Compare OVHC policies that meet the 8501 condition
The 8501 visa condition means you need to get health insurance before you come to Australia.
OVHC policies for the 8501 condition
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What is the 8501 visa condition?
This condition means you need to take out health insurance before coming to Australia. The Australian government's immigration website says that "you must have and maintain adequate health insurance for the whole of your stay in Australia" if you are subject to the 8501 visa condition.
Condition 8501 applies to a defined set of temporary visa subclasses, which are listed in the table below. It is not attached to most permanent visas.
What visas does the 8501 condition apply to?
| Visa Subclass | Visa Name |
|---|---|
| BVA 010 | Bridging Visa A |
| BVB 020 | Bridging Visa B |
| BVC 030 | Bridging Visa C |
| BVE 050 | Bridging Visa E |
| 403 | Temporary Work International Relations (m) |
| 405* | Investor Retirement (m) |
| 407 | Training (m) |
| 408 | Temporary work activity (d) |
| 410* | Retirement (d) |
| 417 | Working Holiday (d) |
| 461 | NZ Citizen Family Relationship (d) |
| 462 | Work and Holiday (d) |
| 482 | Skills in Demand (formerly Temporary Skill Shortage) (m) |
| 485 | Temporary Graduate – (Graduate work, Post study work, Replacement stream) (m) |
| 500 | Student (m) |
| 590 | Student Guardian (m) |
| 600² | Visitor (Tourist) (d) |
| 771 | Transit (d) |
| 870 | Sponsored Parent (m) |
Mandatory (m) conditions apply to the visa by operation of law at the time of visa grant.
Discretionary (d) conditions are imposed by the delegate as part of the decision to grant, once the visa is granted the condition(s) has been lawfully imposed and cannot be revisited with a view to removing the condition from the visa.
²Condition 8501 can only be imposed on a Visitor visa granted in certain streams or in certain circumstances.
*Visa subclasses closed to new applicants.
How can I meet the 8501 visa requirement?
You can meet the 8501 health insurance requirement by taking out Overseas Visitor Health Cover (OVHC). This is a type of health insurance designed specifically for visa holders coming to Australia.
The policies below all meet the 8501 condition. You can attach this to your visa application. The start date should be when you expect to arrive in Australia, so you won't start paying for your policy until then.
Do I need to get health insurance?
Reciprocal Health Care Agreement does not exempt you from condition 8501. If 8501 is attached to your visa you must take out and maintain adequate health insurance for your whole stay, even if you are from an RHCA country. RHCA cover only removes the need to show insurance where 8501 has not been imposed - and for Italy and Malta it is limited to six months. These countries are:
- Belgium
- Finland
- Italy
- Malta
- The Netherlands
- New Zealand
- Norway
- The Republic of Ireland
- Slovenia
- Sweden
- The United Kingdom
It's worth noting, RHCAs generally don't cover ambulance transportation, medical evacuation and some out of hospital services such as dental care – but many OVHC policies can.
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