Visa Conditions 8501

Want to work in Australia? On the majority of work-right visas, the Australian Government applies condition 8501 - which requires you to have adequate health insurance for yourself and any family members during your stay. For you to meet the 8501 visa condition, you must choose health insurance coverage that covers you for medical costs that the Australian Medicare system would typically cover for Australian residents. All of the OVHC insurance policies we compare meet the 8501 visa requirements.


What Is Visa Condition 8501?

The 8501 visa condition applies primarily to people coming to Australia to work. Condition 8501 requires you to get health insurance to cover you for times when you or your family are sick or injured and need medical assistance. Condition 8501 health insurance requirements mean you must purchase health insurance before you travel to Australia. If you have the condition 8501 listed, you must have proof of health insurance to provide to the Department of Home Affairs (DHA). Travel Insurance does not meet the 8501 conditions.


What Visitor Visas Require Health Insurance As Part Of The 8501 Condition?

If you’re coming to Australia to work, you’ll need a visa. Most Australian visas have the 8501 visa condition which requires you to have health insurance before arriving in Australia. Our website helps you compare the values and prices of saves you the 7 OVHC providers in Australia that meet the 8501 requirement for visitor visas. Condition 8501 health insurance providers in Australia include:

  • AIA
  • Allianz
  • Bupa.
  • CBHS International Health
  • Frank Health Insurance
  • Medibank
  • nib

Condition 8501 health insurance requirements apply to the following visas:

  • Student Visa (subclass 500) - requiring an OSHC policy
  • Temporary Graduate (subclass 485)
  • Temporary Skill Shortage Visa (subclass 482)
  • Visitor (subclass 600)
  • Work and Holiday Visa (462)
  • Working Holiday Visa (417)


What Level Of Health Cover Is Required To Meet The 8501 Condition?

To meet the 8501 health insurance conditions, it must offer the following:

  • Hospital cover: This covers you for the cost of being treated in a public hospital.
  • Ambulance cover. This covers you for emergency transport to hospital.
  • Medication cover. This covers you for the cost of medications under the Pharmaceutical Benefits Scheme (PBS).
  • Treatment cover for all treatments listed under the Medicare Benefits Schedule (MBS).

Once you have health cover to meet the 8501 condition, you will be covered for medical costs in the public hospital system if you have an accident or are sick.


Is The Visa Condition 8501 Mandatory In Australia?

Because most overseas workers or visitors are not eligible for Medicare (the publicly funded Australian healthcare for citizens and residents), a mandatory requirement for a range of visas is to maintain adequate health insurance. This means you must buy and provide proof of adequate OVHC when you apply for your visa.

Medical treatment in Australia can be expensive. Your OVHC policy will cover you and your family for some medical treatment costs. The amount covered will depend on the type of health coverage you choose. Until your visa expires, you must maintain adequate OVHC for your entire time in Australia. This mandatory requirement is required through the Department of Home Affairs.

If your OVHC lapses and you get sick or have an accident, you will have to pay significant out-of-pocket costs to pay for medical treatment. If this happens, you'll also have breached your visa conditions. 

To meet your visa's 8501 health insurance requirement, you must take out OVHC cover. Explicitly designed for visa holders, you can compare the 7 OVHC providers here [link to quote page].

Once you've paid for OVHC, you'll get a policy certificate within minutes. The date of coverage must start on the day you're expected to arrive in Australia.


Compare Overseas Visitor Health Cover Today

You can compare OVHC today and choose a condition 8501 health insurance policy. We only provide comparisons for health insurers in Australia who are compliant with the 8501 visa condition. Once you have paid for OVHC, you will receive your policy certificate within minutes.

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Frequently Asked Questions


What Insurance Covers 8501 Visa Conditions?

OVHC Insurance compares insurance policies that meet  the 8501 visa conditions. Our website saves you time and money by providing a comparison of prices and benefits of 7 reputable OVHC providers in Australia that meet the 8501 requirement for visitor visas. The OVHC providers include:

  • CBHS International Health
  • Frank Health Insurance
  • NIB
  • Medibank
  • Allianz
  • Bupa.
  • AIA

Are There Exemptions To The 8501 Condition?

Exemptions may occur if a reciprocal health care agreement covers you and you have enrolled in Medicare. In that case, you may be able to apply to the Department of Immigration for an exemption from visa condition 8501. Reciprocal health care arrangements are assessed on an individual basis by the Department of Immigration. Get more information from the Department of Home Affairs here.


How Much Will Health Insurance Cost To Meet The 8501 Condition?

Condition 8501 health insurance providers in Australia have different coverage levels and costs. It’s easy to compare the health insurance coverage to meet condition 8501 with OVHC.

What Happens If I Do Not Meet The 8501 Condition?

Your visa application will likely be denied if you don’t meet the condition 8501 visa requirements. To ensure you meet visa condition 8501, you must apply before you enter Australia.