Most visas need health insurance for the whole stay. Tell us your visa and family – we’ll help you find the right OSHC or OVHC policy, whether you are in Australia or overseas.
| Visa | Cover needed | Notes |
|---|---|---|
| 500 Student | OSHC | For the full visa period, incl. partner/children. Condition 8501. |
| 482 / 494 / 407 / 408 | OVHC (adequate) | Must keep adequate cover – condition 8501. |
| 485 Graduate | OVHC | Evidence needed when you apply. |
| 870 / 600 parents | OVHC / travel-health | 870 requires adequate private health insurance for the whole stay. |
| 820 / 309 partner | Medicare (usually) | Partner applicants can often enrol in Medicare after lodging onshore. |
| PR holders | Medicare | Private cover optional (tax considerations). |
Compare policies on the Government site privatehealth.gov.au ↗. Countries with a Reciprocal Health Care Agreement (e.g. UK, Ireland, NZ) may have some Medicare access.
Book a consultation – we check your eligibility, points and documents before you spend money on applications.