489 Visa Health Insurance

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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.	Get quote More Info	Compare	loading Fetching your data...
Medibank Overseas Workers Base Hospital								From $71 per month	From $71 per month.	Get quote More Info	Compare	loading Fetching your data...
Allianz Care Australia Budget Working Cover							$20,000	From $77.25 per month	From $77.25 per month.	Get quote More Info	Compare	loading Fetching your data...
Medibank Overseas Workers Standard Hospital and Medical								From $104.50 per month	From $104.50 per month.	Get quote More Info	Compare	loading Fetching your data...
Allianz Care Australia Standard Working Cover							$20,000	From $113.85 per month	From $113.85 per month.	Get quote More Info	Compare	loading Fetching your data...
Allianz Care Australia Mid Working Cover							$20,000	From $167 per month	From $167 per month.	Get quote More Info	Compare	loading Fetching your data...
Medibank Overseas Workers Advanced Hospital and Medical								From $332.50 per month	From $332.50 per month.	Get quote More Info	Compare	loading Fetching your data...
Allianz Care Australia Top Working Cover							$20,000	From $313.75 per month	From $313.75 per month.	Get quote More Info	Compare	loading Fetching your data...
Medibank Overseas Workers Premium Hospital, Medical and Extras								From $349.00 per month	From $349.00 per month.	Get quote More Info	Compare	loading Fetching your data...

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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.

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 treatment, accommodation and theatre fees

Doctor, surgeon and specialist fees

Emergency ambulance transportation fees

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.

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. more info button

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:

General FAQs about the 489 visa

• Who is eligible for the 489 visa?

  In order to be eligible 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 for 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).

• What are 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.

• 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

  Regional and low population growth metropolitan areas

  State or territory	Postcodes
  New South Wales (NSW) more info button	2311 to 2312 2328 to 2411 2420 to 2490 2536 to 2551 2575 to 2594 2618 to 2739 2787 to 2898
  Queensland (QLD) more info button	4124 to 4125 4133 4211 4270 to 4272 4275 4280 4285 4287 4307 to 4499 4515 4517 to 4519 4522 to 4899
  Victoria (VIC) more info button	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) more info button	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 territory	Postcodes
  New South Wales (NSW) more info button	2311 to 2312 2328 to 2333 2336 to 2490 2535 to 2551 2575 to 2739 2787 to 2898
  Queensland (QLD) more info button	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