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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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  • Avatar
    Manisha Shilratna Jagtap

    I have been granted Visitor VISA with 8501 conditions. My stay is for a period of 4 days only iu.e from 15.12.2019 till 18.12.2019. Do I have to purchase Insurance? If yes, how to purchase?

    • Avatar Specialist
      Anneke Van Aswegen

      Hi Manisha.

      Yes, on a visitor’s visa you’ll need health insurance for your stay in Australia. There are specific health insurance policies for visa condition 8501 which you can purchase from Bupa, Medibank, HIF, Australian Unity, Allianz or Iman. Please visit their individual sites for more information.

  • Avatar

    Hello. We are looking for OVHC for ourselves age 69 and 68. We have insurance from the US that covers us for up to two months at a time. We would like to stay in Australia for up to 12 months at a time as we have adult children here so need longer coverage. Please advise us on options for long term coverage..

    • Avatar Specialist
      Anneke Van Aswegen

      Hi Mary.

      There are many health insurance funds that provide cover for up to 12 months of visitor visa health insurance. However, the best one for you would depend on your specific requirements. To help you find a policy you might want to visit

  • Avatar
    sam carl

    My son is visiting Australia for 3 months beginning Nov. 14, 2018, and may be travelling anywhere in Australia.

    I’m interested in seeing quotes for medical coverage while he is there. He is 29 years old and in great health. Thanks.

    • Avatar Specialist
      Anneke Van Aswegen

      Hey Sam, thanks for reaching out.

      To provide you with a free, no-obligation quote, we need a bit more information. For example, where your son will be staying for the majority of his time in Australia and whether he requires hospital cover, extras or both. For example, if your son is the daring type and wants to do some hiking, diving etc, you might want to invest a policy that offers comprehensive ambulance services.

      Please fill in the quote form or call directly on 1300 786 328 for immediate assistance.

  • Avatar

    I’m coming to Australia with 309 Subclass visa in few weeks. This is my first entry. Can you please tell me what are the things I need to carry for immigration clearance? My family is already living in Australia.

    Do I need any health insurance when entering?


    • Avatar Specialist
      Anneke Van Aswegen

      Hey Sam,
      Please visit the Partner Visa (subclass 309) section on the Australian Government Department of Home Affairs website for a complete checklist of everything you need before immigrating.

      Concerning private health insurance, generally only certain temporary visa subclass holders, for examples student visa, will be asked to provide evidence of health insurance. However, it is highly recommended that you take out private health insurance if you do not yet qualify for Medicare as the cost of health services and procedures in Australia can be exorbitant without coverage.

  • Avatar


    PMV subclass 300, is there any insurance for this visa holder prior to subclass 820?

    Thank you

    • Avatar Specialist
      Anneke Van Aswegen

      Hi Katty. Thanks for reaching out.

      Prior to being eligible for an 820 visa, a visitors health insurance option should generally suffice for a Prospective Marriage Visa (subclass 300). Please contact a specialist on 1300 786 328 for assistance.

  • Avatar

    My father is coming for only three weeks on visitor visa 600, is it mandatory to have OVHC, if I can bear medical expenses myself if needed without any medical insurance?

    Secondly, my mother’s OVHC is expiring on 18th next month but she is planning to stay for two more weeks? Do I need to extend her OVHC if I can bear medical expenses myself?


    • Avatar Specialist
      Anneke Van Aswegen

      Hi Arun.
      When travelling on a visitor’s visa 600, it’s generally not mandatory to take out private health insurance or extend cover if it’s already in place. However, please ensure that you’re able to cover the very expensive cost of health care should your parents need medical attention, this includes ambulance transport.

  • Avatar

    Hello, I’m planning a trip to Sydney for 3 weeks in October with my parents. Are we required to have medical insurance to be able to enter? I was told it was required now otherwise we couldn’t enter. I visited back in 2016 and I didn’t have it. Thanks in advance.

    • Avatar Specialist
      Anneke Van Aswegen

      Hi. If you’re applying for a visitor visa (600,601 or 651 for example) then private health insurance might not be mandatory. However, health care in Australia is very expensive, so please make sure you’re able to cover the costs should something unforeseen happen to you.

  • Avatar

    Could you please explain the difference between taking out one of these policies vs ‘travel insurance’? I have family planning to travel to Australia for extended stay and we were looking at different options and were a little confused!

    • Avatar Specialist
      Anneke Van Aswegen

      Thank you for your question.
      Travel insurance is usually designed to protect you against trip cancellations, lost baggage and emergency medical treatment.

      Australia requires all visitors that do not come from a country with a Reciprocal Health care Agreement to take out private health insurance for the duration of their stay, so you’re covered for medical, ambulance and hospital services.

      Medical treatment in Australia is very expensive, which is why most visa requirements ask that you provide evidence of adequate health insurance for the duration of your stay, so that you can show you’ll be able to cover the medical costs.

  • Avatar

    Hello. I am in Australia for the next six months with a work and holiday visa subclass 462. I am looking to get a health insurance plan that will cover me while I am here working. I am budget conscious.

    I’m interested in a plan that covers psychiatry services, specifically therapy sessions, as long as it is not too expensive of a plan. I would greatly appreciate finding out what my best option is.

    Thank you for your time,

    • Avatar Specialist
      Anneke Van Aswegen

      Hello Cora. There are many private health funds overring coverage for mental health services. However, these are usually only available from the middle and top level hospital and extras packages.

      Luckily, if you decide to take out a budget-friendly basic plan, you’ll be happy to know that you can always upgrade without serving a waiting period to gain access to higher benefits for psychiatric care.

      Please fill in the quote form above for assistance from a specialist to help you find the right health insurance coverage.

  • Avatar
    Hossein Samadi-Boroujeni

    We are a family of 4 adults and 1 kid, and our visa is in subclass 408.
    How much is our health insurance costs for three months?

    • Avatar Specialist
      Anneke Van Aswegen

      Hello Hossein.

      For a Temporary Activity Visa subclass 408, you will generally need to apply for an overseas visitors’ health cover (OVHC) from a private health insurer.

      The cost for 3 months’ worth of cover is generally dependent on the insurer you choose, for example, GMHBA or Australian Unity and the type of cover you want, Hospital Only or Hospital and Extras.

      For further guidance please fill in the quote form above and a specialist will contact you or call 1300 786 328.

  • Avatar

    Hi there, I’m visiting Melbourne for 2 weeks and travelling with my dad who is 72 from Malaysia on ETA 601.

    Is there any medical insurance who provides cover for a pre-existing condition? We are travelling end of this week and I’m not able to find a travel insurance who covers pre-existing condition from Malaysia. Thanks in advance.

  • Avatar

    Hello, I will come to Australia with a working holiday visa, and I would like to travel around Australia during the year.

    Which insurance will cover me in all the regions of the country?
    Thank you

    • Avatar Specialist
      Anneke Van Aswegen

      Hi Letizia,
      To provide you with more accurate information, I would need to know which state you’ll be living and working in and whether your working holiday VISA is for more or less than one year.

      Assuming you want to apply for an overseas visitors’ health cover (OVHC), you can apply from a private health fund like:
      • GMHBA
      • Australian Unity
      • HBF
      • HIF
      • Bupa
      • Medibank

      It might be best to talk with a specialist about your specific requirements. Give us a call on 1300 786 328.

      Also, if you are from a country that has a Reciprocal Health Agreement with Australia you can apply for Medicare which can provide coverage for immediately necessary medical treatments.