489 visa Health Insurance

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

At the doctors office
In order to qualify for a 489 visa, you may need to fulfil Condition 8501, which requires applicants to take out an adequate health insurance policy. The purpose of this is to ensure that visitors to Australia are not hit with costly medical expenses, as most non-citizens and non-permanent residents cannot access the public health system. A number of Australian health funds offer Overseas Visitors Health Cover (OVHC), which is designed to meet the 489 visa requirements. Policies from participating health funds can be compared below.

Compare OVHC for 489 visas

Updated September 21st, 2019
Name Product Price Visa Compliant Hospital cover Dental Pregnancy Cover GP Visits Medical Repatriation
From $69 per month
  • Yes
  • Yes
Optional
  • Yes
  • No
$4,000
From $69 per month.
From $75 per month
  • Yes
  • Yes
  • No
  • Yes
  • No
$20,000
From $92.10 per month
  • Yes
  • Yes
Optional
  • Yes
  • No
$4,000
From $92.10 per month.
From $107.45 per month
  • Yes
  • Yes
Optional
  • Yes
  • Yes
$6,000
From $107.45 per month.
From $110 per month
  • Yes
  • Yes
  • No
  • Yes
  • Yes
$20,000
From $158 per month
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes
$20,000
From $188.95 per month
  • Yes
  • Yes
Optional
  • Yes
  • Yes
$8,000
From $188.95 per month.
From $228.00 per month
  • Yes
  • Yes
Optional
  • Yes
  • Yes
$8,000
From $228.00 per month.
From $298 per month
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes
$20,000
From $298 per month

Compare up to 4 providers

*Pricing is based on a single male planning to live and work in the State of New South Wales on a 489 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 are accurate for 2019 and are subject to change. Table displays health funds from Finder partners.

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:

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:

Regional and low population growth metropolitan areas

State or territoryPostcodes
New South Wales (NSW)
  • 2311 to 2312
  • 2328 to 2411
  • 2420 to 2490
  • 2536 to 2551
  • 2575 to 2594
  • 2618 to 2739
  • 2787 to 2898
Queensland (QLD)
  • 4124 to 4125
  • 4133
  • 4211
  • 4270 to 4272
  • 4275
  • 4280
  • 4285
  • 4287
  • 4307 to 4499
  • 4515
  • 4517 to 4519
  • 4522 to 4899
Victoria (VIC)
  • 3211 to 3334
  • 3340 to 3424
  • 3430 to 3649
  • 3658 to 3749
  • 3753
  • 3756
  • 3758
  • 3762
  • 3764
  • 3778 to 3781
  • 3783
  • 3797
  • 3799
  • 3810 to 3909
  • 3921 to 3925
  • 3945 to 3974
  • 3979
  • 3981 to 3996
Western Australia (WA)
  • 6041 to 6044
  • 6083 to 6084
  • 6121 to 6126
  • 6200 to 6799
South Australia (SA)
  • Whole state
Northern Territory (NT)
  • Whole state
Tasmania (TAS)
  • Whole state

Designated areas

State or territoryPostcodes
New South Wales (NSW)
  • 2311 to 2312
  • 2328 to 2333
  • 2336 to 2490
  • 2535 to 2551
  • 2575 to 2739
  • 2787 to 2898
Queensland (QLD)
  • 4019 to 4028
  • 4037 to 4050
  • 4079 to 4100
  • 4114
  • 4118
  • 4124 to 4150
  • 4158 to 4168
  • 4180 to 4899
Australian Capital Territory (ACT)
  • Whole state
Victoria (VIC)
  • Whole state
South Australia (SA)
  • Whole state
Western Australia (WA)
  • Whole state
Northern Territory (NT)
  • Whole state
Tasmania (TAS)
  • Whole state

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:

RHCA countries that don't require health insurance

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:

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

Compare visitors health insurance for 489 visas and get covered

Latest headlines

Picture: Shutterstock

Was this content helpful to you? No  Yes

Related Posts

Ask a question
Go to site