Overseas Visitor Health Cover (OVHC) for Temporary Skill Shortage (subclass 482) visa holders is designed to help you access medical services, hospital care, and emergency treatment while working in Australia.

Before purchasing 482 visa health insurance, it’s important to understand coverage, exclusions, and key considerations to ensure you are protected throughout your stay.

Understanding Your Healthcare Needs

While working in Australia, maintaining good health is essential:

• Routine check-ups and prescriptions: If you have ongoing conditions such as asthma, diabetes, or mental health concerns, ensure these are covered.
• Hospital care: OVHC provides protection for in-hospital treatment, including emergencies.
• Specialist services: Some treatments, like dental, optical, or physiotherapy, may not be included in standard OVHC plans. You may need to pay out-of-pocket.

Tip: Compare providers and policies to ensure your coverage meets your personal health requirements.

Budget and Cost Considerations

The cost of 482 visa health insurance depends on:

• Length of your visa
• Level of coverage (basic, medium, comprehensive)
• Insurance provider

Choosing the cheapest plan may leave you underprotected. Ensure the plan covers your essential medical needs to avoid costly out-of-pocket expenses.

• Check coverage for pre-existing conditions and any waiting periods.
• Balance affordability with sufficient coverage for medical emergencies.

Duration of Coverage

Your 482 visa health insurance should cover:

• The entire duration of your 482 visa.
• Any extensions if your visa is renewed or converted.

Tip: Align your policy start and end dates with your visa to avoid coverage gaps.

Exclusions and Limitations

Policies may include:

• Exclusions: Services not covered (e.g., elective surgery, dental, optical).
• Limitations: Services only partially covered or with maximum limits per treatment or per year.

Always read the policy terms carefully to know exactly what is included and what isn’t.

Customer Support and Assistance

Good customer support is crucial, especially if English is not your first language:

• Look for providers with 24/7 support and multilingual assistance.
• Check reviews to see how providers handle claims and emergencies.
• Ensure the claims process is simple and efficient.

Renewal and Policy Extensions

Renewing your 482 visa health insurance is simple:

• You can stay with the same provider or compare other plans.
• Track your policy expiry date and renew early.
• Some insurers may offer a grace period (up to 30 days), but it’s best to renew on time.

By understanding your health needs, checking exclusions, and aligning your coverage with your visa duration, you can stay fully protected while working in Australia on a 482 visa.

Comparison Tip:

If you’re looking at other visa health insurance options:

• Working visa health insurance for visa subclasses 485, 482, 417, 462, 408, and more can be compared at www.485visainsurance.com.au
• Visitor visa health insurance for visa subclass 600 can be compared at www.600visainsurance.com.au