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Visitor Cover from is a fast and cheap way to arrange the visa compliance letter for your working visa application

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Get your health insurance visa compliance letter in 10 minutes. Minimum ongoing direct debit frequency is fortnightly.

Essentials Workers Cover

Visitor Cover from is a fast and cheap way to arrange your Australian health insurance cover to Australian visitors on a 457 Temporary Work visa, a 482 Temporary Skill Shortage Visa or a 485 Temporary Graduate visa.

It meets condition 8501 of the Australian Department of Immigration and Border Protection's working visa requirements.

What's covered

Service or treatment


Any hospital episode treatment performed in a private or public hospital

100% covered, except for doctor's fees and excluded or restricted treatments (see below).

Doctor's fees

See Doctor's fees notes below

Emergency ambulance transport


Up to $20,000 per policy

Funeral Expenses

Up to $5,000 per person

Public hospital

Private hospital



Theatre fees

Bed fees

  • Intensive care unit

  • Single room

  • Shared room

  • Day stay

Service or treatment

These are just some examples of what covers. We also cover everything that Medicare covers.

Pregnancy (obstetrics childbirth services)

Joint investigation and reconstruction such as knee and shoulder

Accidental injury

Hernia repair


Gynecological procedures

Heart procedures


Cancer treatment


Renal dialysis


Eye surgery

Excluded and restricted treatments

IVF and assisted reproductive technologies

Cosmetic surgery that isn't medically necessary

Bone marrow and organ transplants

Ancillary / Extras services (like dental and optical)

Hospital cover does not include:

  • Treatment received outside Australia.
  • Treatment arranged before you arrived in Australia.
  • Services and treatment covered by compensation of any kind.
  • Dental bills, even if you are an inpatient in hospital. In this case, the hospital account will be covered but the dentist bills will be an out of pocket.

Doctors' fees coverage

When you go into any hospital (private or public) as a private patient, your doctor will charge you for their services. Medicare sets a recommended 'scheduled fee' for every single procedure performable by a doctor. will cover you for 100% of the Medicare Scheduled Fee.

If your doctor charges more than what covers, then you will have to pay the difference. That difference is commonly known as your out of pocket or gap cost.

Listing all the possible doctors' fees here isn't practical as there are over 10,000 procedures in Medicare's scheduled fee list. Usually you'd get the fee information from your doctor/specialist in something called Informed Financial Consent.

Things won't pay on

This list of things that won't pay on might seem a little long, but if you have a read you’ll see it’s pretty reasonable:

  • If you can claim damages or compensation from someone else, you can't claim it from
  • You can't claim on treatment you had over 2 years ago.
  • You can't claim on stuff that isn't covered by your policy.
  • If you're not paying us, we can't pay you. So if you aren’t up to date with your payments, you can't claim on treatment you receive during that time.
  • If you hire equipment (like crutches or an oxygen tent) won't pay for it.
  • If you're related to the person who treated you, or in the same family, you can't claim for that treatment. The same goes if you and your provider are business partners. Or if you're in the business partner's family. When we say 'family' we mean wife, husband, unmarried partner, sibling, kids, parents, grandparents, grandkids, cousins, nephews, nieces... If you're unsure, check with us.
  • You're not covered for any treatment you have overseas.
  • If you're given drugs in hospital, there are limits on how much we will pay for them. And we won't pay at all if you buy them outside of the hospital (like from a chemist). For more information on these limits, contact us.
  • Whoever treats you needs to be actually working in a private practice, for a registered hospital or for an organisation recognised by us. If not, we won't cover the claim.
  • If your doctor works at a public hospital, we will only pay the scheduled fee for the treatment they give you. If the total fee is more than the scheduled fee you will have to pay the gap amount.
  • You can't make a profit out of your insurance. So we won't pay more than what you were charged for a treatment. And if you're claiming the same treatment from someone else too, it will affect how much we pay you.
  • If you have a pre-existing illness or condition prior to joining us, you'll need to serve a 12 month waiting period from when you arrive in Australia before undergoing any treatment for us to pay your claim.

Cover overview Essential Workers Cover

Meets Australian Department of Immigration and Border Protection requirements


What's covered?

> Public and private hospital fees

> Medical repatriations

> Emergency ambulance transport

> In-patient Doctor's fees

Refer to What's Covered

What's not covered?

Refer to Excluded and restricted treatments

Hospital admission excess

Nil Excess.

Waiting Periods

Refer to Waiting periods

Waiting periods

This is the length of time you have to wait before being eligible for health insurance benefits.
Waiting periods exist to protect customers from claims made by those who join or increase their level of cover because they have a condition or illness that may require treatment.

Waiting periods apply to:

  • New customers (previously uninsured);
  • Additions to a policy (unless the addition/s has already served all waiting periods with or another fund) except newborns and adopted or permanent foster children where the family membership has been in existence for at least 2 months.
  • Existing memberships, and transfers to from another insurer where:
    • the level of cover and/or benefit entitlement is upgraded or increased;
    • any hospital service was not covered by the previous insurer and/or;
    • the waiting periods have not been completed.

Where a member is transferring from another health insurer, waiting periods for hospital treatment that was not covered under the old policy are:

  • 12 months - obstetric or pre-existing condition (other than for psychiatric, rehabilitation or palliative care).
  • 2 months - psychiatric, rehabilitation or palliative care.
  • 1 day - accidents (bodily injuries that happen the day after you join or upgrade to a higher level of cover) and ambulance

The above waiting periods also apply to previously uninsured customers.

For treatment that was covered under the old policy, at the same or higher level than the new policy, waiting periods are no longer than the balance of any un-expired waiting period for the benefit that applied to the person under the policy.

For treatment that was covered under the old policy but at a lower level, the member is entitled to the lower benefits equivalent to their old cover during the waiting period.

Existing customers with at least 12 months policy in total across their old and new cover are entitled to the lower benefits on their old cover during the waiting or benefit limitation period.

Get a Quote

Visitor Cover from is a fast and cheap way to arrange the visa compliance letter for your working visa application

Select your cover

Select the people on visa

Get your health insurance visa compliance letter in 10 minutes. Minimum ongoing direct debit frequency is fortnightly.