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Health insurance

As a new arrival in Australia it’s important to ensure that you have the right health insurance to cover you and your family.  Government and private organisations both provide healthcare services in Australia.

Medicare

Medicare is Australia’s national healthcare system.  It provides free treatment in public hospitals as public patients and free or subsidised treatments by doctors (including specialists). You are eligible for medicare if you reside in Australia and hold a permanent visa, hold New Zealand citizenship, have applied for a permanent visa or are a visitor under the Reciprocal Health Care Agreement (RHCA). RHCA provide residents of certain countries access to Medicare benefits when visiting or working in Australia. The level of Medicare cover and the period for which you receive it varies and depends on which country you are from.  Check out if you have entitlements and what they are.

Short Term Visitors

If you’re visiting on holiday we recommend that you arrange travel health insurance with your local provider.  If you do forget to arrange your travel insurance before you arrive there are a number of providers that can help you with Overseas Visitor Cover.

Studying in Australia

In most cases it is a requirement of a student’s visa to have health cover in place as part of your course acceptance.  In many cases your study institution will be able to help you with this however you may also decide to buy health insurance directly from an Australian Health provider.  For full details about health insurance requirements visit border.gov.au.

Working in Australia

Most healthcare providers provide insurance options for working holiday makers and those employees being sponsored into Australia for example on a 457 visa.

Health insurance for 457 visas

When you’re applying for a 457 Temporary Business visa to Australia, you must also have health insurance for yourself and your family (dependants), if any. The type of health cover depends on your age and where you’ll be staying. When you’re applying for the visa, you must:

  • Provide proof that you’ve purchased a health insurance cover that meets the minimum health insurance requirements as set out by the Department of Immigration and Border Protection (DIBP)
  • Maintain adequate health insurance arrangements for yourself and any dependants travelling with you for the entire duration of your stay in Australia

Under new laws introduced in 2009, applicants won’t be granted a 457 visa without health insurance. This insurance needs to cover your accompanying family as well. Here are a few health policy checks in place before you apply for a 457 visa:

  • The health insurance must be as comprehensive as the minimum level of coverage required under the 457 visa program
  • Ask your insurer for the necessary documentation - a letter or certificate which states details of the health policy
  • You must fulfil Condition 8501 to be granted a 457 visa which requires you to maintain adequate health cover for you and your dependants during your stay in Australia
  • Family members applying separately from the primary 457 visa applicant must produce evidence which indicates that the policy covers them all
  • If you cancel your health policy during your stay or fail to comply with Condition 8501, your visa can be cancelled
  • Your sponsor may pay for the health insurance as a part of your employment contract. You are not compelled to pay for your health insurance personally

You may be able to apply to Immigration for an exemption from the 457 health insurance visa requirements if you are covered by a reciprocal health care agreement and you have enrolled in Medicare, the Australian public health care system. We recommend you consult immigration or your visa consultant. Some of the largest Health Insurance Providers in Australia include:

AHM

BUPA

HCF

Medibank

NIB

The links to non-NAB third parties on this page are provided as information only. NAB cannot confirm the reliability of the information or services provided by these sites.

Contact Migrant Banking

Australia

Level 8 (8.602) 700 Bourke Street,
Docklands, Victoria, 3008
Australia

Service Hours:  9:00 a.m. – 5.00 p.m. AEST, (Monday to Friday)

Tel: +61 (0)3 8634 1393
nab.migrant.banking@nab.com.au

 

New Zealand

Level 4 Quay Park,
30 Mahuhu Crescent, Auckland 1010,
New Zealand

Service Hours:  9:00 a.m. – 5.00 p.m. (Monday to Friday)

Tel: +64 (0)9 976 6318
bnzmigrant.banking@bnz.co.nz

 

United Kingdom

88 Wood Street
London, EC2V 7QQ
United Kingdom

Service Hours: 9:00 a.m. – 6.00 p.m. (Monday to Friday)

Tel: +44 (0)207 710 1930
migrant.banking@eu.nabgroup.com

 

China:

Beijing Branch
Tel: +86 10 6535 9800

Shanghai Branch
Tel: +86 21 2089 0288

Service Hours: 9:00 a.m. – 5:00 p.m. (Monday to Friday)

nab.migrant.banking@nab.com.au

Hong Kong

Level 32, Hysan Place,
500 Hennessy Road Hong Kong

Service Hours: 9:00 a.m. – 6:00 p.m. (Monday to Friday)

Tel: +852 2822 5342
nabhk_enquiry@nabasia.com

India:

901, 9th Floor, Nariman Bhavan
227 Backbay Reclamation
Nariman Point, Mumbai 400021
India

Service Hours:
9:30 a.m. – 3:30 p.m. (Monday to Friday)
10:30 a.m. – 12:30 p.m. (Saturday)

Tel: +91 22 6198 8200
nabin_migrantbanking@nabasia.com