If you are moving to regional Australia on a Skilled Work Regional (Provisional) Visa, Subclass 491, you must hold adequate health insurance that complies with Visa Condition 8501 during your stay.
Our 491 Visa Health Insurance options ensure full protection from unexpected medical costs while meeting all visa requirements, fast, reliable, and affordable.
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To be eligible for the 491 visa, you must be under 45, score at least 65 points in SkillSelect, have a positive skills assessment in an occupation on the relevant list, meet competent English, and receive state/territory nomination or eligible family sponsorship. You must live and work in regional Australia for 3 years and maintain adequate health insurance (OVHC) under Condition 8501.
You must be nominated by a state/territory government (adds 15 points to your EOI). Requires occupation on the state list and meeting state-specific rules (e.g., job offer, prior study, or regional living). Open to onshore and offshore applicants.
You need sponsorship from an eligible relative (parent, sibling, child, etc.) living in a regional area (adds 15 points to EOI). Sponsor must be an Australian citizen/PR and meet income rules. Ideal if you have family in regional Australia.


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.
Ready to secure your overseas student health cover and start your studies in Australia with confidence? Compare trusted providers, get instant cover, and stay visa-compliant with GetMyPolicy.
Yes, student insurance does not apply once a student visa ends.
Yes, switching is allowed anytime.
Policies differ, compare plans to find the right option.
Most insurers allow pro-rata refunds.
Yes, family members can join anytime.
AIA, Bupa, Medibank, nib, Allianz Care.