The costs of your medical condition will depend on what it is and how long you plan to stay in Australia.
If you apply for a temporary visa, the costs of your medical condition will be based on the time you will be staying in Australia.
If you apply for a permanent visa, the costs for your medical condition will be estimated over five years (or over three years if you are 75 years of age or older).
Exception: If you have a permanent or ongoing medical condition and the course of the disease is reasonably predictable, the costs will be assessed over the time of your remaining life expectancy. This means that if you have a serious health condition you might meet the health requirement for a temporary visa, but you might not meet the health requirement if you then apply for a permanent visa.
Your individual, non-medical circumstances (such as private health insurance or personal wealth) will not be used to work out the cost to the Australian community.