Get up to 6 weeks free when you join any new working visa cover
Offer applies to new customers signing up for Allianz OVHC Working Cover. T&C applies
If you're applying for a 482 Visa, you'll probably need Overseas Visitors Health Cover (OVHC) for the whole time you're in Australia. This health insurance should help protect you from big bills should you need the hospital.
Anyone who possesses a skill that cannot be met by an Australian. In other words, this visa allows employers to bring in skilled workers from overseas when the role cannot be filled by an Australian.
This visa comes under the short-term stream classification which means that anyone on this visa can stay in the country up to 2 years (or 4, if an international trade obligation applies). You must be sponsored by an approved business but you can be in or outside Australia when you lodge your application.
This is a mandatory requirement for anyone on a 482 visa. That means if other members of your family are coming over on the same visa, everyone is required to have OVHC. Most insurers offer singles, couples and family policies so that you can all be covered under the same policy.
It’s really important that you make sure you get adequate health insurance on this visa, as without it, your visa won’t be approved; it’s part of the 8501 requirements.
A number of conditions have changed for the TSS Visa. Some of the eligibility criteria changes include:
Overseas Visitors Health Cover is health insurance designed for those who come to work in Australia on a temporary basis. Its aim is to ensure they have access to adequate health cover while they are here, as they are not eligible for Medicare.
Without the protection of OVHC, they would be unable to access hospital or medical treatment without being liable for huge out of pocket costs.
In order to comply with the TSS 482 visa (previously the 457 visa), OVHC must be at least equivalent to public hospital cover and include cover for theatre, intensive care, labour ward, ward drugs and emergency department costs. It must also cover day surgery accommodation and treatment, some surgically implanted prosthetics, ambulance transport, PBS listed medications and MBS listed medical services.
The OVHC must not only cover the TSS visa holder, but any members of their family who accompany them to Australia and cover must remain in place for the duration of their stay. You must have started your cover from your first day in Australia - you'll often need a certificate to put with your visa application that proves you have this in place.
As with most private health insurance, there are certain service and treatment exclusions that OVHC will not cover, including:
A good way to find a health fund that provides OVHC insurance is to search online or visit a comparison site such as finder.com.au. You should compare the benefits offered by at least three different policies to ensure you are getting the best deal and read the product disclosure statement (PDS) carefully to make sure you fully understand the terms and conditions.
You must purchase OVHC before you can receive your TSS visa. Once you have found suitable cover, you will need to provide the Department of Immigration and Border Protection (DIBP) with a letter from your chosen health fund or your employer in Australia confirming that you have met this requirement. They can provide this for you as soon as you sign up.
Some waiting periods will apply to your OVHC cover. These are periods of time you must serve before benefits will be payable on your policy and they normally include:
A pre-existing condition is any condition that you had symptoms of in the 6 months prior to your arrival in Australia or prior to your visa being granted (whichever occurred later).
For a 482 Visa, Visitors from countries which have a Reciprocal Health Care Agreement (RHCA) with Australia are exempt from the need for OVHC because they are eligible to receive subsidised health care treatment. This is called Medicare.
Australia has agreements in place with the following countries:
If you are visiting from any of these countries on a TSS visa, you should enrol for Medicare when you arrive in Australia.
However, RHCAs do not cover ambulance transportation, dental care, elective surgery, medical evacuation, private patient treatment in a private or public hospital or any treatment that is not immediately necessary. So visitors from RHCA countries might be wise to consider taking out OVHC as well.
When comparing OVHC policies from various insurance providers, it pays to keep the following in mind:
finder.com.au is one of Australia's leading comparison websites. We compare from a wide set of major banks, insurers and product issuers.
finder.com.au has access to track details from the product issuers listed on our sites. Although we provide information on the products offered by a wide range of issuers, we don't cover every available product. You should consider whether the products featured on our site are appropriate for your needs and seek independent advice if you have any questions.
Products marked as 'Promoted' or "Advertisement" are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options and find the best option for you.
The identification of a group of products, as 'Top' or 'Best' is a reflection of user preferences based on current website data. On a regular basis, analytics drive the creation of a list of popular products. Where these products are grouped, they appear in no particular order.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment.
We try to take an open and transparent approach and provide a broad based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labelling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.