Circular Quay with Harbour Bridge and Opera House

416 Visa Travel Insurance

Can I get travel insurance if I'm in Australia on a 416 visa? 416 Visa travel insurance guide and information.

If you want to come to Australia and you’re not an Australian or New Zealand citizen, you’ll need to obtain a visa from the Australian Government’s Department of Immigration and Border Protection. The Special Program (subclass 416) visa is designed to improve Australia’s international relations by providing the opportunity to share cultural experiences and skills through youth exchange, community benefit or cultural enrichment programs.

Who offers cover for non-residents?

Brands Product Product Details Apply
1Cover Visitors to Australia

Unlimited medical expenses

Travellers who are not an Australian resident

Travellers who are visiting Australia on a temporary basis

Purchase of the policy within 14 days of your arrival in Australia

Travellers who are 16 to 74 years old

Get quoteMore info
Easy Travel Insurance Inbound Travel Insurance

$20,000 Cancellation or holiday deferment costs

$20,000 Emergency travel arrangements and accommodation expenses

$200,000 Medical evacuation and repatriation

Get quoteMore info
CoverMore Inbound

$10 million overseas medical and dental

$10 million additional expenses

$3,000 luggage and travel documents

$1 million personal liability

Get quoteMore info
BrandCover for travel into Australia?Cover for trips out of Australia?Apply
Southern Cross
  • Yes, provided you're on a visa that allows you access to medicare benefits
  • Yes, provided you're on a visa that allows you access to medicare benefits
Get quote
Cover is available, however:
  • There is no cover for return home
  • There is no cover for pre-existing medical conditions
  • Policy must bought at least 14 days before you arrive in Australia
  • Yes
Get quote
Tick Travel Insurance
  • Domestic policy is available if you're eligible for Medicare or have overseas student travel insurance in Australia
  • Yes, provided that you're eligible for Medicare or have overseas student travel insurance in Australia
Get quote
Budget Direct Travel Insurance
  • Domestic policy is available if you're eligible for Medicare or have overseas student travel insurance in Australia
  • Yes, provided that you're eligible for Medicare or have overseas student travel insurance in Australia
Get quote
worldcare travel insurance logo
  • Domestic policy is available if you're eligible for a medicare card
Yes, provided you
  • You purchase your policy in Australia before you commence your journey
  • Your journey begins and ends in Australia
  • Are aged 74 years and under
  • You hold a return ticket to Australia
  • You have a home address in Australia to which they intend to return
  • You hold a current Australian visa
  • There is no cover for pre-existing conditions
Get quote
InsureandGo
  • Domestic policy is available if you're eligible for Medicare or have overseas student travel insurance in Australia
  • Yes, provided that you're eligible for Medicare or have overseas student travel insurance in Australia
Get quote
Columbus Direct
  • Domestic policy is available if you have lived in Australia for a minimum of three months
  • Yes, provided that you have lived in Australia for a minimum of three months
Get quote
travel insurance saver logo
  • Domestic policy is available to non-residents under the age of 70
  • Yes – International Comprehensive, Bare Essentials and the Essentials policies are available as long as you are returning back to Australia.
Get quote

Applying for non-resident travel insurance

If you're looking for non-resident travel insurance, you can get cover either before or after your arrival in Australia (depending on the policy conditions). If you do plan on getting cover after your arrival in Australia, some policies will have a waiting period for medical claims.

Conditions when applying for cover include:

  • How old can I be to get cover? Some insurers will not issue cover to people over 70 years of age.
  • How long can I travel for? Most non-resident policies will cover you for up to 12 months.
  • How long before I arrive can I buy cover? You can normally buy cover up to 12 months before your trip commences.
  • Where can I go on an inbound policy? All policies must include Australia as part of the trip and there is no cover for the return leg of your trip to your home country.

What does an inbound travel insurance policy normally cover?

While conditions vary between travel insurance brands, most policies cover:

Who’s eligible for a 416 visa?

In order to be eligible for the 416 visa, you’ll have to apply for temporary residence in Australia under one of the following streams:

  • Special Program of Seasonal Work
  • Cultural Enrichment Program
  • Community Benefit Program
  • School to School Interchange program
  • School Language Assistant Program
  • Youth Exchange Program

You must be invited by a sponsor of one of these special programs, but you can apply for the visa from inside or outside Australia. You’ll also need to meet health and character requirements and have health insurance for the entire time you are in Australia. The 416 visa allows you to participate in one of the above programs, work or study in Australia (if this is part of the program), and be accompanied by eligible family members.

How to apply

Follow these steps if you’d like to apply for the 416 visa:

  1. Provide a letter of invitation or offer of employment from an approved special program sponsor.
  2. Complete Form 1416 “Application for a Special Programme (subclass 416) visa” in blue or black pen. You’ll also need to provide two recent passport-sized photos of each person included in your application.
  3. Lodge your application with the Department of Immigration and Border Protection. At this time, you’ll have to pay a charge and provide supporting documentation, including a birth certificate, a copy of your qualifications and/or CV, evidence of adequate health insurance and evidence of the financial capacity to support your stay in Australia.

FAQ for 416 visas

RHCA

The Reciprocal Health Care Agreement (RHCA) is an accord between the Australian Government and overseas governments. It allows visitors to Australia from certain countries to receive subsidised medical treatment and medicines and there are currently agreements in place with the following countries:

  • The United Kingdom
  • The Republic of Ireland
  • The Netherlands
  • Italy
  • Malta
  • Sweden
  • Finland
  • Slovenia
  • New Zealand
  • Norway
  • Belgium
The good news is that holders of a 416 Special Program visa are entitled to receive all the benefits of the RHCA while in Australia. However, you may still wish to take out private health insurance for extra peace of mind.

Medicare for people on Visas

The Medicare system allows Australians to access a range of medical services and treatments at zero or subsidised cost. Visa holders from countries that have a RHCA with Australia are able to apply for Medicare cover.

However, all other 416 visa holders are unable to qualify for Medicare. It’s therefore mandatory for those not from a RHCA country to take out an adequate level of private health insurance cover. This provides critical financial protection and allows you to get the health care you need whenever you need it.

If you think you’re eligible for a 416 Special Program visa, check out the full application requirements and eligibility details on the Department of Immigration and Border Protection website. Once you know exactly what the visa application process involves, you’ll be ready to satisfy all the requirements for entry into Australia.

Compare travel cover for 416 visa holders

Picture: Shutterstock

Richard Laycock

Richard is the Insurance Editor at finder, and has been wrangling insurance Product Disclosure Statements for the last 4 years. When he’s not helping Aussies make sense of the fine print, he can be found testing the quality of Aperol Spritzes in his new found home of New York. Richard studied Journalism at Macquarie University and The Missouri School of Journalism, and has a Tier 1 certification in General Advice for Life Insurance. He has also been published in CSO Australia and Dynamic Business.

Was this content helpful to you? No  Yes

Related Posts

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy & Cookies Policy and Terms of Use, Disclaimer & Privacy Policy.
Ask a question
Go to site