Skilled Independent Visa Subclass 189 – Your Path to Australian PR
Health insurance is an essential requirement for a worry-free experience while studying abroad.
International Medical Coverage: Health insurance provides you with the peace of mind to receive medical care anywhere in the world, ensuring you won't face overwhelming expenses.
Visa and Enrollment Support:Having health insurance can make obtaining a student visa and enrollment easier. This reduces the chances of your applications being delayed or rejected.
Financial Protection: In the event of an unexpected incident, having health insurance ensures that your medical expenses are covered. It safeguards you from potential financial stress.
Legal Compliance: Many countries create specific health insurance for international students. Securing this insurance not only safeguards your well-being but also shields you from potential legal complications and the risk of deportation. Protect yourself and ensure a smooth study experience abroad.
Comprehensive Care: Health insurance covers expenses related to hospital stays, prescription medications, mental health support, and much more.
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Country-wise rules
The USA has a unique system that students must navigate to meet certain criteria. In contrast, Australia requires international students to have Overseas Student Health Cover (OSHC). Similarly, in the UK, students are obligated to pay an Immigration Health Surcharge (IHS) to gain access to the National Health Service (NHS). Additionally, some universities have their own specific requirements, which often include particular coverage limits in their health insurance schemes.
Selecting a plan
Recognizing the diverse needs of students, universities create customized health insurance policies that provide essential coverage. Students can conveniently enroll in these plans during their registration process, ensuring peace of mind from day one. If a university does not offer its own insurance, students must seek private health insurance, which may not fully meet their specific needs. It's crucial for universities to invest in comprehensive health insurance options that prioritize student well-being and security.
Purchasing Health Insurance
Health insurance is essential for students, and selecting the right plan is vital for their well-being. By carefully considering their unique needs, students can find a plan that offers the best balance of cost and benefits. After choosing a suitable plan and making the necessary payment, students will receive a certificate as proof of their coverage, ensuring assurance during their academic journey.
Country-wise rules
The USA has a unique system that students must navigate to meet certain criteria. In contrast, Australia requires international students to have Overseas Student Health Cover (OSHC). Similarly, in the UK, students are obligated to pay an Immigration Health Surcharge (IHS) to gain access to the National Health Service (NHS). Additionally, some universities have their own specific requirements, which often include particular coverage limits in their health insurance schemes.
Country-wise rules
The USA has a unique system that students must navigate to meet certain criteria. In contrast, Australia requires international students to have Overseas Student Health Cover (OSHC). Similarly, in the UK, students are obligated to pay an Immigration Health Surcharge (IHS) to gain access to the National Health Service (NHS). Additionally, some universities have their own specific requirements, which often include particular coverage limits in their health insurance schemes.
Skilled Independent Visa Subclass 189 – Your Path to Australian PR
Looking to settle in Australia permanently, but prefer to do it on your own terms? The Skilled Independent Visa Subclass 189 offers a clear pathway to permanent residency (PR) without needing an employer, state, or family sponsor.
This points-tested visa is designed for qualified professionals with in-demand skills. Once granted, it gives you the right to live, work, and study anywhere in Australia, access Medicare, and eventually apply for Australian citizenship, if eligible.
If you meet the criteria and score well on Australia’s points test, this visa can be your launchpad to a secure and independent life in Australia.
What Is the Skilled Independent Visa Subclass 189?
The Subclass 189 visa is a permanent residency visa for skilled workers. It does not require sponsorship or nomination and is issued based on your individual merit.
You must first submit an Expression of Interest (EOI) through SkillSelect and receive an invitation to apply. To qualify, you need:
- An occupation listed on the Skilled Occupation List (SOL)
- A positive skills assessment
- A minimum of 65 points under the General Skilled Migration (GSM) system
Expert Tip: Aim for 75 points or more to improve your chances of receiving an invitation faster.
Who Should Apply for the 189 Visa Australia?
The 189 visa suits skilled professionals who prefer independent migration without employer or state sponsorship. It’s ideal for individuals who:
- Have qualifications and work experience in an in-demand occupation
- Want the flexibility to live and work anywhere in Australia
- Intend to pursue citizenship down the track
You must be:
- Under 45 years old at the time of invitation
- Proficient in English
- Able to meet the Subclass 189 visa requirements
Expert Insight: Applicants in fields like engineering, IT, healthcare, and accounting often score highly and receive invitations sooner.
How the Points-Based Visa Australia Works (Subclass 189)
The Subclass 189 is a points-based visa. You earn points for factors such as:
- Age
- Qualifications
- Work experience
- English language skills
- Partner’s credentials
- Australian study or work history
To be eligible, you must score at least 65 points, but higher scores boost your selection chances.
Sample Points Breakdown:
| Criteria | Points Example |
|---|---|
| Age (25–32 years) | 30 points |
| Master’s or PhD degree | 20 points |
| 8+ years overseas work | 15 points |
| Superior English (IELTS 8+) | 20 points |
| Australian study/work | 5 to 10 points |
| Partner with skills & English | 10 points |
Expert Tip: Achieving superior English scores (e.g., IELTS 8.0 or PTE 79+) is one of the quickest ways to boost your points.
Eligibility Criteria – Subclass 189 Visa Requirements
To apply for the Skilled Independent Visa Subclass 189, you must meet the following criteria:
Core Requirements:
- Age: Under 45 years at the time of invitation
- Occupation: Must be on the Skilled Occupation List (SOL)
- Skills Assessment: Positive result from a recognised authority
- Points Test: Minimum 65 points
- English Language Proficiency:
- IELTS score of 6.0 in each band (or equivalent PTE, TOEFL)
- IELTS score of 6.0 in each band (or equivalent PTE, TOEFL)
- Health and Character Checks:
- Complete medical exams
- Provide police clearance certificates for all countries where you’ve lived 12+ months in the past 10 years
- Complete medical exams
Expert Tip: Start your skills assessment and English test early. These are the most time-sensitive parts of the process.
Step-by-Step: How to Apply for 189 Visa Australia
The application process for the Skilled Independent Visa Subclass 189 involves several precise steps. Preparing early and submitting accurate documents will improve your chances of a smooth approval.
Step 1: Get a Positive Skills Assessment
- Apply through the relevant assessing authority for your occupation.
- This confirms your qualifications and work experience match Australian standards.
- Processing time: Typically 2–4 months, depending on the authority.
Step 2: Submit an Expression of Interest (EOI)
- Log in to SkillSelect, the Australian Government’s points-based immigration system.
- Include:
- Your nominated occupation
- Points total (minimum 65)
- English test scores, qualifications, and experience
- Your nominated occupation
- You’ll be ranked against other candidates in your occupation group.
Step 3: Receive an Invitation to Apply (ITA)
- Invitations are issued monthly to high-scoring applicants.
- A score of 70+ points improves your chances.
- Once invited, you have 60 days to lodge your visa application.
Step 4: Gather Your Supporting Documents
Prepare the following:
- Skills assessment letter
- English language test results
- Employment references and tax records
- Police certificates (if required)
- Degree and transcripts
- Valid passport and ID
Step 5: Lodge Your Visa Application
- Apply via your ImmiAccount
- Attach all supporting documents
- Pay the application fee: AUD 4,765 (main applicant, 2024)
- Additional charges apply for family members and second instalments if needed
Step 6: Wait for Your Visa Outcome
- Average processing time: 9–15 months
- Log in to ImmiAccount regularly for updates or document requests
Expert Tip: Submit your application as soon as you receive your ITA. Avoid delays that could affect your eligibility or points calculation.
Essential Documents for Skilled Independent Visa Subclass 189 Application
Having the right documents—well-organised and clearly presented—can significantly reduce processing time and improve your outcome.
Required Documents Checklist:
| Category | Documents Needed |
|---|---|
| Identity | Valid passport (with full validity), national ID (if applicable) |
| Skills Assessment | Positive assessment from an approved Australian assessing body |
| English Language | IELTS (min 6.0 in each band) or PTE (min score 50), valid within last 3 years |
| Employment History | Employer letters (detailing title, duties, hours), payslips, tax records |
| Qualifications | Degree certificates and full academic transcripts |
| Police Clearances | From all countries lived in for 12+ months (within past 10 years) |
| Health Exam | Complete medical check-up after submitting your application |
| Health Insurance | Private cover until you can enrol in Medicare post-visa grant |
Expert Insight: Ensure your job titles and duties match what’s listed in your skills assessment. Inconsistencies can lead to delays or refusals.
How Much Does the Subclass 189 Visa Cost and How Long Does It Take?
Understanding the costs and processing timeline of the Skilled Independent Visa Subclass 189 helps you plan clearly and avoid surprises.
Visa Application Fees
| Fee Type | Cost (AUD) |
|---|---|
| Main Applicant | AUD 4,765 |
| Each Family Member | Additional fee applies |
| Second Instalment (if required for low English) | AUD 4,885 (per adult) |
Note: These fees do not include skills assessments, medical exams, or document translations.
Processing Time
- Most applications take 9 to 15 months
Applications with complete and well-prepared documents are typically processed faster (9–12 months)
Benefits of the Skilled Independent Visa Subclass 189
Holding the PR visa for skilled workers under Subclass 189 offers you and your family long-term security and freedom.
Key Advantages:
- Live and work permanently anywhere in Australia
- Access to Medicare, Australia’s public health care system
- Sponsor eligible family members for PR later
- Children can attend public schools for free
- After 4 years of residency (including at least 1 year as a permanent resident), apply for citizenship
Expert Insight: Building full-time employment and community ties early strengthens your future citizenship application.
Common Mistakes to Avoid When Applying for Your 189 Visa
Even small errors during the application process can delay or derail your visa. Avoid these common pitfalls:
What to Watch Out For:
- Incorrect Skills Assessment: Ensure it matches your education and job history exactly.
- Wrong Points Calculation: Double-check your EOI before submitting. False claims may lead to rejections.
- Missing the 60-Day ITA Deadline: You must apply within 60 days of receiving your invitation.
- Not Updating Your EOI: Refresh your EOI if you gain new qualifications or improve English scores.
Expert Tip: Review your documents and points summary regularly. Stay current to remain competitive.
Why Choose PFEC for Your Skilled Independent Visa Application?
At PFEC Global, we guide skilled applicants from first consultation to successful visa grant—and beyond.
What Makes PFEC Trusted by Skilled Migrants:
- 98% Visa Success Rate: Proven outcomes for Subclass 189 applicants
- Complete Application Support: From skills assessments to final document checks
- Tailored Points Strategy: We help you optimise your score through eligible enhancements
- Ongoing Support in Australia: From job-readiness to post-arrival guidance, we’re with you
Expert Tip: Our document reviews catch small details that often lead to delays. With PFEC, your submission is accurate from day one.
Ready to Begin Your PR Journey?
Take the next step toward permanent residency with confidence.
📞 Book Your Free Consultation
Speak with a PFEC expert about your eligibility, occupation, and strategy to apply for the Subclass 189 visa.
📄 Download Your 189 Visa Checklist
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👉 Let PFEC make your Australian PR journey smooth, strategic, and stress-free.
What are my options and possibilities for submitting an Australian PR application?
Depending on your situation, you have many options when applying for an Australian Permanent Residency (PR). The Skilled Work Regional (Provisional) Visa (Subclass 491) is for regional employment; the Skilled Nominated Visa (Subclass 190) is for skilled workers who need state or territory nomination. There are several routes for family sponsorship and employer-sponsored visas, each with particular perks and requirements
If I don't have enough points to submit an application for a PR. What are my options?
If your points total is not enough for a PR application, think about being nominated by a state or territory, which may provide more points. Getting additional job experience, taking language exams like the PTE or IELTS, or going to further school in Australia to improve your credentials are all good ways to improve your English.
Does applying for a new course and student visa when I know my TR (Temporary Resident) is about to expire present any risks?
Applying for a new PR pathway courses in Australia and a student visa while your Temporary Resident visa is about to expire might be dangerous. To prevent possible visa denial, make sure your application is complete and satisfies all Department of Home Affairs standards. Learn the terms of any bridging visa that could be applicable throughout the application process, and if you’re not sure whether your application is complete or if you qualify, get expert help.