457 or 189 visa

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457 or 189 visa


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Old 12-09-2013, 05:37 PM
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457 or 189 visa

Was wondering the pros and cons of each visa in regards of Medicare, chance of loans mortgage etc etc.
Any information or advice would be very welcome.
Applying for visas next year and not sure which way to go. My wife will be a qualified mental health nurse from February and are looking to move to brisbane, Wellington point or Cleveland area. I understand that sponsorships in Queensland for nurses are very hard to come by or have things changed?

Like i said any advice, recommendations or pointers will be very helpful.


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Old 12-09-2013, 07:55 PM
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A sc. 457 visa is a temporary visa that requires you to have your own private health insurance, unless you are able to enrol in Medicare. You won't have access to subsidised schooling etc. and I doubt that you will be able to take out loans. A sc. 189 visa is a permanent visa which will give you the same rights and access as everyone else.

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Old 12-09-2013, 08:02 PM
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The 189 is an independant Permanent Residency Visa and the 457 is an employer-sponsored Temporary Residency Visa. The two aren't really comparable.

It's far better to opt for a 189 visa if you are eligible and are looking to migrate long-term.

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Old 12-09-2013, 08:05 PM
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I just wanted to throw it in there that you can get a loan on either of those visas - in fact you can even get one on a WHV. In terms of how hard it is to get though I can't comment on.


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Old 12-09-2013, 08:07 PM
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457 is a temporary visa, so you don't qualify for Medicare (it's a condition of the visa that you purchase sufficient private medical insurance). I have no experience with loans on a 457 but I know of someone who wasn't able to get a novated lease due to her 457, although I was able to get one on mine. So it may be a bit hit and miss on that.

189 is a permanent visa so you'd qualify for Medicare and I assume loans would be more readily approved.


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Old 12-09-2013, 08:15 PM
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Some applicants are entitled to Medicare on temporary visas if their country has a reciprocal healthcare arrangement (UK is one example). You have to apply in Australia though, so it's common for 457 applicants to buy 1 months cover to obtain the visa and then enrol in the free Medicare to satisfy the 8501 condition.

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Old 12-09-2013, 08:16 PM
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Quote:
Originally Posted by Adam Grey View Post
Some applicants are entitled to Medicare on temporary visas if their country has a reciprocal healthcare arrangement (UK is one example). You have to apply in Australia though, so it's common for 457 applicants to buy 1 months cover to obtain the visa and then enrol in the free Medicare to satisfy the 8501 condition.
Good point, thanks for clarifying that.


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Old 12-09-2013, 11:23 PM
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Additionally, you are also eligible for Medicare if you have applied for a permanent visa in Australia (note: there are some exclusions). So if you were on a 457 visa and made a valid application for a permanent visa, you could apply for Medicare.

However, as Adam Grey pointed out, if you are eligible for a sc. 189 visa, that would be a much better option than a sc. 457 visa.

Some more details about reciprocal health care agreements:

If you are from a country with a reciprocal health care agreement with Australia, you may be eligible to access Medicare. For further information you should refer to the Medicare Australia website.

Eligibility for Medicare Card

Being enrolled with Medicare under reciprocal health care arrangements is sufficient to meet the health insurance requirement at visa grant and to comply with visa condition 8501.

You can only enrol with Medicare if you are in Australia. If you have enrolled with Medicare you should provide evidence that you have been issued with a Medicare card as part of your application.

If you are overseas, you must arrange adequate insurance for your initial period in Australia and provide evidence of this insurance as part of your application. You may be eligible to then enrol with Medicare once you are in Australia. Being enrolled with Medicare is sufficient to comply with visa condition 8501.

You should also be aware that once you have enrolled with Medicare, you need to contact the Australian Taxation Office to see if you will be subject to the Medicare Levy Surcharge. This might affect the type of health insurance policy you need to maintain while in Australia.

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Old 12-10-2013, 07:46 PM
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Thank you all for your advice, very helpful. You have all reinforced our own views so its helped us think we are making the right decision.


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