Compare 485/482/407/417/462 Visa Health Insurance

AIA 485 Visa Health Insurance

AIA OVHC – Health Insurance for visa subclasses 485, 482, 417, 462, 407, 408, and more

AIA Australia is a newer but growing player in the OVHC space, offering visitor health cover that meets visa requirements. Their OVHC options are designed for temporary residents who need compliance under visa condition 8501, plus access to healthcare without Medicare. https://health.aia.com.au/international/overseas-visitors-health-cover?

What is Overseas Visitor Health Cover (OVHC)?

Overseas Visitor Health Cover (OVHC) is a private health insurance policy that meets the government’s requirement (visa condition 8501) for “adequate health insurance” for many temporary visa holders. AIA’s OVHC policies are available for various visa subclasses, including working, skilled, holiday-type, and temporary activity visas. https://health.aia.com.au/international/overseas-visitors-health-cover?

Visa Types Covered

AIA offers OVHC for a broad set of visa subclasses, such as:

  • Subclass 485 (Temporary Graduate Visa)
  • Subclass 482 (Skills in Demand Visa)
  • Subclass 417 (Working Holiday Visa)
  • Subclass 462 (Work and Holiday Visa)
  • Subclass 407 (Training Visa)
  • Subclass 408 (Temporary Activity Visa)
  • Also, other visitor/working/skilled temporary visa subclasses (e.g. 600, etc.) as eligible under their OVHC scheme.

Why AIA is Considered a Good Option

Based on information available, these are some strengths of AIA’s OVHC:

  1. Visa-Condition Compliance
    AIA OVHC options are explicitly marketed as complying with visa condition 8501.
  2. Affordable Starting Premiums
    They offer cost-effective hospital cover options. In their announcement, hospital cover for singles started from around AUD 63/month.
  3. Easy Certificate Issuance
    AIA issues insurance certificates “straight away” upon purchase so that you can use them for visa applications without delay.
  4. 24/7 Helpline / Medical Support
    AIA provides access to a 24/7 health line via Nationwide Helpline Services (NHS) for OVHC members.
  5. Online Doctor Consultations (Telehealth)
    Eligible OVHC members can use Doctors on Demand for online doctor consultations at no additional cost.
  6. Member Portal
    AIA has an overseas visitors portal for managing membership, claims, updating details, etc.
  7. Cancellation / Visa Denial Policy
    If a visa application gets denied, and you cancel the policy within a short period (30 days) of joining, AIA offers a refund of premiums paid (unless a claim has been made).

What You Need to Know / Limitations

  • Waiting periods may apply to certain services, depending on the plan.
  • If you transfer from an equivalent or higher cover with another Australian insurer, AIA may honour waiting periods already served. But transferring from an overseas insurer usually means you’ll have to serve waiting periods (especially for pre-existing condition cover).
  • Out-of-pocket costs / gaps may apply if using providers outside AIA’s network. Always check whether the hospital or doctor is in AIA’s network.

How to Make an OVHC Claim with AIA

  • Use the Online Member Service Portal to submit claims.
  • For hospital treatment in-network, often bills are sent directly to AIA (reducing upfront payments). For out-of-network, you may need to pay first then claim back.
  • For doctor or specialist visits, you’ll often have to pay up front, then submit the invoice/receipt through the portal or via email.
  • Ambulance services: invoices are usually sent directly to AIA if possible; otherwise you may submit for reimbursement.

Policy Start and End Dates

  • AIA OVHC must begin when you arrive in Australia (or from your policy start date) and run through your visa expiry or departure, to satisfy the visa condition 8501.
  • If your visa is denied, and you cancel within a grace period (about 30 days), AIA has refund policies.

Key Benefits for Visa Holders

  • Compliance with your visa health insurance obligation (visa condition 8501)
  • Affordability for basic hospital cover options, especially if budget is a concern
  • Convenience of immediate certificate issuance, online portal, telehealth services
  • Support via health helpline and an international/working/visitor-friendly approach

Other Features of AIA OVHC

  • Doctors on Demand 24/7 online GP consultations included for eligible members.
  • Helpline in multiple languages, assistance includes translation service.
  • Medical repatriation, funeral & mortal remains cover in certain OVHC options.

Conclusion

With its focus on visa-compliance, affordability, helpful services (like telehealth and 24/7 health lines), and an easy, modern online process, AIA Australia is a strong option for Overseas Visitor Health Cover (OVHC) for visa subclasses such as 485, 482, 417, 462, 407, 408, etc.

 As with other providers, if you're applying for a Temporary Graduate Visa (subclass 485), you can compare all available 485 visa health insurance options at www.485visainsurance.com.au