408 visa health insurance

Compare health cover for visiting academics and the temporary activity visa

Note: The Visiting Academic subclass 419 visa has been discontinued. Academic visits are now covered under the subclass 408 Temporary Activity visa.

If you’re coming to Australia on a subclass 408 visa, you are required to have adequate health cover for your stay. This usually means having overseas visitor health cover (OVHC). This is Australian health insurance designed for visitors from overseas.

Compare visa compliant visitors health insurance

Details Features
Budget Workers Cover
Budget Workers Cover
  • From $65 per month
  • Working visa compliant
  • Public & private hospital
  • Dental & optical extras
  • Emergency ambulance cover
  • Medical repatriation (up to $10,000 benefit)
  • Options available for singles, couples and families
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Basic Working Visa
Basic Working Visa
  • From $69 per month
  • Working visa compliant
  • Public hospital (shared room)
  • Dental & optical extras (available separately)
  • Pregnancy cover
  • Emergency ambulance cover
  • Medical repatriation ($4,000 benefit)
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Budget Visitor Cover
Budget Visitor Cover
  • From $75.62 per month
  • Working visa compliant
  • Public & private hospital (private room)
  • Dental & optical extras
  • Pregnancy cover (restricted benefit)
  • Emergency ambulance cover
  • Medical repatriation
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Minimum Working Visa Cover
Minimum Working Visa Cover
  • From $77 per month
  • Working visa compliant
  • Public & private hospital (private room)
  • Dental & optical extras
  • Pregnancy (obstetrics/childbirth services)
  • Emergency ambulance cover
  • Medical repatriation (up to $20,000 benefit)
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Budget Workers Cover
Budget Workers Cover
  • From $86.55 per month
  • Working visa compliant
  • Public hospital (shared room)
  • Dental & optical extras (available separately)
  • Pregnancy cover (public hospital)
  • Emergency ambulance cover
  • Medical repatriation ($20,000 benefit)
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Essentials Working Visa
Essentials Working Visa
  • From $92.10 per month
  • Working visa compliant
  • Public hospital (Shared room)
  • Dental & optical extras (available separately)
  • Pregnancy cover (public hospital)
  • Emergency ambulance cover
  • Medical repatriation ($4,000 benefit)
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Value Plus Visitor Cover
Value Plus Visitor Cover
  • From $106.59 per month
  • Working visa compliant
  • Public & private hospital (private room)
  • Dental & optical extras
  • GP (doctors) visits cover
  • Emergency ambulance cover
  • Medical repatriation
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Intermediate Working Visa
Intermediate Working Visa
  • From $107.45 per month
  • Working visa compliant
  • Public & private hospital (shared room)
  • Dental & optical extras (available separately)
  • Pregnancy cover
  • GP (doctors) visits cover
  • Emergency ambulance cover
  • Medical repatriation ($6,000 benefit)
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Essential Workers Cover
Essential Workers Cover
  • From $110 per month
  • Working visa compliant
  • Public & private hospital
  • Dental & optical extras
  • Pregnancy (obstetrics childbirth services)
  • Emergency ambulance cover
  • Medical repatriation (up to $20,000 benefit)
  • GP (doctors) Visits cover
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Mid Workers Cover
Mid Workers Cover
  • From $120.85 per month
    • Working visa compliant
    • Public & private hospital (shared room)
    • Dental & optical extras (available separately)
  • Pregnancy cover (restricted benefit)
  • GP (doctors) visits cover
  • Emergency ambulance cover
  • Medical repatriation ($20,000 benefit)
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Essential Plus Workers Cover
Essential Plus Workers Cover
  • From $131 per month
  • Working visa compliant
  • Public & private hospital
  • Includes everything Medicare covers
  • Dental & optical extras
  • Pregnancy (obstetrics childbirth services)
  • Emergency ambulance cover
  • Medical repatriation (up to $20,000 benefit)
  • GP (doctors) Visits cover
  • $300 General Dental limit
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Basic Visitor Cover
Basic Visitor Cover
  • From $138.67 per month
  • Working visa compliant
  • Public & private hospital (private room)
  • Dental & optical extras
  • Pregnancy cover (restricted benefit)
  • GP (doctors) visits cover
  • Emergency ambulance cover
  • Medical repatriation
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Workers Cover Plus
Workers Cover Plus
  • From $186.15 per month
  • Working visa compliant
  • Public & private hospital (private room)
  • Dental & optical extras (available separately)
  • Pregnancy cover
  • GP (doctors) visits cover
  • Emergency ambulance cover
  • Medical repatriation ($20,000 benefit)
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Comprehensive Working Visa ($500 excess)
Comprehensive Working Visa ($500 excess)
  • From $188.95 per month
  • Working visa compliant
  • Public & private hospital (private room)
  • Dental & optical extras (available separately)
  • Pregnancy cover
  • GP (doctors) visits cover
  • Emergency ambulance cover
  • Medical repatriation ($8,000 benefit)
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Comprehensive Working Visa
Comprehensive Working Visa
  • From $228.00 per month
  • Working visa compliant
  • Public & private hospital (private room)
  • Dental & optical extras (available separately)
  • Pregnancy cover
  • GP (doctors) visits cover
  • Emergency ambulance cover
  • Medical repatriation ($8,000 benefit)
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Mid Visitor Cover
Mid Visitor Cover
  • From $273.00 per month
  • Working visa compliant
  • Public & private hospital (private room)
  • Dental & optical extras
  • Pregnancy cover (restricted benefit)
  • GP (doctors) visits cover
  • Emergency ambulance cover
  • Medical repatriation
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Top Visitor Cover
Top Visitor Cover
  • From $322.83 per month
  • Working visa compliant
  • Public & private hospital (private room)
  • Dental & optical extras (included in policy)
  • Pregnancy cover (family policy only)
  • GP (doctors) visits cover
  • Emergency ambulance cover
  • Medical repatriation
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Overseas Visitors Health Cover
Overseas Visitors Health Cover
  • Enquire now for pricing
  • Working visa compliant
  • Public & private hospital (private room)
  • Dental & optical extras (available separately)
  • Pregnancy cover
  • GP (doctors) visits cover
  • Emergency ambulance cover
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*Pricing is based on a single male planning to live and work in the State of New South Wales on a working visa who is not applying for permanent residency, is not from a country that Australia has a Reciprocal Health Care Agreement (RHCA) with and is not eligible for cover under Medicare. Prices reflect the April 1 premium rise and are accurate for October 2018 but are subject to change in the future.

How to find and compare OVHC policies

The mandatory level of health cover may depend on the purposes of your visit, and what country you’re visiting from. Generally most OVHC policies will meet or exceed those standards.

How to compare price

Visit a range of Australian health insurance providers to see how much their OVHC costs, but remember to look for corresponding differences in cover.

How to compare cover

There are some specific things to look at.

  • Extras and bonuses. Are you covered for doctors and dentist visits, or just hospital admissions? How are you covered for repatriation or funeral expenses?
  • Percentage of hospital bills covered: You’ll generally find this as a “percent of MBS.” The MBS is an important part of Australia’s healthcare so it’s worth knowing about.

How the MBS works

The MBS is the Medicare Benefits Schedule.

Medicare is Australia’s public healthcare system, and the benefits schedule is a list of thousands of different essential medical procedures and how much they cost.

When an Australian goes to a public hospital and gets “free” healthcare (covered by Medicare), the MBS is generally the amount that the government pays to the hospital or practitioners to perform the treatment.

So if you find a policy that covers you for “100% of the MBS” that means you’re basically covered for hospital procedures in almost the same way as Australians are covered by Medicare.

Some overseas visitor health insurance might only cover 85% of the MBS, while a lot will cover 100%.

The catch is that sometimes a procedure will cost more than 100% of the MBS, and you may have to pay any difference out of pocket.

This difference is usually known as “the gap” between health insurance and actual costs.

Generally, you’ll be able to find out how much a procedure will cost beforehand, and can look for treatments that won’t leave you with major gap expenses.


Andrew Munro

Andrew writes for finder.com, comparing products, writing guides and looking for new ways to help people make smart decisions. He's a fan of insurance, business news and cryptocurrency.

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