Compare 408 Visa Health Insurance
COMPARE 408 VISA HEALTH INSURANCE (TEMPORARY ACTIVITY VISA – SUBCLASS 408)
The Temporary Activity Visa (subclass 408) allows individuals to come to Australia to participate in specific programs, including entertainment activities, sports events, research, religious work, volunteer work, and Government-endorsed events.
Health insurance is mandatory for 408 visa holders because the visa generally includes condition 8501, requiring you to maintain adequate health cover during your entire stay in Australia.
Maintaining compliant OVHC ensures that you are protected against unexpected medical expenses and remain fully compliant with visa requirements.
WHY HEALTH INSURANCE IS REQUIRED FOR A 408 VISA
Mandatory Under Visa Condition 8501
Most 408 visa streams require sufficient health insurance at all times.
Medical Emergencies
Covers emergency hospital visits, surgeries, ambulance services, and intensive care.
GP & Outpatient Services
Helpful for routine check-ups, medications, and general illnesses while participating in programs.
Work-Related Accidents or Injuries
Important because many 408 programs involve specialised work, performances, or volunteer activities.
Peace of Mind
Healthcare in Australia is expensive—insurance protects you from sudden financial burdens.
TOP HEALTH INSURANCE OPTIONS FOR 408 VISA HOLDERS
Most 408 applicants buy Overseas Visitor Health Cover (OVHC) to meet the visa’s 8501 condition.
Below is a comparison of the major Australian insurers offering 408-compliant policies.
Provider
Policy Name
Coverage
Extras
Approx. Annual Cost*
Allianz Care
OVHC
Hospital, GP visits, Emergency ambulance
Optional dental, optical
AUD $500–$1,050
Bupa
OVHC
Hospital, GP, Pharmaceuticals
Mental health, limited extras
AUD $480–$1,000
Medibank
OVHC
Hospital, GP visits, Ambulance
Limited extras
AUD $450–$950
nib
OVHC
Hospital, GP visits
Ambulance included, optional extras
AUD $420–$900
*Prices vary based on age, visa length, and specific inclusions.
KEY CONSIDERATIONS WHEN CHOOSING 408 HEALTH INSURANCE
1. Coverage Requirements
Ensure your policy includes:
-
Hospital cover (emergency & planned admissions)
-
GP and outpatient care
-
Ambulance services
-
Pharmaceuticals
-
Day surgery and specialist visits
2. Pre-existing Conditions
Insurers usually apply a 12-month waiting period for pre-existing medical conditions except for emergency care.
3. Visa Duration
Your OVHC must match your entire 408 visa period.
If your program is extended, your policy must be extended too.
4. Cost vs Benefits
Cheaper policies may cover only essentials.
Check for:
-
Hospital exclusions
-
Co-payments
-
Waiting periods
-
Pharmaceutical limits
5. Provider Reliability
Look for:
-
Access to large hospital networks
-
24/7 support
-
Easy online claims
-
Fast certificate issuance
TIPS FOR 408 VISA HEALTH INSURANCE
-
OVHC is compulsory for most 408 visa streams—don’t lodge without meeting condition 8501.
-
Choose providers that issue the certificate instantly (needed for the visa application).
-
If you are part of a sports, entertainment, or performance program, check whether the activities are covered.
-
Some 408 visa holders travel frequently—ensure your policy covers Australia-wide treatment.
-
Renew or extend your OVHC if your 408 program continues longer than expected.
FREQUENTLY ASKED QUESTIONS (FAQ)
Q1: Is health insurance mandatory for the 408 visa?
Yes. Condition 8501 typically applies to all 408 visa streams.
Q2: Can I use 482/485 insurance for a 408 visa?
Yes, if the policy meets 8501 and covers your full stay in Australia.
Q3: Are pre-existing medical conditions covered?
Usually after a 12-month waiting period, except for life-threatening emergencies.
Q4: Does OVHC cover injuries during entertainment or sports activities?
Most insurers cover medically necessary treatment, but exclusions may apply—check your policy carefully.
Q5: Can dependents be included on the policy?
Yes, couple and family policies are available.
OFFICIAL REFERENCES
-
Department of Home Affairs – Subclass 408 Visa
-
Allianz Care Australia
-
Bupa OVHC
-
Medibank OVHC
-
nib OVHC
WHY CHOOSE www.485visainsurance.com.au TO COMPARE 408 VISA INSURANCE?
Compliant With Visa Condition 8501
We offer access to OVHC policies designed to meet 408 visa insurance requirements.
Instant Insurance Certificate
Perfect for visa lodgement, bridging visa grant, or evidence requests.
Multilingual Support
Our team can assist you in English, Hindi, and Punjabi for easier guidance.
The Temporary Activity Visa (subclass 408) allows individuals to come to Australia to participate in specific programs, including entertainment activities, sports events, research, religious work, volunteer work, and Government-endorsed events.
Health insurance is mandatory for 408 visa holders because the visa generally includes condition 8501, requiring you to maintain adequate health cover during your entire stay in Australia.
Maintaining compliant OVHC ensures that you are protected against unexpected medical expenses and remain fully compliant with visa requirements.
WHY HEALTH INSURANCE IS REQUIRED FOR A 408 VISA
Mandatory Under Visa Condition 8501
Most 408 visa streams require sufficient health insurance at all times.
Medical Emergencies
Covers emergency hospital visits, surgeries, ambulance services, and intensive care.
GP & Outpatient Services
Helpful for routine check-ups, medications, and general illnesses while participating in programs.
Work-Related Accidents or Injuries
Important because many 408 programs involve specialised work, performances, or volunteer activities.
Peace of Mind
Healthcare in Australia is expensive—insurance protects you from sudden financial burdens.
TOP HEALTH INSURANCE OPTIONS FOR 408 VISA HOLDERS
Most 408 applicants buy Overseas Visitor Health Cover (OVHC) to meet the visa’s 8501 condition.
Below is a comparison of the major Australian insurers offering 408-compliant policies.
|
Provider |
Policy Name |
Coverage |
Extras |
Approx. Annual Cost* |
|---|---|---|---|---|
|
Allianz Care |
OVHC |
Hospital, GP visits, Emergency ambulance |
Optional dental, optical |
AUD $500–$1,050 |
|
Bupa |
OVHC |
Hospital, GP, Pharmaceuticals |
Mental health, limited extras |
AUD $480–$1,000 |
|
Medibank |
OVHC |
Hospital, GP visits, Ambulance |
Limited extras |
AUD $450–$950 |
|
nib |
OVHC |
Hospital, GP visits |
Ambulance included, optional extras |
AUD $420–$900 |
*Prices vary based on age, visa length, and specific inclusions.
KEY CONSIDERATIONS WHEN CHOOSING 408 HEALTH INSURANCE
1. Coverage Requirements
Ensure your policy includes:
- Hospital cover (emergency & planned admissions)
- GP and outpatient care
- Ambulance services
- Pharmaceuticals
- Day surgery and specialist visits
2. Pre-existing Conditions
Insurers usually apply a 12-month waiting period for pre-existing medical conditions except for emergency care.
3. Visa Duration
Your OVHC must match your entire 408 visa period.
If your program is extended, your policy must be extended too.
4. Cost vs Benefits
Cheaper policies may cover only essentials.
Check for:
- Hospital exclusions
- Co-payments
- Waiting periods
- Pharmaceutical limits
5. Provider Reliability
Look for:
- Access to large hospital networks
- 24/7 support
- Easy online claims
- Fast certificate issuance
TIPS FOR 408 VISA HEALTH INSURANCE
- OVHC is compulsory for most 408 visa streams—don’t lodge without meeting condition 8501.
- Choose providers that issue the certificate instantly (needed for the visa application).
- If you are part of a sports, entertainment, or performance program, check whether the activities are covered.
- Some 408 visa holders travel frequently—ensure your policy covers Australia-wide treatment.
- Renew or extend your OVHC if your 408 program continues longer than expected.
FREQUENTLY ASKED QUESTIONS (FAQ)
Q1: Is health insurance mandatory for the 408 visa?
Yes. Condition 8501 typically applies to all 408 visa streams.
Q2: Can I use 482/485 insurance for a 408 visa?
Yes, if the policy meets 8501 and covers your full stay in Australia.
Q3: Are pre-existing medical conditions covered?
Usually after a 12-month waiting period, except for life-threatening emergencies.
Q4: Does OVHC cover injuries during entertainment or sports activities?
Most insurers cover medically necessary treatment, but exclusions may apply—check your policy carefully.
Q5: Can dependents be included on the policy?
Yes, couple and family policies are available.
OFFICIAL REFERENCES
- Department of Home Affairs – Subclass 408 Visa
- Allianz Care Australia
- Bupa OVHC
- Medibank OVHC
- nib OVHC
WHY CHOOSE www.485visainsurance.com.au TO COMPARE 408 VISA INSURANCE?
Compliant With Visa Condition 8501
We offer access to OVHC policies designed to meet 408 visa insurance requirements.
Instant Insurance Certificate
Perfect for visa lodgement, bridging visa grant, or evidence requests.
Multilingual Support
Our team can assist you in English, Hindi, and Punjabi for easier guidance.