Cheapest 485 Visa Health Insurance (2026)
Cheapest 485 Visa Health Insurance — AIA Health Overseas Visitors Health Cover (OVHC) (Jan. 2026)
What is 485 Visa Health Insurance?
For international graduates applying for an Australian Temporary Graduate Visa (subclass 485), one of the visa conditions (known as visa condition 8501) is maintaining adequate health insurance for the duration of your stay in Australia. This insurance requirement exists because most temporary visa holders do not have access to the government-funded Medicare system and therefore need private coverage to protect against medical and hospital costs.
The type of private health insurance suitable for this purpose is called Overseas Visitors Health Cover (OVHC) — a product specifically designed for international visitors.
AIA Health — Affordable OVHC for 485 Visa Holders
AIA Health Insurance is part of the AIA Group, one of the largest independent life and health insurers in the Asia-Pacific region. Their OVHC products are designed to meet the minimum health insurance requirements set by the Australian Government for many temporary visas, including the 485 Temporary Graduate Visa.
AIA Health’s OVHC provides coverage for a range of health needs while you are in Australia — from hospital stays to emergency services — and is compliant with visa condition 8501.
Key Features of AIA’s OVHC
Here’s why AIA’s OVHC stands out for many 485 visa applicants:
Visa-Compliant Health Cover
AIA’s Overseas Visitors Health Cover meets the visa health insurance requirements for the 485 visa, giving you proof of adequate arrangements when applying for or holding your visa.
Affordable Starting Prices
AIA’s OVHC is promoted as an affordable option with competitive pricing — their base plans can start at around $59.35 per month for individuals (as quoted on their website).
Accessible Support
Members get access to additional services such as:
-
24/7 health helpline with medical assistance and support.
-
Doctors on Demand telehealth access included in some plans, meaning eligible members can consult doctors online at no extra cost.
Online Management
AIA provides an online portal where policy holders can manage their cover, submit claims, and access insurance documentation easily — useful when you need to upload proof for your visa application.
Why Price Matters for 485 Visa Holders
Health insurance for a 485 visa can be a significant ongoing cost for temporary graduates — especially when you’re budgeting for living expenses in Australia. Many OVHC providers offer a range of plans from basic to more comprehensive, and prices can vary widely.
AIA’s strategy is to position its base overseas visitor health cover as one of the more affordable options compared to more expensive standard or premium OVHC policies offered by other providers.
Tips for Choosing Your Health Insurance
Compare Quotes: While AIA offers competitive pricing, it’s worth comparing quotes with other OVHC providers to ensure you’re getting the best deal for your situation.
Policy Details Matter: Always check what is included — basic policies typically cover hospital and emergency services, but extras like dental, optical, and physiotherapy may need additional cover.
Visa Compliance: Make sure any policy you choose clearly meets the visa condition 8501 requirements before you submit your visa application.
Conclusion
If price and visa compliance are your key priorities for a 485-visa health insurance policy, AIA Health’s Overseas Visitors Health Cover is one of the more affordable and straightforward options available on the Australian market. With policies starting from around $59 per month and designed to meet visa requirements, it’s a solution worth considering as part of your 485-visa planning.
Cheapest 485 Visa Health Insurance — AIA Health Overseas Visitors Health Cover (OVHC) (Jan. 2026)
What is 485 Visa Health Insurance?
For international graduates applying for an Australian Temporary Graduate Visa (subclass 485), one of the visa conditions (known as visa condition 8501) is maintaining adequate health insurance for the duration of your stay in Australia. This insurance requirement exists because most temporary visa holders do not have access to the government-funded Medicare system and therefore need private coverage to protect against medical and hospital costs.
The type of private health insurance suitable for this purpose is called Overseas Visitors Health Cover (OVHC) — a product specifically designed for international visitors.
AIA Health — Affordable OVHC for 485 Visa Holders
AIA Health Insurance is part of the AIA Group, one of the largest independent life and health insurers in the Asia-Pacific region. Their OVHC products are designed to meet the minimum health insurance requirements set by the Australian Government for many temporary visas, including the 485 Temporary Graduate Visa.
AIA Health’s OVHC provides coverage for a range of health needs while you are in Australia — from hospital stays to emergency services — and is compliant with visa condition 8501.
Key Features of AIA’s OVHC
Here’s why AIA’s OVHC stands out for many 485 visa applicants:
Visa-Compliant Health Cover
AIA’s Overseas Visitors Health Cover meets the visa health insurance requirements for the 485 visa, giving you proof of adequate arrangements when applying for or holding your visa.
Affordable Starting Prices
AIA’s OVHC is promoted as an affordable option with competitive pricing — their base plans can start at around $59.35 per month for individuals (as quoted on their website).
Accessible Support
Members get access to additional services such as:
- 24/7 health helpline with medical assistance and support.
- Doctors on Demand telehealth access included in some plans, meaning eligible members can consult doctors online at no extra cost.
Online Management
AIA provides an online portal where policy holders can manage their cover, submit claims, and access insurance documentation easily — useful when you need to upload proof for your visa application.
Why Price Matters for 485 Visa Holders
Health insurance for a 485 visa can be a significant ongoing cost for temporary graduates — especially when you’re budgeting for living expenses in Australia. Many OVHC providers offer a range of plans from basic to more comprehensive, and prices can vary widely.
AIA’s strategy is to position its base overseas visitor health cover as one of the more affordable options compared to more expensive standard or premium OVHC policies offered by other providers.
Tips for Choosing Your Health Insurance
Compare Quotes: While AIA offers competitive pricing, it’s worth comparing quotes with other OVHC providers to ensure you’re getting the best deal for your situation.
Policy Details Matter: Always check what is included — basic policies typically cover hospital and emergency services, but extras like dental, optical, and physiotherapy may need additional cover.
Visa Compliance: Make sure any policy you choose clearly meets the visa condition 8501 requirements before you submit your visa application.
Conclusion
If price and visa compliance are your key priorities for a 485-visa health insurance policy, AIA Health’s Overseas Visitors Health Cover is one of the more affordable and straightforward options available on the Australian market. With policies starting from around $59 per month and designed to meet visa requirements, it’s a solution worth considering as part of your 485-visa planning.