If you are applying for or hold a Training Visa (Subclass 407), having suitable health insurance is an important consideration while undertaking occupational training or professional development activities in Australia.
Subclass 407 visa holders may need to maintain adequate health insurance while in Australia, depending on the requirements and conditions applicable to their visa. Overseas Visitor Health Cover (OVHC) is commonly used by eligible temporary visa holders and can provide benefits towards hospital treatment, doctor and specialist services, emergency ambulance transport and certain prescription medicines, depending on the policy selected.
At 8501 Health Insurance, you can compare 407 Training Visa health insurance options from Australian health insurers and review important policy features before choosing cover for yourself and, where applicable, accompanying family members.
407 visa health insurance policies can differ in price, benefits, waiting periods, excesses and exclusions. When comparing health insurance, consider:
The cheapest 407 visa health insurance policy may not necessarily provide the most suitable cover. Your length of stay, healthcare needs, family circumstances and budget should also be considered when comparing policies.
Compare the available 407 Training Visa health insurance options below.
The Training Visa (Subclass 407) allows eligible people to come to Australia temporarily to participate in occupational training activities or professional development programs.
While undertaking training in Australia, visa holders may face hospital and medical expenses if they become sick or injured. Many temporary visa holders are not automatically entitled to Medicare, which means they may be responsible for some or all of their healthcare costs.
Overseas Visitor Health Cover (OVHC) is commonly used by eligible temporary visa holders to help manage these healthcare expenses. Depending on the policy selected, OVHC may provide benefits towards eligible hospital treatment, doctor and specialist services, emergency ambulance transport and certain prescription medicines.
When choosing health insurance for a 407 visa, consider your expected length of stay, healthcare needs, existing medical conditions, accompanying family members and the benefits provided by the policy.
Training Visa holders need to consider the health insurance requirements and conditions that apply to their individual visa.
Where Visa Condition 8501 is attached, the visa holder must maintain adequate arrangements for health insurance while in Australia.
For eligible subclass 407 visa holders, an appropriate OVHC policy can be used to provide private health insurance during their temporary stay in Australia.
When choosing cover, consider:
You should check the conditions attached to your individual visa and maintain appropriate health insurance for the required period.
Visa Condition 8501 may apply to a Training Visa (Subclass 407). Where it is imposed, the visa holder must maintain adequate arrangements for health insurance while in Australia.
You should check your visa grant letter or VEVO record to confirm whether Condition 8501 applies to your individual visa.
If Condition 8501 applies, appropriate health insurance should be maintained for the required period. You should not cancel your health insurance simply because your visa has been granted.
Holding a Training Visa (Subclass 407) does not automatically provide access to Medicare.
Some temporary visa holders may be eligible for Medicare because of their individual circumstances, including eligibility under one of Australia's Reciprocal Health Care Agreements (RHCAs).
If you are eligible for Medicare, the services available to you will depend on your circumstances. Medicare also does not necessarily cover every healthcare expense.
Before relying on Medicare or changing your private health insurance, check your Medicare eligibility and the health insurance conditions attached to your visa.
If eligible family members accompany you to Australia as part of your subclass 407 visa arrangements, their healthcare needs should also be considered.
Depending on the insurer, OVHC may be available as:
When comparing policies, make sure you are comparing the appropriate membership type and consider the healthcare needs of everyone who will be covered.
Family members with existing medical conditions, regular prescription medicines or other ongoing healthcare needs may require particular attention to policy benefits, waiting periods and exclusions.
Health insurance for Training Visa (Subclass 407) holders can provide benefits towards a range of healthcare services while you undertake training in Australia. The exact benefits depend on the insurer and level of Overseas Visitor Health Cover (OVHC) selected.
When comparing 407 visa health insurance, consider what is covered, applicable waiting periods, exclusions and the healthcare expenses you may still need to pay yourself.
Depending on the policy selected, 407 visa health insurance may provide benefits towards eligible treatment when you are admitted to hospital.
Hospital benefits may include eligible accommodation, theatre fees and treatment associated with covered medical procedures.
Waiting periods, exclusions, restrictions, hospital excesses and co-payments may apply. Check these carefully when comparing policies, as they can affect your out-of-pocket expenses if you require hospital treatment.
OVHC may provide benefits towards eligible services provided by doctors and medical specialists.
Medical benefits are commonly calculated with reference to the Medicare Benefits Schedule (MBS). If your doctor or specialist charges more than the benefit payable under your policy, you may need to pay the difference yourself.
If you expect to require regular medical consultations during your training period, compare the medical benefits available under different policies.
Many OVHC policies provide benefits for eligible emergency ambulance services.
Ambulance treatment and transportation can be expensive in Australia. When comparing 407 visa health insurance, check whether emergency ambulance is included, what circumstances are covered and whether any benefit limits apply.
Depending on the policy selected, benefits may be available towards certain eligible prescription medicines.
Insurers may apply limits to the amount payable for each prescription as well as overall benefit limits. If you regularly take prescription medicines, compare these benefits carefully when choosing cover.
Treatment relating to a pre-existing medical condition may be subject to a waiting period before benefits become payable.
The way a pre-existing condition is assessed and the applicable waiting periods can vary depending on the policy and relevant requirements.
Before purchasing cover, check:
If you have an existing medical condition that may require treatment while undertaking training in Australia, this can be an important consideration when comparing policies.
Depending on the OVHC policy selected, eligible pregnancy and birth-related hospital and medical services may be covered after applicable waiting periods have been served.
If you or your partner are planning a pregnancy during your stay in Australia, carefully compare maternity benefits and waiting periods before selecting a policy.
Do not assume that all 407 visa health insurance policies provide the same pregnancy-related benefits.
Standard OVHC generally focuses on hospital and medical treatment. Services such as dental, optical, physiotherapy and chiropractic treatment may not be included in the core policy.
If you want benefits for these services, you may need to purchase appropriate extras cover or select a product that includes additional benefits.
When comparing extras cover, consider the additional premium, waiting periods, annual limits and benefits available for individual services.
407 visa health insurance does not necessarily cover every healthcare expense or the full amount charged by a healthcare provider.
Depending on the policy selected, you may have to pay some or all of the cost of:
Always review the insurer's Product Disclosure Statement (PDS) and relevant policy documentation before purchasing cover. This will help you understand the benefits, waiting periods, exclusions and potential out-of-pocket expenses associated with the policy.
When comparing health insurance for a Training Visa (Subclass 407), the monthly premium is important, but it should not be the only factor you consider. OVHC policies can differ in hospital and medical benefits, waiting periods, excesses, exclusions and potential out-of-pocket expenses.
When comparing 407 visa health insurance, consider:
The cheapest 407 visa health insurance policy may not necessarily provide the best value. Consider the benefits you are likely to use as well as the premium and potential out-of-pocket costs.
Not necessarily. A lower premium may be attractive, particularly for someone coming to Australia temporarily for occupational training, but policies with similar prices can have different benefits and conditions.
Before choosing the cheapest policy, compare features such as hospital benefits, medical benefits, ambulance cover, prescription medicine benefits, waiting periods and hospital excesses.
The aim is to find an appropriate balance between price, benefits and your individual healthcare needs.
Some OVHC policies require you to pay a hospital excess when you are admitted for eligible hospital treatment.
A higher excess may be associated with a lower premium, while another policy may cost more but have a lower excess.
When comparing 407 visa health insurance, consider both the regular cost of the policy and the amount you could potentially need to pay if you require hospital treatment.
Your expected period of occupational training or professional development in Australia can influence your health insurance needs.
If you will be in Australia for an extended period, consider your ongoing healthcare needs rather than focusing solely on emergency hospital protection.
This may include regular doctor visits, prescription medicines, specialist treatment, existing medical conditions and the healthcare requirements of accompanying family members.
If you are travelling to Australia alone, single OVHC may be appropriate. If your partner or dependent children are accompanying you, suitable couple or family cover may be available.
Premiums for couple and family policies can vary considerably between insurers. Make sure you compare equivalent membership types and consider the healthcare needs of everyone included on the policy.
Australian health insurers offer Overseas Visitor Health Cover (OVHC) options that may be suitable for eligible Training Visa (Subclass 407) holders.
At 8501 Health Insurance, you can use the comparison table above to compare relevant 407 visa health insurance products, premiums and policy features.
Bupa offers Overseas Visitor Health Cover options for eligible temporary visa holders.
When considering Bupa for a subclass 407 visa, compare hospital and medical benefits, emergency ambulance cover, prescription medicine benefits, waiting periods, excesses and other applicable policy conditions.
Medibank provides Overseas Visitor Health Cover options for eligible temporary residents in Australia.
407 visa holders considering Medibank should compare the relevant hospital and medical benefits, ambulance cover, prescription medicine benefits, waiting periods, excesses and exclusions.
Allianz Care offers Overseas Visitor Health Cover for eligible temporary visa holders, including cover options relevant to temporary stays in Australia.
When comparing Allianz Care, consider hospital and medical benefits, emergency ambulance cover, prescription medicine benefits, waiting periods, excesses and other policy conditions.
nib offers health insurance options for eligible temporary residents in Australia.
When considering nib for a 407 visa, compare the applicable hospital and medical benefits, ambulance cover, waiting periods, excesses, exclusions and other policy features.
AIA offers Overseas Visitor Health Cover for eligible temporary residents, and Training Visa (Subclass 407) is one of the visa subclasses AIA identifies among its relevant OVHC visa categories.
When comparing AIA, consider hospital and medical benefits, emergency ambulance cover, prescription medicine benefits, waiting periods, excesses and applicable policy conditions.
Different insurers can offer different premiums, benefits and policy features for temporary visa holders.
Use the comparison table above to compare available 407 Training Visa health insurance options based on both price and the features that matter for your circumstances.
Training Visa (Subclass 407) holders need to comply with the health insurance requirements and conditions applicable to their visa. Where Visa Condition 8501 applies, the visa holder must maintain adequate arrangements for health insurance while in Australia.
Check your visa grant letter or VEVO record to confirm the conditions attached to your individual visa.
Overseas Visitor Health Cover (OVHC) is commonly used by eligible temporary visa holders, including people undertaking occupational training in Australia.
Depending on the policy selected, OVHC may provide benefits towards eligible hospital treatment, doctor and specialist services, emergency ambulance transport and certain prescription medicines.
Visa Condition 8501 may apply to a subclass 407 visa. If the condition is attached to your visa, you must maintain adequate arrangements for health insurance while you are in Australia.
Always check the conditions attached to your individual visa rather than assuming that the same conditions apply to every subclass 407 holder.
Depending on the insurer and policy selected, 407 visa health insurance may provide benefits towards eligible hospital treatment, doctor and specialist services, emergency ambulance transport and certain prescription medicines.
Waiting periods, exclusions, excesses, co-payments and benefit limits may apply.
The cheapest 407 visa health insurance can vary between insurers and policies and may also depend on whether you require single, couple or family cover.
Compare the premium alongside hospital and medical benefits, ambulance cover, prescription medicine benefits, waiting periods, excesses and potential out-of-pocket expenses before choosing a policy.
Health insurance options for eligible subclass 407 visa holders may be available from providers including Bupa, Medibank, Allianz Care, nib and AIA.
Products, premiums and policy features can differ between providers, so compare the options available for your visa circumstances before choosing cover.
Depending on the insurer and your circumstances, couple and family OVHC options may be available.
If your partner or dependent children are accompanying you to Australia, consider their healthcare needs and make sure appropriate health insurance arrangements are in place for everyone who needs cover.
Treatment relating to a pre-existing medical condition may be subject to waiting periods and other policy conditions.
If you have an existing medical condition, check how the insurer assesses pre-existing conditions, the applicable waiting period and any exclusions or restrictions before purchasing cover.
Depending on the policy selected, benefits may be available towards eligible pregnancy and birth-related hospital and medical services after applicable waiting periods have been served.
If pregnancy cover is important to you or your partner, compare maternity benefits and waiting periods carefully before choosing a policy.
Holding a Training Visa (Subclass 407) does not automatically provide Medicare eligibility. Some visa holders may be eligible because of their individual circumstances, including eligibility under an Australian Reciprocal Health Care Agreement (RHCA).
You should confirm your Medicare eligibility rather than assuming that holding a 407 visa gives you access.
You may be able to change health insurance providers. Before switching, check how waiting periods and previous membership will be treated and make sure you do not create an unintended gap in appropriate health insurance.
You should maintain appropriate health insurance for the period required by the conditions attached to your visa. If Visa Condition 8501 applies, adequate health insurance must be maintained while the condition requires it.
