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Travelling to Australia and Health Insurance

Health Insurance For Visitors Visa 600

Planning a trip to Australia? You might want health insurance

Published: October 18, 2017

Are you or your loved ones planning a trip to Australia? Then one of the first steps you might want to consider is getting a visitor visa 600 health insurance. Because unless your country has a Reciprocal Health Care Agreement with Australia, you will not be covered for any medical expenses, and medical treatment in Australia is extremely expensive.

After all, you don’t want to spend your hard-earned money on unexpected medical costs when you could spend it on having an Australia adventure.

Let us help you choose a health insurance option that best suits your tourist circumstances and budget. In this article we will:

Visitor Visa 600 health insurance

You might need to purchase a visitor visa 600 health insurance if you want your application for an Australian visitor’s visa to be successful. Medical care in Australia can cost you a fortune if you do not have the appropriate health insurance, with hospital treatment exceeding $1,500 AUD per day!

Visitor Visa 600 Health Insurance

Who needs a visa to visit Australia?

Pretty much everybody planning to visit Australia as a tourist or travelling on business will need to apply for a visitor’s visa beforehand. Although New Zealand passport holders only need apply when they arrive in Australia.

The type of visa you’ll need depends on your reason for visiting, the duration of your stay and your passport. There are 3 primary types of visitors visas available:

  1. Visitor Visa Subclass 600
  2. eVisitor Subclass 651
  3. Electronic Travel Authority (ETA) visa subclass 601

Visitor Visa Subclass 600

This visa allows you to visit Australia for 3, 6 or 12 months whether it is to see family, do business or enjoy a well-deserved holiday. The application costs start at about $140 AUD per person applying.

eVisitor Subclass 651

As a guest of Australia, you may only apply for this visa if you have a passport from an eligible country. Although most European countries are eligible, you will need to find out whether your country qualifies or not.

An eVisitor refers to the electronically-stored permission that allows you to enter Australia as a visitor for up to 12 months. Once this time period has expired, it cannot be extended.

Should you wish to leave while your eVisitor pass is still valid, you will need to keep your old passport with you, as your eVisitor is attached to this.

Electronic Travel Authority (ETA) visa subclass 601

This is purely a visitor’s visa. You may not conduct business in Australia with an ETA. Instead, it allows you to stay for up to 12 months, but you cannot exceed three months at a time. Although no charge is levied when you apply for this visa, it has a service charge of $20 AUD when applying online.

Which health funds offer the cheapest health insurance for 600 Visa?

If you are looking for the cheapest health insurance for Visa 600, you have an array of funds to choose from. Keep in mind that although the price is important, it shouldn’t be your primary reason for choosing a specific policy. You must take into account your health, age and personal needs.

We’ve listed some of the most affordable health funds from which you can get health insurance for visa 600. Premiums were based on the details of a single adult visiting Australia as a tourist.

Health Insurance for visitors visa 600

Australian Unity

Australian Unity’s offers 3 popular health cover holiday cover options. Note, all 3 require a $500 excess fee for hospital cover.

  • Basic overseas visitors cover: Premiums from $93.70 per month. Includes treatment at a private hospital in a shared room, and covers doctors’ and specialists’ fees. You’ll also receive 100% back for in-hospital pharmacy purchases, up to $2,500.
  • Mid overseas visitors cover: A monthly premium starting at $115.75. Claim up to 80% for treatment in a public hospital or receive treatment in a private room (when available) in a private hospital.
  • Top overseas visitors cover: Premiums from $192.95 per month with an annual benefit limit of $150,000. You are fully covered for treatment in a private room (when available) in a private hospital. This cover also includes 3 ambulance attendances for times when you might not be taken to hospital, but need an ambulance.

Frank Health Insurance

Frank is one of Australia’s cheapest and most versatile health insurance providers. Frank’s Overseas Visitor Health Cover (OVHC) offers you simple, low-cost hospital cover options:

  • Frank Minimum Working Visa Cover: Premiums from $75.00 a month with an annual $500 hospital admission excess.
  • Basic Hospital: Smart but cheap, you simply get what you pay for. Up to 55% can be claimed for some of the Extras.


The Hospitals Contribution Fund (HCF) is one of the largest health insurance companies in Australia and offers a variety of hospital and extras cover options with your choice of excess; each compliant with the Visitor’s Visa 600.  Higher benefits are offered the longer you maintain your HCF cover.

  • Young Starter Hospital & Extra: Monthly premiums from $105.40. This might suit you best as a young single or couple looking for health cover before visiting Australia.


Medibank health policies are generally suitable for applicants of Visa 600 and Visa 651.

  • Overseas Visitor Health Insurance premiums start at $130 per month, with medium hospital services and a $300 excess fee.
Health Insurance for Visa 600


nib health policies meet the Department of Immigration and Border Protection (DIBP) visa requirements. Choose from:

  • Budget Visitor Cover: From $75.62 per month with no excess. Covers all in-patient hospital services.
  • Value Plus: Medium level hospital cover plus access to general health needs starting at $98.00 per month
  • Basic Working Visa Cover: High-level Hospital Cover from $138.67 per month
  • Mid working Visitor Cover: For active people wanting a high level of hospital cover and extras like physio. Premiums start at $273 per month.
  • Top Working Visa: includes a range of Extras like optical and dental. Premiums start from $322.83 per month.


This health fund is seen by many as Australia’s largest general international insurance approved for visitors’ Visa 600. Peoplecare offers two visa compliant online packages from as little as $72 per month.

  • Budget Visitors: This covers you for hospital and ambulance services and requires an excess of $500. You might get a refund on some of your premiums if you leave Australia before the agreed-upon date.
  • Visitors Plus: Cover includes out-of-hospital services, in-hospital services, ambulance and medical repatriation.
  • Basic: An entry-level cover that requires an excess of $500.

How to claim for visitor’s health insurance?

When you claim you need to complete 4 simple steps:

  1. Download and complete a health cover claim form from the health fund you chose.
  2. Attach all medal receipts to the form.
  3. Scan the completed form and any relevant attachments (e.g. receipts).
  4. Send it to your health insurance provider. You can generally email or fax the completed forms.

Once your claim has been approved, the money will be deposited directly into your nominated Australian Bank or Credit Union Account.

Should you decide to leave Australia early, you can generally claim for a minimum of 1-month refund, calculated on a pro-rata basis. This request should be lodged with your health insurer.

Once in Australia, how long can I visit for and should I renew my health Insurance?

You can visit for up to three months at a time. At this point, you must leave the country. However, you may then re-enter and stay for a further three months. In the event of extending your stay, you will need to apply for the Long-Stay Tourist Visa (subclass 646).

Can I extend my visit once in Australia?

Yes, you can extend your visit once in Australia. You will need the Long Stay e600 Visitor Visa. However, a Long Stay Visa has certain conditions:

  • You may not work while in Australia.
  • You may not study for more than 3 months while in Australia.
Visa 600 Health Insurance

Can I switch to a different health insurer once in Australia?

Yes, you can switch to a different health insurance once in Australia. Switching is easy and might even save you money.

  • Contact the new health insurance you wish to switch to.
  • Inform them about your current Overseas Health Cover. Most insurers, for example, Frank, will contact your old fund on your behalf and complete the switch.
  • You’ll usually have to wait up to 2 weeks for your transfer certificate

In conclusion, if you’re planning on visiting Australia then you need health insurance for visa 600 so you do not have to worry about unexpected injuries or illnesses while enjoying your holiday. If you’d like some help comparing policies and finding the right cover for your specific circumstances then visit or a health fund that provides Visa 600 health insurance. 

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