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Health insurance

Old May 11th 2012, 10:11 am
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Default Health insurance

We are currently in regional Qld on a 457 visa and would like to take out private health insurance. We have been told as we are not permanent residents the only option we have for full hospital and extra cover is visitors insurance however, when getting a price for a couple, costs are $400 per month. Unaffordable! We receive reciprical rights under Medicare with being from the UK so we didn't have to get the insurance for the visa process. We would like this with being rural and health services being very minimal and costly where we are, especially if we start a family in the future.

We apparently could take a standard policy available to permanent residents but then they dont cover hospital admissions only extras and medicare can then apparantly refuse to pay the gap. From the quotes and information we have, there doesn't appear to be any benefit to taking out a policy whatsoever. Basically - use the medicare system. Just wondering what other peoples experiences are of this? Thanks
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Old May 11th 2012, 10:34 am
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Default Re: Health insurance

Er... I was told I HAD to take out private medical to get a 457 Visa, then get Medicare once in Oz.

I had no choice but to sign up. Bit confused.
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Old May 11th 2012, 2:56 pm
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Default Re: Health insurance

Originally Posted by katdan28
We are currently in regional Qld on a 457 visa and would like to take out private health insurance. We have been told as we are not permanent residents the only option we have for full hospital and extra cover is visitors insurance however, when getting a price for a couple, costs are $400 per month. Unaffordable! We receive reciprical rights under Medicare with being from the UK so we didn't have to get the insurance for the visa process. We would like this with being rural and health services being very minimal and costly where we are, especially if we start a family in the future.

We apparently could take a standard policy available to permanent residents but then they dont cover hospital admissions only extras and medicare can then apparantly refuse to pay the gap. From the quotes and information we have, there doesn't appear to be any benefit to taking out a policy whatsoever. Basically - use the medicare system. Just wondering what other peoples experiences are of this? Thanks
Do a search for previous threads on 457 and medical/health insurance - as its now a requirement for the visa to have the insurance at least for arrival there are several companies that specialise in insurance just for 457 holders
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Old May 11th 2012, 8:02 pm
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Default Re: Health insurance

I am wondering if OP means 475 visa as they mention regional Queensland and not having to get insurance for the visa process?
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Old May 12th 2012, 12:06 am
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Default Re: Health insurance

You are probably correct, they seem to be here already..
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Old May 12th 2012, 12:24 am
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Default Re: Health insurance

Originally Posted by Pollyana
Do a search for previous threads on 457 and medical/health insurance - as its now a requirement for the visa to have the insurance at least for arrival there are several companies that specialise in insurance just for 457 holders
It might have just been a slack CO but I remember someone posting that they just put down "repicrocal agreement" on their 457 visa app and that was accepted as meeting the medical requirement. They specifically said they didn't get any, even for arrival.
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Old May 12th 2012, 2:14 am
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Default Re: Health insurance

Originally Posted by fish.01
It might have just been a slack CO but I remember someone posting that they just put down "repicrocal agreement" on their 457 visa app and that was accepted as meeting the medical requirement. They specifically said they didn't get any, even for arrival.
They were lucky I think; unless they were already in Australia and Medicare registered. The idea is that the applicant needs to get cover until they arrive and register with Medicare.
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Old May 12th 2012, 6:37 am
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Default Re: Health insurance

Its a 457 visa we're here on, sponsored by a company. We've been here since September and didn't have to have medical insurance for the visa process. That's interesting to hear most people have had to prove they had insurance even under reciprocal rights. We've certainly found companies which provide it but I am astonished at how expensive this is per month ($400) and I'm not quite sure how beneficial it would be when we would already get medicare cover. we did however have an annual travel insurance policy with being frequent travellers so maybe that's what got us through the visa stage.

Last edited by katdan28; May 12th 2012 at 6:40 am.
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Old May 12th 2012, 7:11 am
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Default Re: Health insurance

Originally Posted by katdan28
Its a 457 visa we're here on, sponsored by a company. We've been here since September and didn't have to have medical insurance for the visa process. That's interesting to hear most people have had to prove they had insurance even under reciprocal rights. We've certainly found companies which provide it but I am astonished at how expensive this is per month ($400) and I'm not quite sure how beneficial it would be when we would already get medicare cover. we did however have an annual travel insurance policy with being frequent travellers so maybe that's what got us through the visa stage.
Mine is 120 per month. You can get it cheaper than that too..
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Old May 12th 2012, 8:25 am
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Default Re: Health insurance

which company is that? Does that include any extras or just hospital? Are you on a visitors policy?
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Old May 12th 2012, 2:52 pm
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Default Re: Health insurance

Originally Posted by katdan28
Its a 457 visa we're here on, sponsored by a company. We've been here since September and didn't have to have medical insurance for the visa process. That's interesting to hear most people have had to prove they had insurance even under reciprocal rights. We've certainly found companies which provide it but I am astonished at how expensive this is per month ($400) and I'm not quite sure how beneficial it would be when we would already get medicare cover. we did however have an annual travel insurance policy with being frequent travellers so maybe that's what got us through the visa stage.
That's how you managed it Many people take out travel or specific 457 health policies just to get themselves here, then they can cancel once they've signed up to Medicare.
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