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Although Australia has a Medicare system to provide universal healthcare for residents, visitors are not always eligible to have hospital expenses or medical treatment costs paid for by the government. This means if you come to Australia without insurance, you could be at risk of huge out-of-pocket expenditures if you get sick or injured. While short-term travellers may look into optional travel insurance from their own insurer in their home countries, those who plan to stay in Australia longer will need to explore their options for overseas visitor health coverage.
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When you apply for certain types of visas to enter and live in Australia, you will be required to purchase health insurance coverage as a condition of your visa application being granted. Those who are required to take out insurance include:
Obtaining insurance is required for a Visa application to be approved and must be maintained for the duration of the time you remain in Australia on your visa.
There are certain situations in which the purchase of overseas health insurance is not required for individuals obtaining a student visa, a 457 visa or a 485 visa. For example:
While you may be covered by Medicare through reciprocity, you should be aware there are significant limitations on coverage. You may have to pay costly out-of-pocket expenditures if you do not purchase supplemental private insurance.
Overseas students are required to take out Overseas Student Health Cover (OSHC). Anyone who has a student visa; is applying for a student visa; holds a bridging visa; or was a student visa holder immediately before holding a bridging visa is required to purchase this coverage.
OSHC can be purchased online or through your educational institution. You have the right to choose the provider for your coverage. However, the policy must provide coverage for:
It is important to realize that this is minimum coverage. You can purchase supplementary private policies in addition to OSHC coverage. Buying private insurance is advisable to reduce the risk of significant expenditures due to limits on OSHC coverage.
457 Visa Holders must purchase an insurance policy that provides coverage for themselves and for their families. The minimum coverage requirements include coverage for:
As long as the minimum coverage requirements are met, the required 457 visa insurance can be purchased from any private insurer that doesn’t impose waiting periods greater than 12 months for pre-existing conditions and that makes membership eligibly information available to allow for informed financial consent.
485 Visa Holders must have the same types of minimum coverage as 457 Visa holders.
When you have purchased a qualifying insurance policy that is 457-Visa compliant or 485-Visa compliant, your insurer will provide you with a letter confirming you have the minimum acceptable levels of coverage. This letter must be included when you submit your visa application to Immigration.
Students submitting an application for a student via must provide proof of an OSHC payment or other proof of insurance. A receipt submitted with your visa application is sufficient. The OSHC coverage will begin upon arrival in Australia.
Purchasing and maintaining minimum coverage is required to maintain lawful immigration status while on a student visa, a 485 visa or a 457 visa. However, you may wish to purchase more than the minimums.
Many medical providers charge fees higher than the Medicare Benefits Schedule. You could be forced to pay these costs if you do not have supplementary coverage. If you want treatment at a private hospital, non-hospital treatment, or any drugs or services not covered, you will also need to pay out-of-pocket. Even a minor injury or mishap can leave you with huge medical costs that are difficult to pay on a student budget or while living abroad.
Private health insurance can provide additional hospital coverage as well as coverage for extras. You should shop around carefully for a policy to determine the types of services you want your insurer to pay for related to both routine medical care and an emergency situation. With minimum coverage required for your visa plus supplementary coverage, you can enjoy your time in Australia without worrying about incurring medical bills that could bankrupt you.
Confused? Not sure if this applies to your situation? Phone us on 1300 163 402 for some free, no obligation advice.
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