealand, Norway, Slovenia, Sweden, or the United Kingdom (UK)), you may be able to enrol in Medicare (Australia’s public health insurance system). Visitors from these countries do not need to buy health insurance as a condition of their visa. Find out more about reciprocal health care agreements here.
Since you cannot enrol in Medicare from outside Australia, you will still need to have adequate health cover before you arrive. Medicare only covers treatment in a public hospital, so you will still need to consider whether private health insurance is right for you. Not having an adequate level of private health cover might mean you have to pay a larger amount of tax in Australia in the form of the Medicare Levy Surcharge (MLS).
There are two levels of cover for working visa health insurance:
At a minimum, working visa health insurance will help cover the costs involved in being admitted to a hospital within Australia. This includes the cost of staying in a hospital bed overnight, operating theatre fees for surgery, medicines, the cost of any medical procedures, and riding in an ambulance in an emergency. Policies may also cover some types of medical services that are used outside of a hospital.
Hospital cover should include all surgical procedures covered on the Medicare Benefit Schedule (MBS), such as: