Working Holiday Health Insurance (Subclass 417)

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What you should know about Working Holiday Health Insurance 417 ?

About 417 Visa

The 417 Visa allows individuals from countries in the 18 – 30 age bracket to have their 1st or 2nd extended holiday in Australia and work to fund their trip. Canadian and Irish citizens can extend the age limit to 35.

Health Insurance Is Compulsory

As per home affairs guidelines, one needs to maintain certain health standards while in Australia. Also to avoid any unforeseen medical problems, an OVHC is recommended. We give you a comprehensive list of insurance products so that you can see what you need, compare and make your best choice.

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Frequently Asked Questions (FAQ)

What is an OVHC?

OVHC is an abbreviation for Overseas Visitors Health Insurance Cover, designed for international visitors and workers wishing to visit or work in Australia

Is there a visa requirement that mandates me to hold an OVHC?

If your visa is subjected to Visa Condition 8501, you must maintain adequate arrangements for health insurance while you are in Australia.

8501 condition is a condition applied to 485, 482 (previously 457), 476, 489 visas and more.

What is covered under the OVHC policy?

OVHC helps you cover the cost of:

  • medical treatment when you’re in hospital
  • emergency ambulance transport
  • medical costs to get you back home
  • Some prescription medicines (Not available for basic covers)
  • Medical services provided by a doctor or specialist out of hospital (Not available for basic covers)

Are there different levels of OVHC cover that one can choose from?

Most Insurance providers offer various levels of policies that Visitors and workers can choose from based on their health care needs

You can choose from

A Low Range cover – Covers yourself and your families’ ambulance and hospital expenses.

A medium range cover – Depending on the insurance provider, this level of policy will cover for Out of Hospital treatment and Hospital expenses and some prescription medicines.

A Top Range cover – More comprehensive coverage than the above two covers with more options of receiving benefits towards dental, optical and physio treatments (Extent of coverage vary according to the Insurance Provider)

How do I pay for my OVHC cover?

You can choose to pay your OVHC premiums in a weekly, fortnightly, monthly or yearly basis. With OVHC, you do not have to pay the full premium covering the entire duration of Visa. You can choose to pay automatic payments through Direct debit until you cancel the policy.