Bupa helps you look after your health while working in Australia Without the right cover, health care in Australia can be expensive. Our health insurance gives you real value while you're here, with cover options suitable for visas 400, 482, 485, 489, and more.
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Bupa health insurance for overseas visitors can help cover some of the costs of going to hospital. This can include accommodation fees in a public or private hospital, and medical costs such as doctor fees. Your cover will list exactly which services you're covered for, and any waiting periods.

All Bupa hospital cover for overseas visitors includes unlimited emergency ambulance cover.4 It also includes cover for visits to the doctor, blood tests, diagnostic imaging such as x-rays, and eligible outpatient pharmacy items.5
Bupa health insurance for overseas visitors can help cover some of the costs of going to hospital. This can include accommodation fees in a public or private hospital, and medical costs such as doctor fees. Your cover will list exactly which services you're covered for, and any waiting periods.

Extras cover can help with the cost of everyday health services like dentist visits, physiotherapy, glasses, and more (up to yearly limits, once you’ve served your waiting periods). Bupa’s network of over 200,000 healthcare professionals gives you plenty of choice on where to go for treatments.6 Extras cover isn’t included on standard overseas visitors cover, but it’s easy to add it when you choose your policy.
FAQs All of Bupa's working visa cover options are designed to meet the ‘adequate health insurance’ requirement set by the Department of Home Affairs under visa condition 8501. However, if you’re on a student visa, our Overseas Student Health Cover (OSHC) is more suitable. While in Australia on a 482 visa, you must maintain 'adequate health insurance' for you and any family members travelling with you. This condition also applies to other working-type visas, such as subclass 482, 403, 407, and more.

To help you satisfy this visa condition, you can take out working health cover with Bupa and we'll provide you with a confirmation of cover visa verification letter to support your visa application. No, you won't have to re-serve any waiting periods you've already served, provided your switch while your cover is still active, or within 60 days of it ending.

Whether you're switching from another policy or from another fund, Bupa can help cancel your previous policy and arrange for any relevant waiting periods to be recognised. It's important to note that if you upgrade your cover, you'll need to serve waiting periods for any services that weren’t included on your previous cover.
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Have questions? Talk to a health insurance specialist to figure out what works best for you. All times are AEST/AEDT.

1Based on total revenue for Overseas Visitors Cover, APRA Operations of Private Health Insurers Annual Report 2024–25.

2Waiting periods, fund and policy rules apply. Depending on your cover, yearly limits may apply.

3Winner: Easiest to Claim, Finder Overseas Visitor Health Cover Customer Satisfaction Awards 2025.

4If claimable from another source, a benefit won’t be paid by Bupa. Benefits for ambulance transportation is only payable where the provider describes the transportation as an ‘Emergency’. For more, see the Important Information Guide.

5Waiting periods, annual limits and fund and policy rules apply.

6Extras service providers must meet certain requirements to be recognised by Bupa and for us to pay towards the cost of your treatment. Waiting periods, yearly limits, policy and fund rules apply. Percentage back may vary depending on benefit claiming restrictions.