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Staying in Australia for work?

Get your health insurance visa letter instantly!

Find the right cover for you**

Show me prices for

visitors cover

Hospital only

  99             *

per week

Get quote

No extras included

May be added for an additional cost

plus visitors cover

Hospital and Extras

  99             *

per week

Get quote
Inpatient (in hospital) medical services
medical services
Pharmacy benefits

Included extras

50% off fees covered^
  • Dental
    $300 yearly limit
  • Optical
    $150 yearly limit
  • Physiotherapy, chiropractic, osteopathy & natural therapies $200 combined yearly limit

visitors cover~

Hospital and Extras

  99             *

per week

Get quote
Inpatient (in hospital) medical services
medical services
Pharmacy benefits

Included extras

90% off fees covered^
  • Dental
    $1200* yearly limit ^
  • Optical
    $300 yearly limit
  • Physiotherapy
    $550* yearly limit
  • Chiropractic
    $550* yearly limit
  • Natural therapies
    $700* combined yearly limit (pharmacy, psychology, podiatry & health appliances+)
  • Antenatal & postnatal services
    $400 yearly limit
  • Speech therapy
    $500* combined yearly limit
  • Occupational therapy
    $500* combined yearly limit

Why choose Bupa health cover ?

members First
Get more back on Members First dental, optical, chiro and podiatry
Private Hospital
Access to private hospitals, doctors and specialists
AU Goverment Compliant
Australian Government Visa compliant§cover
After hours
Access to After Hours Plus from National Home Doctor Services#
Discounted Ticket
Discounted movie vouchers, vitamins, gym memberships and more!
33 Million Members
Benefits from a global network

Things you need to know

The Temporary Skill Shortage (TSS) 482 visa

You are required to have health insurance for yourself and any family members that are travelling with you on the 482 visa.

To be granted a 482 visa, you must make adequate arrangements for health insurance for yourself and your family members travelling with you. All of our working overseas visitor covers fulfil this requirement; so once you have applied for cover with us, we will email you a health insurance visa letter to support your 482 visa application.

If you are enrolled with Medicare under a Reciprocal Health Care Agreement (RCHA) and have a Reciprocal Medicare card, you will be considered as having met this requirement. However, even if you are eligible for Reciprocal Medicare benefits you can only apply for Reciprocal Medicare once you arrive in Australia. So, if you apply for your 482 visa outside of Australia you will still have to arrange health insurance and provide proof that you have fulfilled this requirement to support your visa application.

Reciprocal Medicare means you'll only be covered for treatment that is deemed medically necessary and does not cover you for important things such as ambulance services. Overseas visitors cover can help ensure you are covered if the unexpected does happen, offering you greater peace of mind.

The Australian Healthcare system and Medicare

There are two components that make up the Australian healthcare system:

  1. The public health system administered by the Australian Government, known as Medicare
  2. The private health system

What is Medicare?

Medicare is Australia's public healthcare system for all citizens and most permanent residents.

It provides free or subsidised cover for certain healthcare services, which means it pays all or part of the costs. Some international visitors may receive Medicare benefits if a treatment is considered medically necessary.

However, Medicare does not cover treatment in a private hospital. You may also not be able to choose your own doctor in hospital. This means you will experience out–of-pocket costs that you have to pay yourself.

Find out more about Medicare.

Reciprocal Health Cover

Reciprocal Health Cover is an additional product that can be purchased in addition to your overseas visitors cover to help eliminate the Medicare Levy Surcharge. While it doesn’t offer you any additional benefits for health services, it could help save you money. At the end of the financial year, you’ll receive a tax statement which can be provided to the Australian Taxation Office to exempt you from paying the MLS.

Working Overseas Visitors Cover + Reciprocal Health Cover = No need to pay Medicare Levy Surcharge

Find out more about Reciprocal Health Cover.

Emergency Health Issue – What to do

When you purchase overseas visitors cover you will be covered for emergency and non-emergency health issues. Here’s what you need to do if you experience any health issues during your time in Australia:

Emergency health issues

  • Visit your local hospital emergency department
  • Call 000 for an ambulance

Non-emergency health issues

  • Visit your local GP or medical centre then either receive treatment from your GP or your GP will refer you to a specialist or another health service

Frequently Asked Questions

  • How do I find a cover that is right for me?
  • I have a Reciprocal Medicare Card - do I need to take out health insurance?
  • Can I take out private health insurance before arriving in Australia?
  • How do I receive my health insurance visa letter?
  • How much will a doctor or specialist charge me?
  • Which plan covers me for pregnancy?
  • Where can I find the Terms and Conditions about my policy?

Find the answers to these questions and more.


Still have questions?

  • phone icon Call us on 134 135,
  • phone icon 中文服务热线 on 1300 368 623

**For those with access to full Medicare benefits, these covers are not suitable for you. Please contact us, our team is here to help you find the right cover.

*This amount increases year on year up to a maximum of six years. All prices include GST and are based on a single person.

There are other services that are not fully covered or not covered at all by Bupa under any of our covers. Yearly limits are based on year one maximums once the waiting period has been served. Fund rules, yearly limits and waiting periods apply. The following waiting periods apply on all covers: pregnancy related (including childbirth) - 12 months; pre-existing conditions relating to psychiatric, rehabilitation and palliative care - 2 months; all other pre-existing conditions, ailments, or illnesses - 12 months.

~See product brochure for details of terms, conditions, exclusions, excesses and limits that apply.

^At all recognised providers.

+Please note there is a sub limit of $100 on the hire and repair of health aids and appliances.

‡ Receive higher benefits and have the certainty of knowing how much you’ll get back at our Members First providers for most dental, physio, chiro, podiatry consultations and selected optical. Fund and policy rules, waiting periods and yearly limits apply. Excludes orthodontics and hospital treatment.

† Have more choice where and when you'd like to be treated at Members First and Network hospitals.

§ For all OVC products except Standard Visitor Cover and Short Stay Visitor Cover.

#When you book an after hours doctor home visit, the doctor may prescribe common medications on the spot, at no charge to you.

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