You are required to have health insurance for yourself and any family members that are travelling with you on the 482 visa. To be granted a 482 visa, you must make adequate arrangements for health insurance for yourself and your family members travelling with you.
If you are enrolled with Medicare under a Reciprocal Health Care Agreement (RCHA) and have a Reciprocal Medicare card, you will be considered as having met this requirement. However, even if you are eligible for Reciprocal Medicare benefits you can only apply for Reciprocal Medicare once you arrive in Australia. So, if you apply for your 482 visa outside of Australia you will still have to arrange health insurance and provide proof that you have fulfilled this requirement to support your visa application.
Reciprocal Medicare means you’ll only be covered for treatment that is deemed medically necessary and does not cover you for important things such as ambulance services. Overseas visitors cover can help ensure you are covered if the unexpected does happen, offering you greater peace of mind.