489 visa Health Insurance

Applying for an Australian 489 visa? Compare health insurance policies that satisfy your entry requirements.

Compare OVHC for 489 visas

	Details	Features
Basic Working Visa	From $69 per month Working visa compliant Public hospital (shared room) Dental & optical extras (available separately)	Pregnancy cover Emergency ambulance cover Medical repatriation ($4,000 benefit)	Get Quote More info
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	Get Quote More info
Essentials Working Visa	From $92.10 per month Working visa compliant Public hospital (Shared room) Dental & optical extras (available separately)	Pregnancy cover (public hospital) Emergency ambulance cover Medical repatriation ($4,000 benefit)	Get Quote More info
Intermediate Working Visa	From $107.45 per month Working visa compliant Public & private hospital (shared room) Dental & optical extras (available separately)	Pregnancy cover GP (doctors) visits cover Emergency ambulance cover Medical repatriation ($6,000 benefit)	Get Quote More info
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	Get Quote More info
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	Get Quote More info
Comprehensive Working Visa ($500 excess)	From $188.95 per month Working visa compliant Public & private hospital (private room) Dental & optical extras (available separately)	Pregnancy cover GP (doctors) visits cover Emergency ambulance cover Medical repatriation ($8,000 benefit)	Get Quote More info
Comprehensive Working Visa	From $228.00 per month Working visa compliant Public & private hospital (private room) Dental & optical extras (available separately)	Pregnancy cover GP (doctors) visits cover Emergency ambulance cover Medical repatriation ($8,000 benefit)	Get Quote More info
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

Who is eligible for this type of visa?

In order to be applicable for the Skilled Regional visa, you must have a relevant regional occupation and pass a points test. There are three different ways you can enter:

• Invited pathway - You must submit an Expression of Interest and will need to be nominated by an Australian state or territory or sponsored by an eligible relative. You must also be under the age of 45.
• Extended stay pathway – You must live, work and study in specified regional areas of Australia and hold a subclass 475, 487, 495 or 496 visa.
• Subsequent entry pathway - This visa is for a member of the family, specifically anyone who holds a Skilled Regional visa (subclass 489) or a subclass 475, 487, 495 or 496 visa.

What is a provisional visa Australia?

A provisional visa effectively acts as an entryway into Australia if you meet the 489 visa requirements. Whilst it doesn't give you permanent residency, it is a temporary visa that may lead to the grant of a permanent visa if the holder meets certain conditions. You can bring your family on the 489 and if it is granted, you are able to apply for the Skilled Regional (Permanent) visa (subclass 887).

The restrictions of a 489 visa

You can stay in Australia for up to 4 years (as can any family member also on the visa with you). Of course, this visa restricts you exclusively to regional work and in specific areas, but it can lead to PR. This visa is also only eligible to those who are nominated by a state or territory government agency, or an eligible relative

How does 489 health insurance work for families and couples?

Getting the right cover on the 489 is crucial, as you need to fulfil Condition 8501, which requires applicants to take out an adequate health insurance policy. This means medical expenses don’t have a serious impact on your financial position, as the majority of non-citizens can’t access the public health system. Before settling in Australia, make sure you’ve got the best health cover for you and your family.

What determines adequate health insurance under the 489 visa rules?

To be considered "adequate" for 489 visa requirements, all OVHC policies must:

• Provide a minimum level of cover equivalent to a domestic public hospital policy.
• Include benefits for day surgery accommodation costs.
• Cover some prosthetic devices.
• Include benefits for emergency ambulance transport.
• Cover all Pharmaceutical Benefits Scheme (PBS) listed medications.
• Cover all medical treatments listed under the Medicare Benefits Schedule (MBS).

Do any exclusions apply to OVHC?

Depending on the level of OVHC you purchase, you may be unable to claim for certain treatments. It's recommended that you study each policy carefully so that you're aware of what is and isn't claimable, especially if you are seeking cover for something specific such as maternity services, which is usually excluded from more basic OVHC policies.

Examples of commonly excluded treatments

How long do I have to wait before I can claim?

Just like domestic health insurance, OVHC policies have different waiting periods applied to different services. The Australian Government sets the waiting periods for hospital treatments so they do not differ between health funds:

• 12 months for pre-existing conditions (excluding psychiatric, rehabilitation and palliative care).
• 12 months for pregnancy and maternity services.
• 2 months for all other hospital treatments and services.

If you are planning to purchase extras cover with your OVHC policy for out-of-hospital services such as dental or physiotherapy, be aware that each health fund can set the waiting periods for these services individually, so remember to take this into account when comparing policies.

What are 489 visa designated areas?

The areas of regional Australia that you are able to live and work in will depend on whether your 489 visa application was either:

• Nominated by a State or Territory government agency. Defined as regional and low population growth metropolitan areas.
• Sponsored by an eligible relative. Defined as designated areas.

The regional, low population and designated areas for each pathway option can be found below:

• 489 visa nomination pathway
• 489 visa sponsored pathway

Are all overseas visitors excluded from Medicare?

As the holder of a 489 visa you cannot receive subsidised health care services from the public health system called Medicare, unless you are from a country that Australia has a Reciprocal Health Care Agreement (RHCA) with. These countries are:

Be aware that the cover you receive from the RHCA is very limited and you are likely to incur out-of-pocket expenses for everything but the most essential medical treatments. This is why it can be worth considering an OVHC policy even if you come from an RHCA nation.

Who offers OVHC in Australia?

The following providers offer health insurance for 489 visa holders, which is fully compliant with the Australian Department of Border Protection and Immigration requirements relating to working visas:

Compare visitors health insurance for 489 visas and get covered

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