Compare 485 Visa Health Insurance
All Temporary Graduate visa (subclass 485) holders are required to maintain adequate health insurance while in Australia (visa condition 8501). Health insurance protects you from unexpected medical costs and ensures access to necessary healthcare services during your stay.
Choosing the right policy is important — it must meet legal requirements while fitting your budget and lifestyle. This page helps you compare different 485 visa health insurance options.
WHY YOU NEED HEALTH INSURANCE
- Mandatory Requirement: Department of Home Affairs, Australia requires all 485 visa holders to have adequate health coverage.
- Protect Yourself: Avoid high medical bills in case of emergencies or accidents.
- Access Services: Covers hospital visits, medical treatments, and some prescriptions.
- Peace of Mind: Focus on work, study, and life in Australia without worrying about healthcare costs.
TOP PROVIDERS FOR 485 VISA HEALTH INSURANCE
Below are some of the popular Australian insurers providing policies suitable for 485 visa holders:
| Provider | Policy Name | Coverage | Extras | Approx. Annual Cost* |
|---|---|---|---|---|
| Allianz Care | Overseas Visitors Health Cover (OVHC) | Hospital, Ambulance, GP Visits | Dental, Optical optional | AUD $600–$1,000 |
| Bupa | OVHC | Hospital, GP Visits | Pharmaceuticals, Mental Health | AUD $550–$950 |
| Medibank | OVHC | Hospital, GP Visits | Some Dental | AUD $500–$900 |
| nib | OVHC | Hospital, GP Visits | Limited Extras | AUD $480–$900 |
*Prices vary depending on age, policy inclusions, and duration.
COMPARISON FACTORS
When choosing a 485-visa health insurance policy, consider:
-
Coverage Type
- Hospital: Covers inpatient treatments and emergencies
- Extras: Dental, optical, physiotherapy, and pharmacy benefits
- Ambulance: Check if included — some policies require separate coverage
- Duration
- Policies must cover the entire period of your 485 visa
- Can be extended if visa duration changes
- Balance price with coverage quality
- Cheaper policies may limit extras or have higher excess
- Choose a registered Australian insurer
- Check reviews and claims processing efficiency
- Cost vs Benefits
- Provider Reputation
TIPS FOR COMPARING 485 VISA INSURANCE
- Use online comparison tools to quickly evaluate multiple policies. One of the best website for comparing 485 visa policy is www.485visainsurance.com.au
- Check if family members can be included in the same plan
- Verify the policy meets DHA 8501 requirements before purchase
- Look for policies with flexible payment options
COMMON FREQUENTLY ASKED QUESTIONS
Q1: Is health insurance mandatory for all 485 visa holders?
Yes. Condition 8501 requires all 485 visa holders and accompanying family members to maintain adequate health insurance.
Q2: Can I change my health insurance provider after arrival?
Yes, but the new policy must maintain continuous coverage meeting 8501 requirements.
Q3: Are there cheaper options for students on a budget?
Yes, low-cost OVHC policies are available, but ensure they still meet 8501 standards.
Q4: Does health insurance cover pre-existing conditions?
Coverage for pre-existing conditions varies. Check the policy terms and conditions carefully.
OFFICIAL REFERENCES
- Department of Home Affairs – Adequate Health Insurance
- Allianz Care Australia
- Bupa Australia
- Medibank Australia
- nib Australia
- AIA
WHY CHOOSE www.485visainsurance.com.au to compare 485 VISA INSURANCE?
At 485 Visa Insurance, we make it easy and affordable to find the right insurance for your 485 visa. No matter your situation, we’ll help you find the best policy.
Meet Your Visa Requirements
Not all OVHC insurance policies will satisfy your visa requirements, but we make things straightforward by offering a range of options that do. Simply compare the options and choose a policy that works for you.
Get your Insurance Certificate instantly
Get things moving fast with our service. You’ll get Insurance Certificate instantly after making the payment.
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