407 Training Visa Health Insurance

Who is the 407 Visa for?

The 407 Visa is a temporary visa for those who wish to undertake occupational training in Australia so long as that occupation is on the eligible skilled occupations list. It is designed to help improve your skills for your job or area of study and enhance your field of expertise.

While you need to have an approved sponsor, there are 3 types of occupational training covered by this visa. These include:

• Occupational training required for registration.
• Occupational training to improve skills in an eligible occupation.
• Occupational training for capacity building overseas.

What are the visa requirements for this visa?

You must have worked or studied full time for at least 12 months in the nominated occupation and it must be on the 407 Training Visa Occupations List. The company that sponsor you must also be approved as a Temporary Activities Sponsor and provide a full structured training plan in the application.

The minimum age requirement is 18 and you may need to meet certain English proficiency requirements unless you are a native speaker.

The 407 also comes with an 8501 requirement which means you need health cover equivalent to or better than Australia's public health care system, Medicare.

What are the restrictions?

You can't work less than 30 hours a week and can only work for your sponsor and in the nominated field. If you leave your job, your visa will no longer be valid. This visa can't be extended for any longer than two years either.

How does health cover work in Australia?

While all Australians have access to Medicare, most have private health insurance as well. That's because Medicare only covers some hospital expenses but not fully, while it doesn't cover most out of hospital expenses like dental. These services are sometimes known as extras or ancillary services.

What are the health requirements for the 407 Visa?

If you are from countries such as the U.K or Ireland, you will have access to Medicare through Australia's Reciprocal Health Care Agreements (RHCA) which helps cover emergency medical costs. Because you are entitled to the same services as Medicare users, having this satisfies the 8501 health requirements. However, you won't be covered for extras services or private hospital treatment and will have out of pocket expenses whenever you need to go to the doctors.

For those who are not eligible, or looking for a private level of cover simply want better health cover, you should get Overseas visitors health cover (OVHC). There are a lot of comprehensive policies available to choose from. If you do opt for a basic policy, make sure it still meets the minimum health requirements or your visa won't be granted.

Pricing is based on a single individual living 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 2025 but are subject to change.

Picture: GettyImages

Frequently Asked Questions

• What does 407 visa health insurance cover?

  OVHC policies for the 407 visa typically cover medically necessary hospital admissions, doctor visits, some prescription medications and emergency ambulance services. The level of cover can vary so always check your policy details. More comprehensive policies might include extras like dental, optical or physiotherapy.

• Are there waiting periods for 407 visa OVHC?

  Yes, most OVHC policies have waiting periods before you can claim for certain services. Common waiting periods apply to pre-existing conditions, pregnancy and some hospital treatments. It is important to review your policy for specific waiting periods as they can differ between providers and plans.

• Can I add my family to my 407 visa health insurance?

  Yes you can typically include your spouse and dependent children on your 407 visa health insurance policy. When comparing policies ensure you select a family cover option that meets the visa requirements for all listed dependants. The cost will be higher for family policies.

• Does OVHC for a 407 visa cover pre-existing conditions?

  OVHC policies generally have waiting periods for pre-existing conditions. This means you will need to serve a specific time, such as 12 months, for hospital, psychiatric, palliative and rehabilitation services before you can claim benefits for these conditions. Always declare any pre-existing conditions when applying for cover.

• Is pregnancy covered by 407 visa health insurance?

  Pregnancy and birth related services usually have a 12 month waiting period under OVHC policies. If you plan to start a family during your stay it is crucial to purchase cover well in advance. Some basic policies may not cover pregnancy at all.

• How do I make a claim on my OVHC policy?

  To make a claim you will typically need to submit a claim form along with any relevant invoices or receipts from your doctor, hospital or pharmacy. Most providers allow you to claim online through their member portal or app. Always keep records of your medical appointments and expenses.

• What happens if my 407 visa health insurance expires or is cancelled?

  If your 407 visa health insurance expires or is cancelled you will breach your visa condition 8501. The Department of Home Affairs may then cancel your visa. It is essential to maintain continuous compliant health cover for the entire duration of your stay in Australia.

• How long do I need to hold OVHC for my 407 visa?

  You must hold adequate OVHC for the entire duration of your 407 training visa in Australia. Your policy start date should align with your arrival in Australia and your end date should not be before your visa expiry. If your visa is extended you must also extend your health cover.

• What is the difference between OVHC and OSHC?

  Overseas Visitors Health Cover (OVHC) is designed for temporary visitors to Australia including those on a 407 training visa. Overseas Student Health Cover (OSHC) is specifically for international students on a student visa subclass 500. Each type of cover is tailored to meet the specific visa conditions for its respective visa category.

Written by

Gary Ross Hunter

Journalist

Add to Preferred Sources

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise

Gary Ross has written 554 Finder guides across topics including:

• Health, home, life, car, pet and travel insurance
• Managing the cost of living