We’ve partnered with Compare Club to bring you a range of health insurance policies to help you compare them side by side.
Living and working in Australia on a temporary skill shortage 482 visa can be a very exciting opportunity that can pave the way and lead to permanent residency. However, until that residency is granted, it’s necessary to hold health insurance suitable for a 482 visa while you live in Australia.
Savvy can help you find and compare appropriate insurance policies for a 482 visa applicant right here. Just answer a few simple questions about the insurance you’re after, and you could soon be speaking to a health insurance specialist to help you through the process of buying an insurance policy which complies with your visa requirements. Get your health insurance sorted out through Savvy today.
How do I get health insurance to apply for a 482 visa?
The Australian Government requires visa applicants to take out a baseline level of health insurance to cover their stay in Australia. This insurance will assist you with the costs of receiving medical treatment if you don’t qualify for cover either through Medicare or through a reciprocal health agreement between Australia and your country of birth.
Several health insurance providers in Australia offer this visa-compliant health insurance through a policy called Overseas Visitors Health Cover (OVHC). This type of policy can cover a single person, couple or family, depending on your health insurance needs.
You can get your health insurance sorted out through Savvy today. Once you’ve filled out a simple online form with information about you, the nature of your visa and the level of cover you’re looking to take out, a health insurance specialist can call you back. You can discuss your needs with them and they’ll walk you through the process of getting your visa-compliant health insurance in place today.
You can buy your insurance policy in advance of your arrival in Australia. You’ll just need to nominate your policy start date (which is usually your arrival day in Australia). Once you pay for your first month’s worth of cover, you’ll receive a Confirmation of Coverage letter by email, which you can submit with your visa application to prove that you have the required health insurance.
What is included and excluded with health insurance suitable for a 482 visa holder?
The health insurance you buy must provide the following cover as a basic minimum:
- Cover for the cost of being treated in a public hospital, which is known as hospital cover
- Cover for emergency transport to hospital, which is known as ambulance cover
- Cover for the cost of medications which are covered by the Pharmaceutical Benefits Scheme
- Cover for all treatments listed under the Medicare Benefits Schedule
Many OVHC health policies don’t include cover for treatments and services received out of a hospital setting, like visiting a physio or dentist. However, this type of cover, which is known as extras cover, can also be added to your hospital policy. This will increase the price of your premiums but can offer you coverage across a broader range of areas.
However, you should be aware that your health insurance for a 482 visa may not include the following:
- Treatment arranged in advance of arrival in Australia
- Treatment provided outside of Australia, including treatment en route to or from Australia
- Medical procedures not considered medically necessary (including tattoo removal)
- Elective cosmetic treatments such as tummy tucks and facelifts
- Some alternative medicines and therapies, including Chinese medicine
- Laser eye surgery
- Assisted reproductive treatments
- Stem cell, bone marrow and organ transplants
- Services or treatments which are covered by compensation, damages or other legal claims
How much will it cost to get health insurance for my 482 visa?
The cost of your health insurance will depend on the amount of cover you require and how many people need coverage. For example, if you have a partner and children, you’ll probably need a family policy, which will cost more than cover for a single person.
In addition to the number of people who require coverage, you’ll also have a choice about the level of cover you require. This ranges from basic cover, which is the cheapest policy, through standard or mid-cover policies, up to top cover, which will offer you the highest level of coverage at the greatest cost.
These are some examples of the cost of OVHC, with quotes based on cost per month for hospital (and in some cases) extras cover for a couple aged 32 years old, originating from India, who intend to live and work in NSW*:
|Basic cover||Mid-priced cover||Top cover|
BUPA Essential Lite Visitors Cover – $238.06
BUPA Essential 50 Visitors Cover – $304.91
BUPA Essential Visitors Cover with Top Extras 90 – $624.61
Frank Basic Workers Cover – $129 (does not include extras cover)
Frank Mid Workers Cover – $200 (no extras cover)
Frank Mid Workers Plus Bundle – $250
HCF Basic cover – $149 (does not include extras cover)
HCF Mid Cover – $208
HCF Top Plus Cover – $592
* Figures correct as of March 2023.
Types of health insurance
This can help you pay for medical treatment if you need to be admitted to hospital. It can help cover the cost of your admission or accommodation and the fees charged by doctors, surgeons and anaesthetists. It can also cover other costs associated with a stay in a private hospital.
This helps cover the costs of health care treatments outside a hospital setting which aren’t covered by Medicare. This can include major and minor dental treatment, orthodontics, hearing aids, physiotherapy, glasses, contact lenses and podiatry (in most cases with annual limits).
This is a standard health insurance policy designed for a single person, rather than being tailored to cater to the needs of a couple or family. It may include hospital cover plus extras, or either of these types of insurance on their own, depending on what you're after for your health cover.
A family health insurance policy is designed for a family unit including dependent children who may reach up to 31 years of age with some insurers. It offers private health insurance suitable for the whole family and may include shared limits for all members included in your policy.
A health insurance policy aimed at seniors is designed to appeal to people who are in the second half of their life. These are often specific Silver Plus policies that offer the same cover as other health insurance policies, with the exception that pregnancy and childbirth cover may not be included.
Visitors who are in Australia on a temporary basis for travel, work or study may be able to take out Overseas Visitors Health Cover (OVHC). Many visas issued in Australia come with a requirement to take out this type of insurance, which covers visitors who may not be covered by Medicare.
Ambulance cover is generally available either packaged into your private health insurance or on its own as a separate policy or subscription. By having this protection, you could be covered for all eligible ambulance travel in Australia (subject to your insurer's terms and conditions).
The cheapest and most barebones form of private hospital insurance, this can include cover for rehab, in-hospital psychiatric services and palliative care. Having this policy will enable you to avoid paying the Medicare Levy Surcharge (MLS) and Lifetime Health Cover (LHC) loading.
Bronze hospital cover is a step up from basic insurance, including 18 further clinical categories such as ear, nose and throat, bone, joint and muscle, digestive system, joint reconstructions, gynaecology and chemotherapy, radiotherapy and immunotherapy for cancer.
Silver hospital cover is the second-most expensive type of policy and offers the second-most clinical categories. On top of what's offered by basic and bronze cover, it also includes heart and vascular system, lung and chest, blood, hearing device implantation and dental surgery.
The highest level of private hospital insurance available in Australia, gold policies can offer cover for pregnancy and birth, weight loss surgery, assisted reproductive services and insulin pumps on top of all the categories provided by silver, bronze and basic hospital insurance.
Why compare health insurance through Savvy?
Frequently asked questions about health insurance for a 482 visa holder
Helpful health insurance guides
Looking for health insurance to cover your condition or treatment?
Read one of our helpful guides on a range of different ailments and potential hospital or extras treatments to help you find out if they're covered.
Savvy is partnered with Compare Club Australia Pty Ltd (AFS representative number 001279036) of Alternative Media Pty Ltd (AFS License number 486326) to provide readers with a variety of health insurance policies to compare. Savvy earns a commission from Compare Club each time a customer buys a health insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via Compare Club.
Savvy’s comparison service is provided by Compare Club. Compare Club compares selected products from a panel of trusted insurers and does not compare all products in the market.
Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.
For any further information on the variety of insurers compared by Compare Club or how their business works, you can read their Financial Services Guide.