TSS 482 Visa Health Insurance

Sort by:

Name	Product	Meets condition 8501	Hospital Cover	Dental	Pregnancy Cover	GP Visits	Medical Repatriation	Price
Frank Basic Workers Cover					Yes (Reduced benefits)		$10,000	From $64.50 per month	From $64.50 per month.	Get quote More Info	Compare	loading Fetching your data...
Medibank Overseas Workers Base Hospital								From $71 per month	From $71 per month.	Get quote More Info	Compare	loading Fetching your data...
Allianz Care Australia Budget Working Cover							$20,000	From $70.20 per month	From $70.20 per month.	Get quote More Info	Compare	loading Fetching your data...
Frank Minimum Working Visa Cover							$20,000	From $75 per month	From $75 per month.	Get quote More Info	Compare	loading Fetching your data...
Frank Mid Workers Cover							$20,000	From $100 per month	From $100 per month.	Get quote More Info	Compare	loading Fetching your data...
Medibank Overseas Workers Standard Hospital and Medical								From $104.50 per month	From $104.50 per month.	Get quote More Info	Compare	loading Fetching your data...
Allianz Care Australia Standard Working Cover							$20,000	From $103.50 per month	From $103.50 per month.	Get quote More Info	Compare	loading Fetching your data...
Frank Mid Workers Plus Bundle							$20,000	From $125 per month	From $125 per month.	Get quote More Info	Compare	loading Fetching your data...
Allianz Care Australia Mid Working Cover							$20,000	From $151.80 per month	From $151.80 per month.	Get quote More Info	Compare	loading Fetching your data...
Medibank Overseas Workers Advanced Hospital and Medical								From $332.50 per month	From $332.50 per month.	Get quote More Info	Compare	loading Fetching your data...
Allianz Care Australia Top Working Cover							$20,000	From $285.20 per month	From $285.20 per month.	Get quote More Info	Compare	loading Fetching your data...
Medibank Overseas Workers Premium Hospital, Medical and Extras								From $349.00 per month	From $349.00 per month.	Get quote More Info	Compare	loading Fetching your data...

loading

Compare up to 4 providers

Clear selection

Compare

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.

What is the 482 visa health requirement?

Overseas Visitors Health Cover is a type of health insurance designed for people who come to work in Australia on a temporary basis. Its aim is to ensure you have access to adequate health cover while they are here as you aren't generally eligible for Medicare. You must have started your cover from your first day in Australia.

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.

All the OVHC policies above do that. They'll also send you a certificate to put with your visa application that proves you have health insurance in place.

How does 482 Visa health insurance work for families and couples?

If other members of your family are coming over on the 482 visa as well, 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 requirement.

What does 482 health insurance cover?

A basic Overseas Visitor Health Cover policy will pay benefits towards the following:

Hospital treatment, accommodation, operating theatre costs and prosthesis fees

Doctor, surgeon and specialist fees

Emergency ambulance transportation fees

Prescriptions and General Practitioner (GP) consultations

Did you know?

OVHC can also cover out-of-hospital services like dental, physio and chiro if you add extras cover to your policy.

What doesn't OVHC cover?

As with most private health insurance, there are certain service and treatment exclusions that OVHC will not cover, including:

Are there any waiting periods?

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:

• 2 months. Psychiatric, rehabilitation and palliative care
• 12 months. Pregnancy-related conditions
• 12 months. Pre-existing conditions.

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).

Can I get Medicare on a 482 Visa?

Yes, some visitors on a 482 visa from countries which have a Reciprocal Health Care Agreement (RHCA) with Australia are exempt from the need for OVHC because they're eligible to receive subsidised health care treatment. This is called Medicare.

Australia has agreements in place with the United Kingdom, the Republic of Ireland, New Zealand, Sweden, The Netherlands, Finland, Belgium, Norway, Slovenia, Malta and Italy:

If you're visiting from any of these countries on a TSS visa, you should enrol for Medicare when you arrive in Australia.

How to compare OVHC policies

When comparing OVHC policies from various insurance providers, it pays to keep the following in mind:

• Read the PDS carefully to understand what is and isn't covered and the level of benefits provided.
• Buy the highest level of cover you can afford to reduce the amount of out-of-pocket expenses you would have to pay for medical treatment (the gap between the treatment fee and what is covered by your insurer).
• Consider including Extras cover so you have cover for ancillary benefits such as dental, optical, chiropractic and physiotherapy if you need them during your stay in Australia.
• Make sure the cover being offered is fully compliant with TSS visa requirements.

Compare TSS visa insurance from participating health funds

FAQs about the 482 visa

• Who is eligible for the 482 visa?

  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.

• What are the restrictions on this visa?

  • This visa is valid for 1 to 2 years and can only be renewed whilst you are in Australia.
  • You must have two years work experience in a related field and evidence to prove this.
  • Applicants must show that they are Genuine Temporary Entrants – that means, you must show you have no intention of staying in Australia permanently.

• What's new with TSS (482 visa)?

  A number of conditions have changed for the TSS Visa. Some of the eligibility criteria changes include:

  • Labour market testing (LMT) is mandatory with no exceptions
  • Employers must pay the minimum market salary rate
  • Police checks are mandatory
  • A non-discriminatory workforce test has been introduced
  • Applicants must have at least two years of relevant work experience
  • The overall list of eligible occupations has been reduced by 216

  • Employers in regional Australia will have access to a wider range of occupations
  • Higher standards of English proficiency are required
  • There is a maximum age limit of 45 at the time of application
  • Visa application charges will increase for both short and medium term streams
  • Companies will be required to pay an annual foreign worker levy to fund homegrown training and recruitment

• When do I need to apply for OVHC?

  You need to take out OVHC before you can receive your TSS 482 visa. Once you've found suitable cover, you'll 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.