Hope You’re Covered! Health Insurance Requirement For 457 Visa Holders

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As a 457 visa holder, you are required to hold adequate health insurance cover or Medicare subscription (under Australia’s reciprocal health care agreement) for the duration of your stay in Australia. This requirement also applies to your family members who hold dependent 457 visas. This is a condition on your visa (Condition 8501) and you are obligated to ensure that you comply with this condition.

When you lodge your 457 visa application, you will need to provide DIAC with evidence of your health insurance coverage or Medicare subscription.

If you’re complying with this condition by obtaining adequate health insurance, then you need to ensure that your insurance policy covers you for the duration your stay in Australia as a 457 visa holder. Furthermore, all items listed in Attachment A must be covered under your policy.

 

If you breach this condition by not having adequate health insurance cover or Medicare subscription, then this can be a basis for DIAC to cancel your visa.

 

Irish passport holders

 

If you hold a passport from the Republic of Ireland, then you are automatically entitled to Medicare under the Australia’s reciprocal health care agreement. This will provide you with sufficient health coverage and you won’t need to obtain health insurance (or submit evidence of health insurance coverage with your application). Providing a copy of your passport is sufficient evidence of your Medicare entitlements.

 

Reciprocal health care agreement & Travel insurance

 

If you hold a passport from a country that has a reciprocal health care agreement with Australia (United Kingdom, Sweden, Finland, Norway, the Netherlands, Belgium, Slovenia, Malta and Italy), then you are entitled to enrol with Medicare. Once you have obtained Medicare subscription, the coverage under this will be sufficient to satisfy your obligations under Condition 8501.

 

The issue is that you can only enrol with Medicare once you have arrived in Australia. You need to attend a Department of Human Services office to enrol with Medicare. Because you need to have sufficient health insurance coverage for the duration of your stay in Australia as a 457 visa holder, you still need some type of insurance to cover the period between your arrival and when you enrol with Medicare. Typically, DIAC will accept evidence of travel insurance to cover this period. However, you need to ensure that your travel insurance provides with your sufficient coverage (i.e. all items in Attachment A are covered).

 

Note: For Italian and Maltese passport holders, you are only eligible for a reciprocal Medicare card for the first six months of your stay in Australia. Even if you are enrolled with Medicare, you will need to make adequate arrangements for health insurance once you cease to be eligible for a reciprocal Medicare card.

 

Insurance provided by an overseas provider

 

Remember, the obligation is on you to ensure that the insurance that you hold is sufficient.

 

If you already have insurance with an overseas insurance provider, you can contact them and ask whether your policy will cover you during your time in Australia and whether all items listed in Attachment A are covered.

 

In my experience, most overseas insurance providers either don’t know or can’t confirm for certain whether your insurance policy is sufficient.

 

Purchasing insurance with an Australian insurance provider

 

If you want to be safe, you can purchase insurance from an Australian insurance provider. Most large health insurance providers have specific plans for 457 visa holders (and accompanying dependents).

 

I do not have any association with the below listed companies, and I will not receive any commission if you decide to purchase insurance from them. The below list is just a starting point for those that need to purchase insurance.

 

A comparison site that lists all the 457 visa health funds can be viewed at: www.457visacompared.com.au 

 

This comparison site allows users to compare 457 visa health insurance policies for individuals, couples and families:

 

Singles 457 Visa Health Insurance Policies

Couples 457 Visa Health Insurance Policies

Family 457 Visa Health Insurance Policies

 


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ayu

Hi Peng, I have apply 186 visa, and received bridging visa. but because I still have 457 for 4 years and 2 years remaining the bridging visa is not effect my current 457. my question is, I already have temporary medicare (valid for 1 year), can I cancel my current private insurance (cover 457 visa)? thanks

Loren

Hi Ayu, I have the same question. Did you get a reply about it? Can we cancel the current private insurance (457 cover) or at least just have the extras insurance?

Wendy

Hi Peng,

I am currently applying for visa 457 as the primary applicant, my husband as dependent. The company hiring me told me that proof of health insurance is needed for both me and my spouse. However my husband will not join me in aus until one year later so I think it doesn’t make sense to pay for his insurance while he is not in aus.
Then again, I’m afraid that the visa might get rejected if I dont buy insurance for my husband at the time of application.
Any idea on this? Thanks very much!

ankush

Hi,
I am on 457 visa and have recently changed employer my new employer provides medical insurance so can i cancel my private health insurance ?

Sis

Hi Pheng. I am currently applying for 457 visa as a primary applicant , my husband n my son are under dependent visa. I read the reciprocal health agreement in this section. My husband holds a British Paspor. Does it mean he can apply for medicare while I and my son who hold Indonesian paspor will be covered by private 457 insurance ? Thanks for your help.
Sis

Sukhman

Hi Peng
I’m on 457 visa since 2014 and was not covered by any health insurance for 4 months in 2 years time is that going to effect my visa or ENS.

Harry

Hi I’m on 457 visa and I applied for ens186 and I have got Medicare now so still I have to pay for my health insurance for 457 visa or I can stop that
Regards
Harry

Jip

When applying for a 457, while holding a Dutch passport (but migrating and so living in Australia) is your entitlement to medicare depending on a european health insurrance card? I read something like that on the government site, but it might be only applicable to visitors, not people who actually migrate. Can you confirm?

Thanks
Jip

Jingle madriaga

Hi Peng,
I have applied for 186 visa and waiting for the approval. I enrolled for the Medicare Heath cover and I already received my
interim card. Do you think I still need to continue my private health insurance ?
I am worried that my application would be Affected if I will stop paying my private health cover .
Could you please advise me.
Thank you and God Bless

Regards,
Jingle

Goldy

Hi Peng,

I have applied for 187 RSMS this month and granted a bridging visa (was on 457). Do you think I can apply for Medicare? if not, Do I have to keep my 457 health insurance?

Thanks

Alexhyden

Hi Peng,
Im intending to apply for 457 visa but the condition is no Debt to Government.But recent i have a credit card debt to the finance Company.This company entered to the court and i have a court Judgement to order me to pay the amount i owed.However after I have a court judgement then I have an arrangement to repayment and still paying off.Does this debt is Commonwealth debt ? and it will effect my application 457?
please give me an answer?Thank you very much!
Alex Hyden

bernie

hi peng, just want to ask if I cancel my family health insurance to single health insurance but I have a 457 dependent family visa but they are still not staying with me here in Australia, can it affect my permanent residency requirements when I apply for it?

Ben

Hi PC
I’m currently working in Australia with 457 visa. If I wish to change my health insurance service provider, am I required to inform DIAC about the change and provide them with a new confirmation letter of health cover?
Thank you.
Ben

Peng Cheng

Hi Ben,
You can change without informing the Department.
PC

Phil

Hi,

me and my girlfriend are in Sydney currently on a 417 visa but applying for our 457, we are both from N.Ireland but I have a UK passport and my girlfriend has a irish passport, im getting my medicare put through at the moment, I just enrolled for it but will my girlfriend have to get medicare if she is going under my 457? I see irish passport holders have trouble getting medicare, is there any way around this?

thanks

Peng Cheng

Hi Phil,
For the purpose of the 457 visa, a copy of your medicare care is sufficient for the health insurance requirement. For Irish passport holders, they don’t need to provide anything further for insurance other than a copy of their passport.
PC

Michael

Hi Peng,

I live in the Hurstville area after I moved over to Australia. I was really happy you provided the name of a good Chiropractor. Fort Healthcare Hurstville was very professional and their staff were highly skilled. They also do Massage and Physiotherapy. Thumbs up for Fort Healthcare best Chiropractors in Sydney! And to you too, My Access Australia, keep up the good work, thank you for your advice.

Michael.

Vishal

Hi

I have a question.

I am on 457 visa and my wife is on dependent 457 visa. Her visa states only one condition i.e Health Insurance.

Now, my wife has left Australia as she has got job in Malaysia for an year. So i got her excluded from the medical insurance.

She is now visiting me for 5 days. Does she need to have medical insurance for those 5 days?

Peng Cheng

Hi Vishal,
Yes technically she needs adequate health insurance for those days.
PC

vishal

thanks for your reply.

ok fine we will get insurance for those 5 days. Will travel insurance that include health cover work?

Peng Cheng

You’ll need to ask your travel insurance company to determine whether the policy is sufficient: http://www.immi.gov.au/skilled/457-health-insurance-faq-visa-holder.htm

Phil

Hi,

I’m currently on a student visa which expires 30/7/2013, My OSHC is valid until then, I have submitted my 457 visa would I need to take out extra insurance in-case the visa is not granted before 30/7/2013?

Thanks

Peng Cheng

Hi Phil,
Your CO will likely ask you for evidence of health insurance for a 457 visa holder.
PC

Maucir

I am a 457 visa holder, applying for a 186 visa. When I get the 186 visa, therefore becoming a PR, am I still required to keep a 457 health insurance? Or can I just get a normal health insurance?

Peng Cheng

Permanent residents are not required to hold any kind of health insurance.

Great advice here.

I actually constructed a few tables to compare those 457 visa health insurance firms based on price point and value.
http://www.457visacompared.com.au/457-visa-health-insurance/

Justin

DD

Hello Peng

Could you please tell me what happens if you get injured before taking up your nomination under a 457? I have hurt my back and need time to recover. Is the employer obliged to wait until I’m able to travel again, or can they seek to have the visa revoked?

DD

Peng Cheng

Hi DD,
That is a matter for you and your employer to discuss – there is not requirement under migration law for your employer to wait for you to recover.
PC

Flaco Chascon

Can you provide a source reference for the following quote: “If you hold a passport from the Republic of Ireland, then you are automatically entitled to Medicare under the Australia’s reciprocal health care agreement. This will provide you with sufficient health coverage and you won’t need to obtain health insurance (or submit evidence of health insurance coverage with your application).” It is my understanding that everyone needs to submit evidence of health insurance – regardless of nationality. Can you please point us to any government, or other official source which states that Irish citizens do not need to provide evidence… Read more »

Peng Cheng

Hi Flaco,
See: http://www.immi.gov.au/skilled/457-health-insurance-faq-visa-holder.htm
‘Being enrolled with Medicare under reciprocal health care arrangements is sufficient to meet the health insurance requirement at visa grant and to comply with visa condition 8501’
You can call the Department of Human Services general enquiry line on 132 290 and they should confirm that Irish passport holders are automatically covered.
Thanks
PC