Compare 482 Visa Health Insurance
The Skills In Demand Visa (subclass 482) allows Australian employers to sponsor skilled overseas workers when local labour is unavailable. Health insurance is a mandatory requirement for 482 visa holders to ensure access to medical care while in Australia.
Maintaining adequate health insurance is essential to comply with visa condition 8501, protect your health, and avoid visa cancellation.
WHY HEALTH INSURANCE MATTERS FOR 482 VISA HOLDERS
- Legal Compliance: Condition 8501 requires all 482 visa holders and family members to maintain adequate health coverage.
- Emergency Protection: Covers hospital treatments, GP visits, ambulance services, and prescription medications.
- Peace of Mind: Focus on work and settling in Australia without worrying about medical costs.
Family Coverage: Dependent family members must also be insured
HEALTH INSURANCE OPTIONS FOR 482 VISA HOLDERS
Australian registered health insurers offer a range of policies for 482 visa holders. Popular providers include:
| Provider | Policy Name | Coverage | Extras | Approx. Annual Cost* |
|---|---|---|---|---|
| Allianz Care | OVHC | Hospital, GP Visits, Emergency Ambulance | Optional Dental, Optical | AUD $650–$1,200 |
| Bupa | OVHC | Hospital, GP Visits | Pharmaceuticals, Mental Health | AUD $600–$1,100 |
| Medibank | OVHC | Hospital, GP Visits | Limited Dental | AUD $550–$1,000 |
| nib | OVHC | Hospital, GP Visits | Ambulance optional | AUD $500–$950 |
*Costs depend on age, policy type, duration, and number of insured family members.
COMPARISON FACTORS
When choosing health insurance for the 482 visa, consider:
-
Policy Coverage
- Hospital treatment, GP visits, and emergency ambulance
- Extras (dental, optical, physiotherapy, mental health support)
- Coverage for pre-existing conditions
- Duration & Flexibility
- Policies should cover the entire visa period
- Ability to extend if visa is renewed
- Compare premiums and included services
- Cheaper policies may have higher excess or fewer benefits
- Choose Australian registered insurers
- Check reviews and claims processing
- Ensure dependents are included if accompanying the main applicant
- Cost vs Benefits
- Provider Reputation
- Family Coverage
TIPS FOR CHOOSING 482 VISA HEALTH INSURANCE
- Verify 8501 compliance before purchasing
- Compare multiple policies using online tools
- Consider optional extras carefully — some may not be necessary
- Check renewal terms to avoid gaps in coverage
COMMON FREQUENTLY ASKED QUESTIONS:
Q1: Is health insurance mandatory for all 482 visa holders?
Yes, all primary applicants and accompanying family members must have adequate health insurance during the visa period.
Q2: Can I use the same insurance for multiple visa types?
Yes, but the policy must meet the requirements of each visa type.
Q3: Does health insurance cover dependents?
Yes, but dependents must be added to the policy explicitly.
Q4: Are pre-existing conditions covered?
Coverage depends on the policy. Always check terms and limits.
OFFICIAL REFERENCES
- Department of Home Affairs – Temporary Skill Shortage visa (482)
- Allianz Care Australia
- Bupa Australia
- Medibank Australia
- nib Australia
- AIA
This page provides a complete, legally safe guide for 482 visa health insurance with examples, cost ranges, and comparison tips.
WHY CHOOSE www.485visainsurance.com.au to compare 485 VISA INSURANCE?
At 485 Visa Insurance, we make it easy and affordable to find the right insurance for your 485 visa. No matter your situation, we’ll help you find the best policy.
Meet Your Visa Requirements
Not all OVHC insurance policies will satisfy your visa requirements, but we make things straightforward by offering a range of options that do. Simply compare the options and choose a policy that works for you.
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