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489 Visa Health Insurance

If you're in Australia on a 489 visa, you need adequate health insurance. Overseas Visitors Health Cover (OVHC) starts at just $51/month. Compare OVHC options below.

Allianz Care Australia Working Cover

  • Meets condition 8501
  • Receive certificate of insurance online
  • 24/7 Emergency phone line
  • Australia-wide cover
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Terms and conditions apply.
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1 - 9 of 9
Name Product Meets condition 8501 Hospital Cover Dental Pregnancy Cover GP Visits Medical Repatriation Price
Medibank Overseas Visitors Starter Hospital and Medical
From $51 per month
From $51 per month.
Medibank Overseas Workers Base Hospital
From $71 per month
From $71 per month.
Allianz Care Australia Budget Working Cover
$20,000
From $77.25 per month
From $77.25 per month.
Medibank Overseas Workers Standard Hospital and Medical
From $104.50 per month
From $104.50 per month.
Allianz Care Australia Standard Working Cover
$20,000
From $113.85 per month
From $113.85 per month.
Allianz Care Australia Mid Working Cover
$20,000
From $167 per month
From $167 per month.
Medibank Overseas Workers Advanced Hospital and Medical
From $332.50 per month
From $332.50 per month.
Allianz Care Australia Top Working Cover
$20,000
From $313.75 per month
From $313.75 per month.
Medibank Overseas Workers Premium Hospital, Medical and Extras
From $349.00 per month
From $349.00 per month.
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Compare up to 4 providers

Pricing is based on a single live 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.

What you need to know

  • 489 visa holders need to hold adequate health insurance as part of your visa requirements.
  • These OVHC policies are all visa condition 8501 compliant.
  • Even if your country has an RHCA with Australia, it does not cover all treatments.

Do I need health insurance on a 489 visa?

If you're on or applying for a 489 visa, you need to fulfil Condition 8501 of your visa which requires you to have adequate health insurance in place.

All the Overseas Visitors Health Cover (OVHC) policies above are designed to meet this criteria. When you take out cover, they will email you a confirmation letter, which you can attach to your visa application.

What's covered with OVHC?

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

Can 489 visa holders access Medicare?

You usually can't receive subsidised health care services from the public health system Medicare, unless you're from a country that Australia has a Reciprocal Health Care Agreement (RHCA) with. These countries include the United Kingdom, the Republic of Ireland, New Zealand, Sweden, The Netherlands, Finland, Belgium, Norway, Slovenia, Malta and Italy.

RHCA countries that don't require health insurance

However, Medicare doesn't cover everything. Even if you're covered by a RCHA, you will still have to pay for ambulances, dental, optical, physio and chiro.

Ambulance
Did you know?
Ambulance services can cost over $1,800AUD in Australia, unless you live in Queensland or Tasmania and are covered by Medicare.

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.

What are the waiting periods for out of hospital treatment?

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

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:

  • Allianz Global Assistance
  • Australian Unity
  • Bupa
  • Frank Health Insurance
  • HBF
  • HCF
  • HIF
  • nib

General FAQs about the 489 visa

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