456 and 400 visa health insurance

Find health insurance for your stay in Australia

Note: On 19 November 2016, the Short Stay Business Visa subclass 456 was replaced by the Temporary Work (Short Stay Specialise) Visa subclass 400.

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.

What sort of visitors health insurance do you want to compare?

Details Features
Budget Working Cover
Budget Working Cover
  • From $75 per month
  • Working visa compliant
  • Public & private hospital
  • Dental & optical extras
  • Pregnancy cover
  • Emergency ambulance cover
  • Medical repatriation (up to $20,000 benefit)
  • Options available for singles, couples and families
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Details Features
Standard Working Cover
Standard Working Cover
  • From $110 per month
  • Working visa compliant
  • Public & private hospital
  • Dental & optical extras
  • Pregnancy cover
  • GP (doctors) visits cover
  • Emergency ambulance cover
  • Medical repatriation (up to $20,000 benefit)
  • $300 Prescribed Medicines limit
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Mid Working Cover
Mid Working Cover
  • From $158 per month
  • Working visa compliant
  • Public & private hospital
  • Dental & optical extras
  • Pregnancy cover
  • GP (doctors) visits cover
  • Emergency ambulance cover
  • Medical repatriation (up to $20,000 benefit)
  • $500 General Dental limit
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Details Features
Top Working Cover
Top Working Cover
  • From $298 per month
  • Working visa compliant
  • Public & private hospital
  • Dental & optical extras
  • Pregnancy cover
  • GP (doctors) visits cover
  • Emergency ambulance cover
  • Medical repatriation (up to $20,000 benefit)
  • $1,000 General Dental limit
Get Quote More info

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

What are your options

The nature of this visa means that your organisation will often help you arrange health cover while in Australia.

If you need to take care of it yourself, you’re probably looking for overseas visitor health cover (OVHC) from an Australian health insurance company.

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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