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461 visa health insurance

The 461 visa is make for relatives of New Zealanders living in Australia. While kiwis have access to Medicare, 461 visa holders don't, and will need to take out health insurance (OVHC).

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.
Medibank Overseas Workers Base Hospital
From $73 per month
From $73 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.
Medibank Overseas Workers Standard Hospital and Medical
From $113 per month
From $113 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.
Medibank Overseas Workers Advanced Hospital and Medical
From $406 per month
From $406 per month.
Medibank Overseas Workers Premium Hospital, Medical and Extras
From $437.50 per month
From $437.50 per month.
nib Budget Visitor Cover
Restricted
From $67.17 per month
From From $67.17 per month per month.
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What is the 461 visa?

A 461 visa is a temporary visa that allows a non-New Zealand citizen who is a member of a family unit of a New Zealand citizen to live and work in Australia for up to five years. Unlike New Zealand citizens, who are eligible for Medicare (Australia's public health system), 461 visa holders are not automatically covered by Medicare and may have to pay for their own medical and hospital expenses while in Australia.

Why do you need OVHC?

OVHC is a type of health insurance that is designed for visitors to Australia who can't use Medicare. OVHC can help you pay for medical services like hospital stays, doctors' visits, prescription medicine and ambulance services while you're in Australia.

There are two reasons why 461 visa holders will need OVHC:

1. OVHC is visa requirement for the 461 visa

The Department of Home Affairs requires 461 visa applicants to have adequate health insurance for their stay. You've got to have have health insurance that covers at least the minimum level of benefits suggested by the Department, which include:

  • Public hospital treatment as a private patient
  • Private hospital treatment
  • Emergency ambulance services
  • Pharmaceutical benefits up to $300 per year
  • Out-of-hospital medical services such as GP visits and specialist consultations

2. It can save you money

Health care costs in Australia can be very expensive without insurance. Without OVHC, you'll have to pay for these costs out of your own pocket. With OVHC, you can reduce or avoid these costs by claiming benefits from your insurer.

Which OVHC policy is best for 461 visa holders?

There are many OVHC products available in the market, and no one is best for 461 visa holders (or for any other visa). Rather, you'll need to pick a policy that suits you. Here are a few things to consider.

  • Check the eligibility. Not all OVHC products are suitable for 461 visa holders, so make sure you check the eligibility criteria before you buy.
  • Compare the cover. Different OVHC products offer different levels of cover, ranging from basic to comprehensive. The level of cover you need depends on your personal circumstances, such as your health status, budget and lifestyle. Use the table at the top of this page the help.
  • Read the fine print. Once you've chosen cover, you should read the product disclosure statement (PDS) carefully and understand the terms and conditions of your policy. The PDS contains important information such as what is covered and what is not covered, how to make a claim, how to cancel or renew your policy, and what are your rights as a policyholder.

How much does health insurance cost?

We ask hundreds of Australians what they're paying for health insurance every month. Here's what they told us in May 2024.
  • Basic: $110
  • Bronze: $143
  • Silver: $162
  • Gold: $197
Price based on 1,000+ responses for single hospital insurance.

Frequently asked questions

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