If you’re travelling to Australia on the Temporary Work (Short Stay Specialist) Visa, Subclass 400, you are required to maintain adequate health insurance for the duration of your stay.
Our 400 Visa Health Insurance plans (OVHC) are designed for overseas professionals undertaking short-term, highly specialised work or participating in business activities in Australia. We ensure you receive fast, reliable medical cover and meet visa requirements without any delays.
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To be eligible for the 400 Temporary Work (Short Stay Specialist) visa, you must have highly specialised skills or knowledge for a short-term, non-ongoing project or activity that cannot be filled by an Australian, typically with an invitation from an Australian organisation or evidence of the urgent need. You need to intend to stay no longer than 3 months (up to 6 in exceptional cases), meet health and character requirements, and demonstrate genuine temporary entry without using it to circumvent longer visas. Health insurance (OVHC) is required if Condition 8501 is imposed, and you must be at least 18 years old.
Most applications are decided in 5–20 days, making it one of the quickest Australian work visas for urgent, short-term specialist roles.
Unlike the 482 visa, you don’t need an approved sponsor or proof that no Australian can do the job - just strong evidence of your highly specialised skills and the genuine short-term need.
You can apply from inside or outside Australia, and in many cases extend once onshore for another 3 months if the project runs longer (total stay usually capped at 6 months).


Yes, if your study program is extended or changed, you may need to extend the start or end dates of your OSHC to remain compliant with your visa. It’s important to do this before the original policy ends to avoid a coverage gap.
Your OSHC covers you while you’re in Australia, regardless of state or territory (e.g., NSW, WA, QLD, ACT), so interstate travel is fine. But if you travel overseas (including returning home temporarily) and receive treatment there, those costs generally won’t be covered.
When your visa subclass changes, your health insurance requirements may change as well. For example, moving from OSHC (student cover) to a more appropriate cover, such as OVHC, for working/visitor visas. You’ll need to check the conditions of your new visa and ensure you hold the correct cover with no gaps.
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Yes, adequate health cover is mandatory.
Yes, short-term policies are available.
Yes, partners & children can be included.
Yes, switching and refunds may apply.
Most insurers offer refunds for unused cover.
AIA, Medibank, Bupa, Allianz Care, nib.