457 Visa Health Insurance Comparison

It's compulsory for 457 visa applicants to provide proof of suitable 457 health insurance.
All the 2016 policies below meet the 457 visa Department Of Immigration requirements.

Compare 457 visa health insurance policies below in two easy steps.

457 visa health insurance
457 Visa Health Cover Comparison Logos
457 Visa Health Cover Logos


  • Price (Monthly)
  • Meets 457 Visa
    Requirements
  • Public Hospital Accommodation
  • Private Hospital Accommodation
  • Out Patient Services
    Post Hospitalisation
  • Funeral Cover
  • Medical Repatriation Cover
  • Maternity Services
  • Ambulance Cover
  • Dental Cover
    (Extras Policy)
  • Other Important Elements

IMAN Health Insurance For 457 Visa Holders Logo

Budget Cover

Visit IMAN 457 Visa Insurance Cover Website
  • Place Holder

457 Health Insurance Frank Logo

Minimum Working Visa Cover

Purchase Frank 457 Health Insurance

Australian Unity 457 Visa Health Insurance Logo

Budget Workers Cover

Medibank health insurance for 457 visa holders Buy Button

HIF health insurance for 457 visa Logo

Essentials Cover

Purchase HIF health insurance for 457 visa

Medibank 457 Health Insurance Logo

Working Visa Hospital Cover

Australian Unity health insurance for 457 visa holders button

This information is indicative and provided for general information only.
Please refer to the relevant policy brochure for full details including waiting period.

This policy is a good match for this health insurance item
This policy only covers some areas of this health insurance item
This policy does not offer comprehensive cover of this insurance item

457 Visa Health Insurance By Frank Is The Best Value Budget Cover

The best value budget cover that meets 457 visa requirements is Frank minimum working visa cover.  Frank is a subsidiary of GMHBA which was established in 1934  and has over 250,000 members. Now, much like HIF, Frank is a “not for profit” health cover.  This means that dividends don’t have to be paid to shareholders.  Furthermore, another reason Frank is highly recommended over others is due to the many positive reviews it comes with.  Frank has the best health insurance reviews in Australia on the Product Review website with a score of 94% based on 39 reviews.
Frank budget cover policy:

  • Allows policy holders to be treated in a private hospital
  • Is the cheapest 457 visa health insurance policy at $75.00 per month
  • Provides the option to have a private room once admitted to a hospital
  • Includes cover for doctors’ bills in hospital (up to the Medicare Benefits Schedule Fee)
  • Has repatriation cover with a limit of $20,000 per membership
  • Covers theatre and intensive care fees
  • Includes pharmaceuticals (limited benefits for high-cost drugs)
  • Includes Emergency ambulance cover

Frank Overseas Visitor Health Cover is the recommended policy for those who don’t want to be treated in the public health system and share a room.

Visit Frank OVHC

HIF is a Great Secondary Option for Visitors on a Working Visa

HIF is one of Australia’s oldest health insurers dating back to 1954. The fund has strong ratings on customer reviews on productreview.com.au with a rating of 64% from existing policy holders. The fund is ‘not for profit’ which means the income generated usually translates to either lower premium prices or improved services. This was a key reason the fund saw the lowest rate increase in 2015 across the industry, including their 457 visa health insurance policies.

Another reason HIF can offer such a low price is that they have age restrictions on their policy. Buyers of this particular policy must be under 65 years old. This cover also rules out private hospital stays, which can significantly increase the costs of claims from working visa holder. It is important to note that while other funds offer private hospital accommodation cover, choosing to stay at one may still lead to significant out-of-pocket expenses. It is for this reason that many policy holders will instead still opt to be treated in a public hospital.

HIF:

  • No excess when you visit a public hospital (shared room only)
  • No co-payments that require you pay a set amount each day during a hospital stay
  • One of the lowest priced policies at $88.42 per month
  • Cover for doctor’s bills in hospital (up to the Medicare Benefits Schedule Fee)
  • Repatriation cover with a limit of $4,000
  • Cover for theatre and intensive care fees
  • Pharmaceutical drugs cover
  • Emergency ambulance cover


The primary reason HIF was not recommended when compared to Frank was because HIF has those age restrictions that can pose a problem for many visitors looking for an affordable and flexible health cover solution. This means some visitors might not qualify for a number of extras and other health benefits.

Who Needs 457 Visa Health Insurance?

The Department For Immigration and Border Patrol states that “it is compulsory for a 457 visa applicant to make plans for health insurance for themselves and accompanying family members”. Condition 8501 states that these visa holders (family members included) must also maintain their health insurance cover during their stay within Australia. All of the covers above meet this government subclass 457 visa requirement. A letter which needs to be attached to the application is provided to policy holders after purchase (normally within 24 hours) as proof that the 457 visa applicant meets condition 8501. You may also want to consider adding extras cover. You can read more about who requires overseas visitor health cover here.

When you have 457 visa health cover and make a medical claim (for example, after visiting a doctor) you will normally be paid the Medicare Benefit Schedule (MBS). This is the amount that a permanent Australian resident would receive if they were in the public system. The MBS will not necessarily pay for the full cost of seeing a doctor or getting treatment,  as many doctors charge a rate higher than the MBS. In this case you will be ‘out of pocket’ for the difference. Most of the cheap budget 457 health cover policies above will pay 100% of the MBS while some of the more premium policies will pay either 150% of the MBS or the total cost of the visit. You can use the drop-down box above to view the more expensive policies.

Is Overseas Visitors Health Cover Required For Those From Reciprocal Health Care Countries?

Reciprocal health care agreements exist between Australia and a number of countries including the UK, Italy and New Zealand. This provides passport holders from these countries with cover for some medically necessary treatments for ill-health or injury during their stay in Australia. Individuals from these countries may meet condition 8501 if they are enrolled with Medicare which can only be done when they are in Australia.

If you are enrolled you must provide proof that you have a Medicare card in your application. It should be noted that overseas visitor health cover provides a greater range of services compared to Medicare, and can pay for the gap between doctor and hospital charges and the Medicare rebate, to avoid substantial out-of-pocket costs. For more information on the key elements to a 457 Health Insurance Comparison see the FAQ page.

If you receive Reciprocal Health Cover after you have purchased health insurance for 457 visa you may still choose to keep your policy. This is because overseas visitor health cover may provide additional benefits and because it can help you avoid the Medicare Levy Surcharge. This surcharge ranges between 1% to 1.5% based of an overseas visitor’s income and is avoidable if overseas visitor health cover is held. It’s strong recommended to talk to an Australian financial expert like an accountant before considering lapsing your overseas visitor health insurance.

Transitioning From An Overseas Visitor To A Permanent Resident.

When a 457 Visa Holder receives permanent residency they no longer need to have health insurance 457 visa, but they may receive penalties if they choose to cancel it. One of those penalties as discussed earlier is the ‘Medicare Levy Surcharge’ while another is called ‘Lifetime Health Cover’. This lifetime policy means that following your 31st birthday you will need to pay an extra 2% on your insurance premiums for each year past the age of 30 you choose not to have health insurance. Permanent residents are also entitled to a private health insurance rebate of up to 30%. These penalties often make it cheaper to be covered compared to paying the fees and charges. We recommend GMHBA based on the awards and reviews they have received and the fact the fund is ‘not for profit’ which means funds are re-invested each year into the insurer.

Ambulance cover is another important factor you need to look at, as this something people should not without. Plus it is part of your 457 visa work requirements, so it is needed. You can find out more about that here. Just note, this is only for medical emergency journeys. Non emergency ambulance journeys (eg if you break your leg) may require you to pay the full amount. To avoid this ambulance membership may be advisable.

457 Health Insurance Waiting Periods

All 457 visa medical insurance policies have waiting periods for visitor policy holders. This means that certain illnesses, ailments or conditions may not be claimable over the initial cover period if they are pre-existing. This pre-existing period may range from two months to three years and for some other elements such as accidental injury many 457 health funds waive any pre-existing waiting period.

View our details waiting period article to understand how these work and what you need to know. It is critical to declare any pre-existing injury or condition you have when joining as the 457 visa health fund may ask the medical practitioner (e.g. doctor) to complete a report to see if treatment was from a past illness or injury.

How do we compare Health Insurance For 457 Visa Holders?

This 457 visa health insurance comparison was made on November 11th 2016 based on price, policy features stated on the 457 visa health fund’s websites and third party customer reviews. Policy prices and benefits are subject to change in the future, and while this website regularly reviews 457 health cover policies, we recommend that you verify policy details prior to making a final purchase. Each year most 457 visa health funds schedule price increases such as last year’s price rise and the this years price rise.  This information comes from the health insurance providers websites (not through automation). Therefore, information provided is indicative and should be used for general information only. To make the most accurate comparison it is recommended that each individual policy is downloaded from the health fund websites and manually compared, factoring in elements such as pricing, benefits and waiting periods.

The content on this page was last updated on 20/11/2016

457 Visa Compared is rated 5.0 stars by 45 customers.