We compared Overseas Visitor Health Cover (OVHC) policies to bring you the policies that provide the highest level of Hospital Cover.
OVHC Insurance is compulsory for all applicants of the Temporary Graduate Visa (subclass 485) Scheme.
Compare Top Hospital policies below:
Meets 485 Visa Requirements
HOSPITAL COVER
Excess on Hospital Stays (per person annually)
Stay in Public Hospitals
Stay in Private Hospitals
Rehabilitation
In-Hospital Pharmacy
Pregnancy & Maternity Services
IVF & Reproductive Services
Pre-Existing Conditions
Outpatient Services
OTHER BENEFITS
Doctors' Fees
Ambulance Cover
Repatriation to Home Country
Funeral Cover
PBS Pharmaceutical Prescriptions
EXTRAS COVER
Rebate on Extras
Dental - General
Dental - Major
Dietetics
Optical
Physiotherapy/Osteopathy/Chiro
Podiatry
Extras Waiting Period
NO EXCESS
2 month waiting period
2 month waiting period
Reduced Benefits paid, 12 month waiting period
12 month waiting period
When medically necessary
up to $20,000
Not Applicable
Not Applicable
$500 Excess
co-payment on private rooms
co-payment on private rooms
2 month waiting period
12 month waiting period
12 month waiting period
Emergency only
up to $20,000
up to $5,000
Not Applicable
Not Applicable
NO EXCESS
Shared Room Only
Shared Room Only
2 month waiting period
Public Hospital only. 12 month waiting period
12 month waiting period
up to $300
up to $20,000
When medically necessary
up to $20,000
up to $300
Not Applicable
Not Applicable
$500 Excess
Shared room only
Shared room only
2 month waiting period
12 month waiting period
12 month waiting period
12 month waiting period
up to MBS fee
up to $4,000
up to $8,000
Not Applicable
Not Applicable
Our March 2019 comparison of 485 visa health insurance policies found that Frank Minimum Working Visa Cover is great value and provides a high level of Hospital Cover.
Frank’s Minimum Working Visa Cover:
The biggest disadvantage of this cover is that it has a hospital admissions excess, plus an additional co-payment for private rooms. It also does not cover outpatient services, IVF or doctors fees.
IMAN’s Budget Visitor Cover has no excess on hospital visits and will cover the cost of private hospital rooms.
It provides:
Compared to some other top hospital policies, IMAN’s Basic Working Visitor Cover provides a lower level of cover. Doctors’ fees, Outpatient Services and PBS Pharmaceuiticals are not included in this policy, and Pregnancy & Maternity Services are only covered for public hospitals.
