If you're living internationally but planning to visit and work in Australia this year, it is important you understand your visa requirements, including your health insurance needs.
Certain visas – such as the 485 temporary graduate visa and the 457 temporary work visa – require adequate Australian health insurance to be held during the entire duration of an individual's stay in Australia.
485 visa holders
To be granted a 485 visa, individuals must already hold a student visa and have studied in Australia for at least two years. Additionally, competency in the English language is also required.
Students arriving in Australia for schooling must already hold comprehensive private health insurance. This cover must continue through graduation and be maintained during any time worked in this country.
The required health insurance cover must provide benefits for doctors' visits, medical care at some hospitals and restricted emergency treatments and medications.
Fortunately, a number of private health funds offer a range of products under the Overseas Students Health Cover program. These policies are all designed to meet the requirements of international students studying in Australia, but they may not cover all the needs of a 485 visa. It is therefore important for individuals graduating in Australia to review their requirements prior to applying for a specific policy.
Additionally, these products will not typically cover all treatments and services, which means if a student or graduate is affected by an ailment outside of the policy's benefits, the individuals will be required to pay for any treatment received out of their own pocket.
Students and graduates have the option to purchase further cover to protect themselves from these unexpected expenses, as there is no limit on the amount of health insurance an international visitor can take out.
457 health insurance requirements
Similarly to the student and graduate requirements, skilled workers entering Australia must hold adequate health insurance for the duration of their stay.
Condition 8501 of the subclass 457 visa also requires all incoming skilled workers to make health insurance arrangements for any accompanying family members.
This cover can be provided through a business health insurance plan provided by an employer or be sponsored by a relevant authority.
Visa holders who do not follow their health insurance requirements for the entire duration of their stay in Australia risk having their visa revoked and any subsequent visas denied.
To avoid this and learn more about health insurance for visitors to Australia, contact HICA today. HICA is a specialist health insurance broker who can offer a comprehensive health insurance comparison to ensure you choose the best cover for your needs and requirements.