Health Insurance For 482 Visa

Compare health insurance quotes here with Savvy to find a policy that complies with 482 visa requirements. 

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, updated on July 6th, 2023       

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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: 

  1. Cover for the cost of being treated in a public hospital, which is known as hospital cover
  2. Cover for emergency transport to hospital, which is known as ambulance cover
  3. Cover for the cost of medications which are covered by the Pharmaceutical Benefits Scheme 
  4. 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: 

  1. Treatment arranged in advance of arrival in Australia  
  2. Treatment provided outside of Australia, including treatment en route to or from Australia 
  3. Medical procedures not considered medically necessary (including tattoo removal) 
  4. Elective cosmetic treatments such as tummy tucks and facelifts 
  5. Some alternative medicines and therapies, including Chinese medicine  
  6. Laser eye surgery
  7. Hypnotherapy 
  8. Assisted reproductive treatments 
  9. Stem cell, bone marrow and organ transplants 
  10. 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. 

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Frequently asked questions about health insurance for a 482 visa holder

If I get permanent residency in Australia, will I be eligible for Medicare cover?

Yes – all Australian permanent residents are eligible for Medicare cover, so when you get your permanent resident status confirmation, you’ll be entitled to apply for a Medicare card. However, Medicare only covers basic health treatment, so it isn’t a substitute for private health insurance. Some temporary Australian residents can also be eligible for Medicare under a special Ministerial Order, which includes:  

  • Migrants in special circumstances (for example, temporary or witness protection) 
  • Migrants who are in Australia for humanitarian or other protection reasons 
  • Skilled employer-sponsored provisional visas (subclass 494) 
  • Skilled work regional provisional visas (subclass 491) 
Will I still have to pay the Medicare Levy if I have private health insurance as a 482 visa holder?

No – if you don’t qualify for Medicare benefits, you won't have to pay the Medicare Levy. Your employer may still possibly have to take the levy out of your pay packet, but you can claim this money back through the Australian Taxation Office with a Category 2 exemption

Will I still have out-of-pocket expenses if I need medical treatment and I have private health insurance for my 482 visa?

You may still have out-of-pocket expenses to pay for your medical treatment on top of your private health insurance policy. For example, if you have extras cover, this may allow you to claim back between 50% and 85% of the cost of seeing a physiotherapist or dentist, but you'll have to pay the remaining portion of the bill yourself. You should take this into account when considering if extras cover is worth buying. 

Do I need additional health insurance even though I have some health cover on my travel insurance?

Yes – the health cover provided with some travel insurance policies is often not sufficient for a visa holder, so you’ll need to take out OVHC, which is a visa-compliant form of health insurance. 

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