Overseas Visitor Health Cover (OVHC) for Temporary Activity (subclass 408) visa holders is designed to help you access medical services, hospital care, and emergency treatment while participating in activities, programs, or work in Australia.

Before purchasing your 408 visa health insurance, it’s important to understand coverage, exclusions, and key considerations to ensure you are fully protected during your stay.

Understanding Your Healthcare Needs

While in Australia on a 408 visa, 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 coverage meets your personal health requirements.

Budget and Cost Considerations

The cost of 408 visa health insurance depends on:

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

 Don’t automatically choose the cheapest plan. Lower premiums may exclude essential services, potentially leading to high out-of-pocket costs if you need medical care.

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

Duration of Coverage

Your 408 visa health insurance should cover:

• The entire duration of your Temporary Activity visa.
• Any extensions if your visa is prolonged.

 Tip: Make sure your policy start and end dates align with your visa validity to avoid gaps in coverage.

Exclusions and Limitations

Policies may include:

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

 Carefully read the policy fine print to know exactly what is included and excluded.

Customer Support and Assistance

Good customer service is essential, particularly if English is not your first language:

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

Renewal and Policy Extensions

Renewing 408 visa health insurance is straightforward:

• You can renew with the same provider or compare other plans.
• Keep track of your policy expiry date and renew early.
• Some providers may offer a grace period (up to 30 days), but renewing on time is safest.

 By understanding your health needs, checking exclusions, and aligning your coverage with your visa duration, you can ensure peace of mind while participating in activities or work in Australia.

 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