Finder makes money from featured partners, but editorial opinions are our own.

408 Visa Health Insurance

If you’re working in Australia on a 408 visa, you need adequate health insurance. Overseas Visitor Health Cover (OVHC) is affordable and visa compliant. Use this page to compare OVHC policies from $73/month.

1 - 13 of 13
Name Product Meets condition 8501 Hospital Cover Dental Pregnancy Cover GP Visits Medical Repatriation Price
Medibank Overseas Workers Base Hospital
From $73 per month
HCF Basic Working Visa
Yes (Reduced benefits)
From $74.50 per month
Allianz Care Australia Budget Working Cover
From $66.40 per month
HCF Mid Working Visa
Yes (Reduced benefits)
From $104 per month
Medibank Overseas Workers Standard Hospital and Medical
From $113 per month
Allianz Care Australia Standard Working Cover
From $113.85 per month
HCF Top Working Visa
Yes (Reduced benefits)
From $142.50 per month
Allianz Care Australia Mid Working Cover
From $183.70 per month
HCF Top Plus Working Visa
From $296 per month
Allianz Care Australia Top Working Cover
From $345.10 per month
Medibank Overseas Workers Advanced Hospital and Medical
From $406 per month
Medibank Overseas Workers Premium Hospital, Medical and Extras
From $437.50 per month
nib Budget Visitor Cover
From $67.17 per month
More Info

What the 408 visa is for and who can get it?

The 408 visa lets travellers come to Australia on a temporary basis to:

  • Work in the entertainment industry
  • Participate in activities at the invitation of an Australian organisation
  • Participate or observe in an Australian research project (this was previously covered by a separate subclass 419 visa)
  • Work in a skilled position under a staff exchange arrangement
  • Participate in high-level sports competitions or sports training programs
  • Participate in a special programme approved by the department that provides opportunities for youth exchange, cultural enrichment or community benefits.
  • Do full-time religious work
  • Be employed as a superyacht crew member
  • Do full time domestic work for certain senior foreign executives
  • Participate in a government-endorsed event

To get a 408 visa, you need to have the skills to undertake the relevant activity, be supported or sponsored, and meet specific requirements for each purpose above.

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.

Is health insurance mandatory for the 408 visa?

It's a requirement that you can demonstrate adequate health insurance cover for your stay. Generally this will be in the form of overseas visitor health cover (OVHC). This is a health insurance policy for visitor to Australia.

Most, but not all, OVHC policies will meet the minimum requirements.

If you're from an RHCA country you might have this automatically. But even with it, you might still need overseas visitor health cover (OVHC) depending on the purpose of your visit and what country you're from.

How to find and compare OVHC policies

The mandatory level of health cover may depend on the purposes of your visit, and what country you’re visiting from. Generally most OVHC policies will meet or exceed those standards.

How to compare price

Visit a range of Australian health insurance providers to see how much their OVHC costs, but remember to look for corresponding differences in cover.

How to compare cover

There are some specific things to look at.

  • Extras and bonuses. Are you covered for doctors and dentist visits, or just hospital admissions? How are you covered for repatriation or funeral expenses?
  • Percentage of hospital bills covered: You’ll generally find this as a “percent of MBS.” The MBS is an important part of Australia’s healthcare so it’s worth knowing about.

How the MBS works

The MBS is the Medicare Benefits Schedule.

Medicare is Australia’s public healthcare system, and the benefits schedule is a list of thousands of different essential medical procedures and how much they cost.

When an Australian goes to a public hospital and gets “free” healthcare (covered by Medicare), the MBS is generally the amount that the government pays to the hospital or practitioners to perform the treatment.

So if you find a policy that covers you for “100% of the MBS” that means you’re basically covered for hospital procedures in almost the same way as Australians are covered by Medicare.

Some overseas visitor health insurance might only cover 85% of the MBS, while a lot will cover 100%.

The catch is that sometimes a procedure will cost more than 100% of the MBS, and you may have to pay any difference out of pocket.

This difference is usually known as “the gap” between health insurance and actual costs.

Generally, you’ll be able to find out how much a procedure will cost beforehand, and can look for treatments that won’t leave you with major gap expenses.

Andrew Munro's headshot
Written by


Andrew Munro was the global cryptocurrency editor at Finder. During his time he covered all aspects of cryptocurrency and the blockchain. Before he became cryptocurrency editor, he was a content writer for Finder covering various topics over his nearly 5 years in the role. Prior to joining Finder he was a web copywriter. Andrew has a Bachelor of Arts from the University of New South Wales. See full bio

More guides on Finder

Go to site