Visa 482 Health Insurance Requirements to Work in Australia
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If you’ve been successfully nominated for employment in Australia under a skilled visa, one of the first things you need to do is get adequate private health insurance.
This decision should not be taken lightly. Carefully consider the level of health insurance you need and make sure it's enough to fulfil the Temporary Skilled Shortage (TSS) visa requirements.
This article aims to help overseas people moving to Australia on a 482 TSS visa find health insurance so you can stay and work in Australia worry-free from medical bills.
As an overseas visitor working in Australia, you are responsible for paying all your health bills, for example, ambulance services, hospital accommodation and treatments, dental and optical.
Temporary Skill Shortage visa replaces the 457 visa
In March 2018 the 457 visa was abolished and replaced by the Temporary Skills Shortage (TSS) visa, subclass 482. Both visas were classified as a temporary visa allowing you to live in Australia for up to 4 years while working for a sponsored employer.
The Temporary Work (Skilled) visa, subclass 457, allowed you to work in Australia when nominated by an employer to work in a specific occupation for which you could prove you held a relevant qualification even if you had no prior work experience.
The TSS visa 482, on the other hand, requires you to have at least 2 years of work experience in the nominated occupation or related field and will only be granted for full-time positions.
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You might be able to apply to Home Affairs for an exemption from the TSS health insurance visa requirements if you're from a country that has a reciprocal health care agreement with Australia, for example, the UK, New Zealand, Ireland and the Netherlands. However, eligibility for exemption is assessed on a case by case basis.
Previously, on the 457 health insurance requirements, you had to disclose any medical conditions to your employer and could only be granted a visa if your employer signed an undertaking to meet the necessary costs.
With the TSS visa, you do not have to disclose your medical condition to your employer and can still be granted a visa, if the health requirements are waived because it does not pose an ‘undue cost' or ‘undue harm' to the Australian community as subject to health criterion 4007. The following factors are generally taken into consideration:
- Pre-existing health insurance,
- Your financial capacity, and
- The ability of your relatives to provide you with the necessary care.
What is the adequate level of cover for a TSS visa?
According to the Department of Home Affairs, you should get health insurance that provides benefits at least equivalent to:
The cost of in-hospital treatment equal to the state and territory in Australia where you’ll live that includes:
- Patient care while in the hospital and any postoperative services,
- Accommodation for day-only and overnight stays, and
- Emergency department fees.
Covers any Pharmaceutical Benefit Scheme (PBS) listed drugs that might be prescribed as part of your health care and/or administered during a hospital stay.
Pays a benefit equal to at least 100% of the minimum benefit listed on the Medical Benefit Scheme (MBS) fee.
How much is health insurance for a 482 Temporary Skills Shortage visa?
The cost of private health insurance for a TSS visa (previously 475 visa health insurance) depends on various factors, including the state you'll live, the health fund you choose, the type of policy you want (Hospital only or Combined Hospital and Extras cover) and the level of protection you're looking for (Basic, Medium or Top).
For overseas TSS visa holders looking for health insurance, you’ll need at least a Hospital policy that meets all the requirement listed above; in-hospital treatments and accommodation, emergency ambulance services, surgically implanted prostheses, 100% of the minimum benefit for PBS and MBS fees.
Some of the health funds offering Hospital cover for a 482 visa
|Health fund||Policy name||Monthly premium|
|HIF||Value Plus Visitor Cover||$106.59|
|HCF||Value Plus Visitor Cover||$106.59|
|NIB||Value Plus Visitor Cover||$106.59|
|Medibank||Working Visa Basic Insurance||$108.00|
|Bupa||Essential Visitors Cover||$109.62|
|Health.com.au||Essential Workers Cover||$110.00|
|Australian Unity||Mis Workers Cover||$122.02|
The above premiums are based on a single adult living in NSW buying a Mid Hospital insurance policy and do not include any Excess, Lifetime Health Cover loading or Rebate (December 2018).
Before choosing a health fund to buy visitors work health insurance from, you might want to compare policies from some of the major health funds available in Australia.
How to meet the overseas TSS health insurance requirements
Various health funds offer health insurance policies specifically created to help you reach the 8501 health cover requirements. To find such a policy, you can:
- Visit a health comparison website,
- Request quotes from health funds offering health insurance for overseas workers,
- Compare 457 health insurance policies (now replaced by subclass 482), and
- Visit allianzassistancehealth.com.au or a health fund that provides Visa 482 health insurance.
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