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8501 visa condition

The 8501 visa condition means you need to get health insurance before you come to Australia.

What is the 8501 visa condition?

The Australian government's immigration website says that "you must have and maintain adequate health insurance for the whole of your stay in Australia" if you are subject to the 8501 visa condition.

Most Australian visas come with the 8501 visa condition. This means you need to take out health insurance for coming to Australia. There are several Australian insurers that offer cover tailored to visa holders.

What visas does the 8501 condition apply to?

The 8501 condition applies to most working visas, including:

  • Working Holiday Visa (417)
  • Work and Holiday Visa (462)
  • Temporary Skill Shortage Visa (subclass 482)
  • Temporary Graduate (subclass 485)
  • Student Visa (subclass 500)
  • Visitor (subclass 600)
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Don't see your visa on the list?
If you're not sure your visa is subject to the 8501 condition, search your visa on the government's immigration website and click eligibility, or go to the visa details and conditions page. It will say if you need health insurance.

Finder survey: How many claims have people made on their Overseas Visitor Health Cover?

Response
045.45%
Between 5 and 1027.27%
118.18%
29.09%
Source: Finder survey by Pure Profile of 1006 Australians, December 2023

How can I meet the 8501 visa requirement?

You can meet the 8501 health insurance requirement by taking out Overseas Visitor Health Cover (OVHC). This is a type of health insurance designed specifically for visa holders coming to Australia.

The policies below all meet the 8501 condition. They can all send you a certificate within 48 hours of taking out a policy. You can attach this to your visa application. The start date should be when you expect to arrive in Australia, so you won't start paying for your policy until then.

Name Product Meets condition 8501 Hospital Cover Dental Pregnancy Cover GP Visits Medical Repatriation Price
HCF Short Stay Visitor Visa
From $55.50 per month
From $55.50 per month.
Frank Basic Workers Cover
Yes (Reduced benefits)
$10,000
From $64.50 per month
From $64.50 per month.
HCF Basic Working Visa
Yes (Reduced benefits)
$50,000
From $74.50 per month
From $74.50 per month.
Frank Minimum Working Visa Cover
$20,000
From $75 per month
From $75 per month.
Allianz Care Australia Budget Working Cover
$20,000
From $77.25 per month
From $77.25 per month.
Frank Mid Workers Cover
$20,000
From $100 per month
From $100 per month.
HCF Mid Working Visa
Yes (Reduced benefits)
$100,000
From $104 per month
From $104 per month.
Allianz Care Australia Standard Working Cover
$20,000
From $113.85 per month
From $113.85 per month.
Frank Mid Workers Plus Bundle
$20,000
From $125 per month
From $125 per month.
HCF Essentials Visitor Visa
From $126.50 per month
From $126.50 per month.
HCF Top Working Visa
Yes (Reduced benefits)
$100,000
From $142.50 per month
From $142.50 per month.
Allianz Care Australia Mid Working Cover
$20,000
From $167 per month
From $167 per month.
HCF Essentials Plus Visitor Visa
From $202.50 per month
From $202.50 per month.
HCF Top Plus Working Visa
$110,000
From $296 per month
From $296 per month.
Allianz Care Australia Top Working Cover
$20,000
From $313.75 per month
From $313.75 per month.
nib Budget Visitor Cover
Restricted
From $67.17 per month
From From $67.17 per month per month.
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Do I need to get health insurance?

You aren't obligated to get health insurance if you are from a country that has a Reciprocal Health Care Agreement (RHCA) with Australia.

You will be eligible for Medicare – Australia's public healthcare system – if you're from the United Kingdom, the Republic of Ireland, New Zealand, Sweden, The Netherlands, Finland, Belgium, Norway, Slovenia, Malta or Italy.

RHCA countries that don't require health insurance

However, it still may be worth getting health insurance. The Australian immigration website says:

"all visitors to Australia are strongly recommended to make their own arrangements for private health insurance (regardless of whether or not it is a visa condition)."

RHCAs also don't generally cover ambulance transportation, medical evacuation and some out of hospital services such as dental care – but many Overseas Visitor policies can.

Alanna Glenn

When I transitioned from a working holiday visa to a working visa in 2017, I was subject to condition 8501 meaning I had to maintain adequate health insurance. At the time, I was on a budget and just chose the cheapest one I could find (which was HBF) that met this condition.
— Alanna Glenn, lead publisher (money)

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