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TSS (and some other) visa holders must ensure that they have adequate levels of health insurance during their stay in Australia.

Hannan Tew can refer you to discounted rates with BUPA health insurance. Refer to further information below.

Health insurance for Visitors and Temporary Residents In Australia

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.

What can we do for you?

Hannan Tew has a professional relationship with Bupa to provide you with discounted private health insurance. Bupa has specific working overseas visitor cover to fulfil this requirement, however feel free to choose your own provider using the information on this page.

Book Bupa

What is adequate health insurance?

All applicants for TSS visas must make adequate arrangements for health insurance during the period of their intended stay in Australia. In general, adequate levels of health insurance is considered:

  1. if the applicant provides a letter or policy document from an Australian based insurance provider that indicates that the applicant and their dependants will be covered by insurance that meets this standard immediately upon visa grant or arrival in Australia;
  2. evidence that the visa applicant has lawfully enrolled with Medicare (the Australian Government has Reciprocal Health Care Arrangements (RHCA) with the governments of the United Kingdom, Sweden, the Netherlands, Finland, Norway, Malta, Italy, Belgium, the Republic of Ireland and New Zealand);
  3. evidence that the main applicant and any accompanying family members immediately upon visa grant or their arrival in Australia, are, or will be, covered by insurance that is at least as comprehensive as the adequate level of cover required under Department policy, with the understanding that the applicants will either enrol with Medicare under a RHCA or enrol in a private insurance arrangement after arrival; or
  4. for citizens from the Republic of Ireland, evidence that they hold an Irish passport.

The onus is on the visa applicant to ensure that they have adequate levels of health insurance during their stay in Australia, and failure to do so would result in a breach of visa conditions.

Instructions to use our referral to Bupa Health Insurance

Bupa provides a range of tailored health cover plans for overseas visitors with a TSS visa. Hannan Tew have an existing agreement with Bupa Health Insurance to provide you with a 5% discount on all premiums. To utilise this discount and apply for Department compliant overseas visitor cover, please follow the instructions below:

  1. Click on the following direct link;
  2. Click “Get Quote”
  3. Click “I’m an Overseas Visitor” and choose between the options: Single, Couple, Family – State – Country of citizenship – Visa – Quick Quote;
  4. Choose your desired level of cover;
  5. Add extras (optional);
  6. Click “View Product” and then “Join now”;
  7. Online Application from will appear;
  8. Provide personal information and their payment details;
  9. Finalise the application.

A confirmation letter will be emailed to the email address provided on application form. You will need to keep a copy of this as evidence of your adequate level of health insurance. This health insurance is acceptable by the Department.


As part of Hannan Tew’s agreement with Bupa please note:

  1. Hannan Tew provides this referral as a benefit to you but fully discloses that Hannan Tew will be receiving 5% of your premium as a referral fee (referral fee);
  2. You have the right to refuse to accept the Hannan Tew referral to Bupa in its entirety and without any prejudice from Hannan Tew;
  3. You have the right to use the services of an alternative service provider without any prejudice from Hannan Tew and its delivery of immigration service to you; and
  4. You have the right to obtain independent legal advice before using the Hannan Tew referral to Bupa.

If you wish to use a different provider, what is the minimum level of cover?

You can find the details of the requirements for adequate levels of health insurance by reviewing the following document.

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