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600 visa health insurance

Compare OVHC policies that meet the visitor visa 600 health insurance requirements.

What you need to know

  • You are liable for all your healthcare costs while travelling in Australia – unless you are covered by a reciprocal healthcare agreement. The right insurance can help limit your financial liability.
  • The Australian 600 visa is a temporary visa that allows visitors to enter Australia for tourism or business purposes. The visa is valid for up to 12 months and allows the holder to travel in and out of Australia multiple times during that period.
  • To be eligible for the 600 visa, individuals must meet certain health, character, and financial requirements, and must have a valid passport from a country that is eligible for the visa.
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Pricing is based on a single person living in the State of New South Wales on a visa and is not from a country that Australia has a Reciprocal Health Care Agreement (RHCA) with and is not eligible for cover under Medicare. Prices are accurate for 2020 but are subject to change.

Visitor visa 600 health insurance: An overview

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​​Key facts: Visitor visa 600

Health insurance is recommended by the Australian government for all visitors to Australia regardless of the type of visa. Doctor's visits and hospital stays can really add up and you're responsible for the full cost of treatment, emergency or otherwise.

For some visitors on a 600 visa, health insurance may be mandatory. If your visa is subject to condition 8501, you must have adequate health insurance for the whole of your stay in Australia.

Condition 8501 might be attached to the following Visitor (subclass 600) visas:

  • Tourist (In Australia)
  • Tourist (Outside Australia)

Condition 8501 doesn't apply to the following Visitor (subclass 600) visas:

  • Business Visitor
  • Sponsored Family
  • Approved Destination Status
  • Frequent Traveller.


What treatments does OVHC cover?

Overseas Visitors Health Cover (OVHC) is a type of private health insurance tailored to visa holders coming to work, live and visit Australia, like those on the 600 visa. It can cover you for the following:

Hospital treatment, accommodation and theatre fees
Doctor, surgeon and specialist fees
Emergency ambulance transportation fees
Private contract
Prescriptions and General Practitioner (GP) consultations

Important note: Not all OVHC policies meet the visa health insurance requirements for condition 8501. If you have this condition on your visa, you'll need to make sure you choose the right insurance cover.

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Levels of cover

Just like with any insurance, Visitor visa 600 health insurance providers offer various levels of policies to choose from.

  • Budget. This will be your most affordable option and will likely cover emergency ambulance and in-hospital expenses.
  • Standard. You can expect ​​the addition of some out-of-hospital cover. This may include doctor visits, specialists' fees and prescription medicines.
  • Premium. More comprehensive coverage that will also include some extras cover including dental, optical and physio treatments.

How to provide evidence of your health insurance arrangements

"If applicants are required to provide evidence of their health insurance arrangements, any the following may be considered acceptable, unless a particular visa subclass instruction requires other specific information:

  • a copy of the insurance policy;
  • a written letter or cover note from an acceptable insurance provider, certifying that the primary visa applicant and any accompanying family members immediately upon visa grant or their arrival in Australia, are, or will be, covered by insurance that is at least as comprehensive as the prescribed adequate level of cover;
  • evidence that the visa applicant has lawfully enrolled with Medicare via Reciprocal Health Care Agreements (RCHA);
  • evidence that the primary visa applicant and any accompanying family members immediately upon visa grant or their arrival in Australia, are, or will be, covered by health insurance that is at least as comprehensive as the adequate level of cover required under policy, with the understanding that the applicants will either enrol with Medicare under a RHCA or enrol in a private insurance arrangement after arrival; or
  • for citizens from the Republic of Ireland that may access RCHA, evidence that they hold an Irish passport.

Family members applying separately from the primary visa applicant or visa holder must produce evidence as per above, which clearly indicates that they, as dependant applicants, will be covered upon arrival in Australia by a policy with an adequate level of cover."

Washing machine on fire
— Kaku Caro is a lawyer in LegalVision's Corporate Immigration team. He has previous experience in the areas of commercial litigation, corporate and personal immigration. He also has experience advising on visa eligibility and preparing visa applications such as partner visas, employer-sponsored work visas, parent visas, and general skilled migration visas.

Am I covered by Medicare on a 600 visa?

Australia's public healthcare system, Medicare, generally only covers Australian citizens and permanent residents.

You may be partially covered by Medicare, however, if you're visiting Australia from a country that has a Reciprocal Health Care Agreement (RHCA) in place.

Cover varies based on the country you’re visiting from but generally includes:

If you're a visitor, you aren't generally eligible for Medicare unless you are from a country that has a Reciprocal Health Care Agreement in place with Australia. You may be partially covered by Medicare if you're from one of the following countries that Australia has an RHCA with:

  • The United Kingdom
  • The Republic of Ireland
  • New Zealand
  • The Netherlands
  • Belgium
  • Italy
  • Malta
  • Sweden
  • Slovenia
  • Norway
  • Finland
Did you know?
An ambulance can cost over $1,800 in Australia and isn't covered by Medicare unless you live in Queensland or Tasmania.

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