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

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

IMAN Health Funds offers a wide range of competitively priced health insurance policies that are appropriate for 457 visa applicants (as well as other foreign nationals who need to maintain health insurance coverage while in Australia): www.austhealth.com

IMAN Australia Health Funds is owned by NIB health funds with over 900,000 customers.

Their budget 457 visa singles policy starts at $79.99 (the lowest price for 457 visa compliance health cover).

If your 457 visa was granted before 14 September 2009

The health insurance requirement for 457 visa holders changed on 14 September 2009. If your 457 visa was granted before 14 September 2009, then your sponsoring employer is obligated to cover the cost of your health and medical treatment that arises out of treatment that you receive in an Australian public hospital. However, you are required to cover other health costs that you incur.

There is no condition on your visa which requires you to have adequate health insurance coverage or Medicare subscription.

Professional Assistance

Need assistance with an Australian migration law matter? Please contact me if you require professional assistance.

See the feedback that we have received from our clients.

If you ever never need chiropractic service in the Sydney area, Fort Healthcare is located: Level 5, Suite 152, 10 Park Rd, Hurstville, NSW, 2220

26 thoughts on “Hope You’re Covered! Health Insurance Requirement For 457 Visa Holders

  1. 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 of health insurance for a 457 visa application?
    Regards,
    Flaco

    Reply
    1. Peng Cheng Post author

      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

      Reply
  2. 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

    Reply
    1. Peng Cheng Post author

      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

      Reply
  3. 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?

    Reply
  4. 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

    Reply
    1. Peng Cheng Post author

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

      Reply
  5. 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?

    Reply
      1. vishal

        thanks for your reply.

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

        Reply
  6. 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.

    Reply
  7. 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

    Reply
    1. Peng Cheng Post author

      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

      Reply
  8. 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

    Reply
  9. 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?

    Reply
  10. 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

    Reply
    1. Peng Cheng Post author

      Hi Alex,
      No this is not a debt to the government – I don’t think that a credit card debt will impact your 457 visa application.
      PC

      Reply
  11. 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

    Reply
    1. Peng Cheng Post author

      Hi Goldy,
      Not really a migration law question – you’d need to confirm with Medicare.
      PC

      Reply
  12. 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

    Reply
    1. Peng Cheng Post author

      Hi Jingle,
      You mean insurance for a 457 visa holder? Having Medicare cover is sufficient so it is no longer mandatory to have insurance.
      PC

      Reply

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