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Health insurance for overseas workers

Health insurance is mandatory for most overseas workers. Compare 10+ OVHC policies for working in Australia.

Compare OVHC visa compliant options

Name Product Meets condition 8501 Hospital Cover Dental Pregnancy Cover GP Visits Medical Repatriation Price
Frank Basic Workers Cover
Yes (Reduced benefits)
$10,000
From $64.50 per month
From $64.50 per month.
Medibank Overseas Workers Base Hospital
From $73 per month
From $73 per month.
More Info
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.
Medibank Overseas Workers Standard Hospital and Medical
From $113 per month
From $113 per month.
More Info
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 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 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.
Medibank Overseas Workers Advanced Hospital and Medical
From $406 per month
From $406 per month.
More Info
Medibank Overseas Workers Premium Hospital, Medical and Extras
From $437.50 per month
From $437.50 per month.
More Info
nib Budget Visitor Cover
Restricted
From $67.17 per month
From From $67.17 per month per month.
More Info
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What health insurance do overseas workers need?

If you're coming to Australia on a temporary working visa, you'll need a specific type of Overseas Visitor Health Cover – workers cover. This is a type of health insurance designed for people who come to work in Australia on a temporary basis.

When you apply for a visa, most come with condition 8501 which states that you need to have health insurance while you're in Australia. All the policies above meet the requirements outlined in your visa.

This also means you'll need to purchase a policy before you complete your visa application. When you take out cover, they'll send you a certificate straight away to put with your application. You generally won't be charged until you arrive in Australia.

Finder survey: How long have people had Overseas Visitor Health Cover?

ResponseMaleFemale
10.42%0.19%
20.42%0.19%
40.38%
50.38%
30.19%
Source: Finder survey by Pure Profile of 1006 Australians, December 2023

What do I get with Overseas visitor health insurance?

Hospital

Hospital bills

Your insurer will pay up to 100% of the MBS fee as long as your policy covers the treatment. You may be covered for less if you use a hospital that doesn't have a partnership with your insurer.

Surgeon

Doctor's visits

Your insurer will pay up to 100% of the amount that the Australian Government has determined that a standard GP consultation should cost. You'll need to pay the difference if your doctor charges more.

Private contract

Prescriptions, x-rays and bloodwork

You generally get a yearly dollar limit that you can claim for prescriptions and specialist service costs such as x-rays and bloodwork.

Ambulance cover

Emergency ambulance rides

Your insurer will pay for ambulance rides in an emergency. If it's not an emergency, you'll need to pay for the costs.

Want dental cover as well?
OVHC can also cover out-of-hospital services like dental, physio and chiro. In Australia, these are known as extras and you can often add them onto your policy.

What is not included with overseas workers health insurance?

There are certain service and treatment exclusions that your policy will generally not cover, such as:

  • Cosmetic surgery
  • IVF and assisted reproduction services
  • Treatments not covered by the Australian public health system
  • Treatment you require while travelling to or from Australia
  • Claims for treatment costs that could otherwise be covered by compensation or damages
  • Any treatments you have arranged before travelling to Australia
  • Non-emergency ambulance transportation

Is OVHC compulsory for all nationalities?

No. Some people on visas from countries which have a Reciprocal Health Care Agreement (RHCA) with Australia do not need to get OVHC. They are eligible to receive subsidised health care treatment (Medicare).

Australia has agreements in place with 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

If you're coming from any of these countries to work in Australia, you should enrol for Medicare when you get to Australia.

RHCAs don't cover everything. You will be out of pocket for ambulance transportation (in most states) dental care, medical evacuation and private patient treatment, so it might still be worth getting OVHC even if you are eligible for Medicare.

FAQs about health insurance for overseas workers

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