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462 Visa Health Insurance

Most 462 visa applicants aren’t eligible for Reciprocal Healthcare. Compare OVHC to meet your visa’s healthcare requirements and avoid costly bills.

1 - 9 of 9
Name Product Meets condition 8501 Hospital Cover Dental Pregnancy Cover GP Visits Medical Repatriation Price
Medibank Overseas Workers Base Hospital
From $73 per month
nib Budget Visitor Cover
From $67.17 per month
More Info
Allianz Care Australia Budget Working Cover
From $77.25 per month
Medibank Overseas Workers Standard Hospital and Medical
From $113 per month
Allianz Care Australia Standard Working Cover
From $113.85 per month
Allianz Care Australia Mid Working Cover
From $167 per month
Medibank Overseas Workers Advanced Hospital and Medical
From $406 per month
Allianz Care Australia Top Working Cover
From $313.75 per month
Medibank Overseas Workers Premium Hospital, Medical and Extras
From $437.50 per month

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.

Who is the 462 visa for and which nationalities does it accept?

The 462 visa is part of the Working Holiday Maker (WHM) program. It's intended primarily for backpackers and young adults looking to do short-term work and study in Australia while they travel and explore the country.

With this visa, you can also study for up to four months and travel to and from Australia as many times as you want.

This visa is open to people from the following countries:

Argentina, Austria, Chile, People's Republic of China, Czech Republic, Ecuador, Greece, Hungary, Indonesia, Israel, Luxembourg, Malaysia, Peru, Poland, Portugal, San Marino, Singapore, Slovak Republic, Slovenia, Spain, Thailand, Turkey, Uruguay, USA and Vietnam.

How does the 462 visa work?

In order to be eligible for the 462 visa, you must be between 18 and 30 years old, apply from outside of Australia, not be accompanied by dependent children and not have previously been on a 462 or 417 visa. You must also maintain adequate healthcare requirements while you are on this visa.

Second Work and Holiday Visa

In order to be eligible for the second 462 visa, you need to have completed at least three months of regional work while on your first work and holiday visa.

Third Work and Holiday Visa

In order to be eligible for a third year, you need to have completed six months of regional work during your second work and holiday visa. You are also eligible if you had a bridging visa that came into effect when your second 462 visa expired. It's also essential that you complied with all the conditions on your previous work and holiday visas in order to be eligible for a third.

The six months of work must all be carried out on or after 1 July 2019, meaning an application shouldn't be made until after January 2020 in order to be successful.

What work and study limitations are there on the 462 visa?

The 462 visa usually comes with a six-month work limitation. This means you can't work for the same employer for more than six months, though there are exceptions. For instance, you can work for the same employer for more than six months without asking permission in the following situations:

  • You work in different locations that doesn't exceed six months
  • You work in plant and animal cultivation
  • You work in specific industries in Northern Australia

You also cannot study for more than four months on this visa.

Healthcare in Australia: what you need to know

All Australians and permanent residents have access to Medicare, though the majority also have some form of private health insurance. Australia's Medicare system can be split into two sections: hospital and out-of-hospital services, also known as extras.

Medicare only covers some hospital expenses on a restricted basis, which basically means you'll have to pay something when you have to go to hospital. It also doesn't generally cover out-of-hospital expenses like dental, optical or physio.

How to get healthcare with an Australian visa

462 visa applicants probably won't be able to access Medicare through Australia's Reciprocal Health Care Agreements (RHCA). This is because the nationalities eligible for the 462 visa are not part of the RHCA agreement, apart from Slovenia. As a result, you'll need to find another way to meet healthcare requirements.

Your best option is to get overseas visitors health cover (OVHC). This is health insurance tailored specifically to non-residents, travellers and backpackers. Most policies will meet the healthcare requirements set out by the 462 visa, but you should check with the provider before signing up.

Picture: GettyImages

Written by

Gary Ross Hunter

Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full profile

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