408 Visa Health Insurance

Compare health cover for visiting academics and the temporary activity 408 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.

What the 408 visa is for and who can get it?

The 408 visa lets travellers come to Australia on a temporary basis to:

  • Work in the entertainment industry
  • Participate in activities at the invitation of an Australian organisation
  • Participate or observe in an Australian research project (this was previously covered by a separate subclass 419 visa)
  • Work in a skilled position under a staff exchange arrangement
  • Participate in high-level sports competitions or sports training programs
  • Participate in a special programme approved by the department that provides opportunities for youth exchange, cultural enrichment or community benefits.
  • Do full-time religious work
  • Be employed as a superyacht crew member
  • Do full time domestic work for certain senior foreign executives
  • Participate in a government-endorsed event

To get a 408 visa, you need to have the skills to undertake the relevant activity, be supported or sponsored, and meet specific requirements for each purpose above.

Compare visa compliant visitors health insurance

Updated December 7th, 2019
Name Product Price Visa Compliant Hospital cover Dental Pregnancy Cover GP Visits Medical Repatriation
From $69 per month
  • Yes
  • Yes
Optional
  • Yes
  • No
$4,000
From $69 per month. Quote FINDER100 to get a $100 cash card when you join. Offer expires December 31st 2019. T&Cs apply.
From $71 per month
  • Yes
  • Yes
  • No
  • Yes
  • No
  • Yes
From $71 per month.
From $73.23 per month
  • Yes
  • Yes
  • No
Restricted
  • No
  • Yes
From $74.97 per month.
From $75 per month
  • Yes
  • Yes
  • No
  • Yes
  • No
$20,000
From $75 per month.
From $92.10 per month
  • Yes
  • Yes
Optional
  • Yes
  • No
$4,000
From $92.10 per month. Quote FINDER100 to get a $100 cash card when you join. Offer expires December 31st 2019. T&Cs apply.
From $101 per month
  • Yes
  • Yes
  • No
  • Yes
  • Yes
  • Yes
From $101 per month.
From $110 per month
  • Yes
  • Yes
  • No
  • Yes
  • Yes
$20,000
From $110 per month.
From $107.45 per month
  • Yes
  • Yes
Optional
  • Yes
  • Yes
$6,000
From $107.45 per month. Quote FINDER100 to get a $100 cash card when you join. Offer expires December 31st 2019. T&Cs apply.
From $158 per month
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes
$20,000
From $158 per month.
From $188.95 per month
  • Yes
  • Yes
Optional
  • Yes
  • Yes
$8,000
From $188.95 per month. Quote FINDER100 to get a $100 cash card when you join. Offer expires December 31st 2019. T&Cs apply.
From $228.00 per month
  • Yes
  • Yes
Optional
  • Yes
  • Yes
$8,000
From $228.00 per month. Quote FINDER100 to get a $100 cash card when you join. Offer expires December 31st 2019. T&Cs apply.
From $285 per month
  • Yes
  • Yes
  • No
  • Yes
  • Yes
  • Yes
From $285 per month.
From $298 per month
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes
$20,000
From $298 per month.
From $311 per month
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes
From $311 per month.

Compare up to 4 providers

*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 December 2019 but are subject to change in the future. Table displays health funds from Finder partners.

Is health insurance mandatory for the 408 visa?

It's a requirement that you can demonstrate adequate health insurance cover for your stay. Generally this will be in the form of overseas visitor health cover (OVHC). This is a health insurance policy for visitor to Australia.

Most, but not all, OVHC policies will meet the minimum requirements.

If you're from an RHCA country you might have this automatically. But even with it, you might still need overseas visitor health cover (OVHC) depending on the purpose of your visit and what country you're from.

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.


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