420 Visa Health Insurance

Health insurance is a requirement under the 420 Visa. See how it works and compare cover.

If you're planning on staying in Australia, it's really important that you get health cover. That's because most overseas visitors aren't fully covered under Australia's public healthcare system.

Without health cover, a simple trip to the doctors can leave you seriously out of pocket, not to mention something more serious, like a bite or car accident.

Luckily, Australian health insurance companies offer 'overseas visitor health cover' (OVHC), which caters specifically to temporary residents like those on the 420.

Who is this visa for?

The 420 visa allows visitors to work in the Australian entertainment industry. You can work in film, television or live productions, in both performance and behind-the-scene roles like directing.

You are able to stay in Australia for a maximum stay of two years, bring eligible family members with you and enter and leave the country as many times as you want while your visa is valid.
What are the visa requirements?

When you apply for a subclass 420 visa, you need to provide evidence of adequate health insurance that covers your entire stay in Australia. This includes insurance that covers any partner or family member you bring with you on the visa. If you can't do this, your visa won't be granted so it's vital you get covered.

What are the visa requirements?

When you apply for a subclass 420 visa, you need to provide evidence of adequate health insurance that covers your entire stay in Australia. This includes insurance that covers any partner or family member you bring with you on the visa. If you can't do this, your visa won't be granted so it's vital you get covered.

Other important requirements include:

  • Experience in the entertainment industry.
  • You must be nominated by an approved entertainment sponsor.
  • Meet the experience and skills required for the nominated position.
  • Have enough financial support for you and your family whilst in Australia.
  • You must meet health and character requirements.

How does health insurance work in Australia?

Medicare is Australia's public health care system. It helps subsidise most medical costs but generally for Australian citizens and permanent residents only. That means that, as a temporary resident, you really need to consider taking out some kind of health insurance, or you risk incurring large out-of-pocket expenses.

There are two types of private health insurance: hospital and general cover (sometimes known as extras). Even if you're entitled to Medicare, it's important you get some kind of extras cover, as Medicare won't pay for things like dental and physiotherapy, which comes under general treatment.

Most health funds, however, offer combined policies that provide a packaged cover for both hospital and general (extras) treatment service, which is the ideal option for a temporary resident looking for comprehensive cover.

Reciprocal health care arrangements

If you're applying for a 420, there's a good chance your home country has a Reciprocal Health Care Agreement (RHCA) with Australia which gives you access to Medicare. If you're traveling as a family or with your partner, you can get a joint account.

However, Medicare only covers emergency medical treatment. It doesn't cover anything that is not immediately necessary such as prescriptions, ambulance, dental care or funerals, which is why most visitors need to go private to receive a more comprehensive level of healthcare.

Picture: Unsplash

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