Allianz Care Australia offers Overseas Visitors Health Cover (OVHC) for international graduates and temporary workers in Australia, including people holding a Temporary Graduate visa (subclass 485).
Allianz Care currently offers several levels of Workers OVHC, allowing 485 visa holders to choose between more basic hospital-focused cover and broader policies that include additional medical and other benefits.
Allianz Care specifically lists the 485 Temporary Graduate visa among the visas eligible for its Workers Overseas Visitors Health Cover.
Its current 485 insurance range is designed for international graduates remaining in Australia after completing their studies and needing suitable health cover during their stay.
Before choosing a policy, consider the level of hospital and medical cover you need, applicable waiting periods, excesses and potential out-of-pocket expenses.
Allianz Care currently offers four main Workers OVHC options relevant to eligible 485 visa holders.
Hospital Care Workers is Allianz Care's more basic in-hospital Workers cover.
Allianz Care states that this product meets the health insurance requirements associated with visa condition 8501.
It may suit people primarily looking for hospital-focused cover while keeping premiums lower.
Everyday Care Workers provides eligible in-hospital cover and also includes consultations with local doctors (GPs).
This can be useful for 485 visa holders who want access to eligible GP benefits as well as hospital cover.
Classic Care Workers provides in-hospital cover plus broader out-of-hospital benefits.
Allianz Care currently describes this level as including eligible benefits for services such as:
Terms, waiting periods, limits and exclusions apply.
Premium Care Workers is the highest level in Allianz Care's current Workers OVHC range.
In addition to hospital and out-of-hospital cover, Allianz Care states that it includes a range of extras benefits, which may include services such as:
Check the current product information for benefit limits, waiting periods and other conditions.
Allianz Care states that a number of its OVHC products meet the Australian Government's adequate health insurance requirements associated with visa condition 8501.
Its current Workers products listed for 485 visa holders—Hospital Care Workers, Everyday Care Workers, Classic Care Workers and Premium Care Workers—are presented by Allianz Care as meeting the applicable visa health insurance requirement.
However, not every Allianz overseas visitor product necessarily satisfies condition 8501. For example, Allianz states that its Value Care product does not meet that requirement.
For this reason, always choose a policy appropriate for your particular visa circumstances rather than assuming every Allianz product is suitable.
Hospital benefits vary according to the level of Workers OVHC selected.
Before choosing Allianz Care for your 485 visa, consider:
A cheaper policy can provide a different level of cover from a more comprehensive option, so compare the actual benefits rather than looking only at the premium.
The level of out-of-hospital medical cover differs across Allianz Care's Workers products.
For example, Allianz currently states that Everyday Care Workers includes consultations with local GPs, while Classic Care Workers provides broader out-of-hospital cover including GPs, specialists and prescription medicines.
This distinction is important when comparing Allianz Care policies because a lower-cost hospital-focused product may not provide the same out-of-hospital benefits as a higher level of cover.
Waiting periods may apply before benefits become payable for certain treatments or services.
Before purchasing cover, check:
The applicable waiting periods depend on the product and treatment, so check Allianz Care's current policy wording before relying on a benefit.
If you have a pre-existing medical condition, carefully review the relevant Allianz Care policy before changing or purchasing health insurance. For more information, read our guide to pre-existing conditions and 485 visa health insurance, including how waiting periods may affect cover.
A waiting period may apply to certain treatment associated with a pre-existing condition.
If you are currently receiving treatment or expect to require treatment soon, confirm how your condition will be treated before switching insurers.
If pregnancy and birth-related treatment is important to you, check the particular Allianz Care Workers product carefully.
Consider:
Do not assume every Allianz Care OVHC level provides identical pregnancy-related benefits.
International students may already have Allianz Care Overseas Student Health Cover (OSHC) while studying in Australia. If you are finishing your studies, read our guide to moving from a Student visa 500 to a Temporary Graduate visa 485 for more information about the transition.
Allianz specifically provides an option for customers moving from Allianz Care OSHC to OVHC after completing their studies.
When transitioning to a 485 visa:
Allianz Care provides different membership structures for eligible Workers OVHC policies.
Depending on your circumstances, cover may be available for:
Allianz distinguishes between single, dual family and multi-family policies, so check which membership type matches the family members included in your circumstances.
Allianz Care states that members can access its network of doctors and medical providers across Australia.
It also advertises a 24/7 emergency and assistance phone service for members and provides insurance certificates online after eligible online purchases.
Availability and eligibility for individual services should be checked against your particular cover.
The claims process will depend on the treatment received and the applicable policy benefits.
Generally, you should:
For planned or expensive treatment, consider checking your expected benefits before receiving treatment. For more information about the general claims process, read our How to Make a Claim on 485 Visa Health Insurance step-by-step guide.
The cost of Allianz Care OVHC depends on the level of cover and your circumstances.
Allianz currently publishes different premiums across its Hospital Care, Everyday Care, Classic Care and Premium Care Workers products. These prices can change over time.
Rather than putting a fixed price on this page that could quickly become outdated, compare the current Allianz Care premium against other available 485 health insurance options.
Consider both price and:
Allianz Care is one of the established insurers offering Workers OVHC for eligible Temporary Graduate visa holders.
Whether it is the best option for you depends on your individual circumstances.
Consider:
The advantage of comparing insurers is that you can assess Allianz Care alongside other available 485 visa health insurance options rather than choosing a policy based only on the insurer's brand. For a broader overview of choosing cover, read our 485 Visa Health Insurance Guide covering OVHC costs, benefits, waiting periods and other important considerations.
Yes. Allianz Care specifically lists the Temporary Graduate visa (subclass 485) as eligible for its Workers OVHC products.
Allianz Care currently lists Hospital Care Workers, Everyday Care Workers, Classic Care Workers and Premium Care Workers in its Workers OVHC range.
It depends on the level of cover. Allianz states that Everyday Care Workers includes local GP consultations, while Classic Care Workers includes broader out-of-hospital benefits such as GPs and specialists.
Yes. Allianz specifically provides information for customers switching from Allianz Care OSHC after completing their studies and moving to OVHC.
Allianz Care provides single, dual-family and multi-family policy structures for eligible members. The appropriate membership type depends on who needs to be covered.
There is no single insurer that is best for every 485 visa holder. Compare the premium, hospital and medical benefits, waiting periods, excess, exclusions and other features before deciding.
Allianz Care offers several Workers OVHC levels for eligible 485 visa holders, ranging from hospital-focused cover to more comprehensive options with broader medical and extras benefits.
The most appropriate policy will depend on your budget, healthcare needs and preferred level of cover.
Compare Allianz Care with other available 485 visa health insurance options based on: