Health insurance is not a mandatory requirement of the 400 visa, but the Australian department of immigration recommends some kind of health cover for your stay. You are responsible for handling all medical costs during your stay, either by paying out of pocket or through some kind of insurance.
How do I find OVHC?
Just get in touch with an Australian health insurance provider that offers it. The cover and the price will vary between policies however.
- Percentage of medical bills covered: All Australian OVHC products should generally pay at least 85% of the “MBS” if you’re admitted to a hospital. The MBS might be thought of as the basic cost of necessary medical treatments. Treatments will often cost more than the MBS amount, in which case you’ll need to pay the difference.
- Extras cover: Some policies will offer extra cover like visiting a doctor or dentist, prescription medication, and other services or treatments outside of hospital.
- Additional benefits: Policies may include additional benefits like more cover for medical repatriation, funeral expenses and others.
- Cost: The differences in cover mean you’ll find differences in cost.
Generally, you might think of a policy that covers 85% of the MBS as cheap and basic cover, a policy that covers 100% of the MBS as mid, and a policy that covers 100% of the MBS (or more) plus a range of extras services as comprehensive.
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