Compare 485 Visa Insurance in Australia

Subclass 485 visa holders may be subject to condition 8501 requiring adequate health insurance in Australia. Check the conditions applying to your visa and confirm the selected policy is suitable.

Overseas Visitor Health Cover (OVHC) is health insurance designed for many temporary visa holders. Insurers offer different worker and visitor products, so check the exact product rather than relying only on the OVHC label.

OSHC is designed for student visa holders. Graduates commonly move to an appropriate OVHC or workers product when transitioning to a 485 visa. Confirm timing and suitability with the insurer.

The lowest premium depends on current insurer pricing, your cover type, excess, age and start date. Our provider cards automatically display entered prices from lowest to highest.

No. Insurers can offer multiple products with different benefits. Confirm that the specific product you choose is appropriate for the visa condition applying to you.

Premiums vary by provider, policy level, excess and family composition. Use current insurer quotes because prices can change.

Generally yes, but coordinate cancellation and commencement dates and ask the new insurer about recognition of waiting periods before switching.

Depending on the product, cover may include hospital treatment and benefits toward medical services. Limits, exclusions and benefit levels differ significantly between products.

Policies can apply waiting periods and other rules to treatment for pre-existing conditions. Check the policy documents and ask the insurer how the rules apply to you.

Some products include pregnancy-related hospital treatment, often subject to a waiting period. Entry-level products may exclude or restrict it, so check before purchasing.

Benefits for out-of-hospital medical services vary. Check how the policy pays against the Medicare Benefits Schedule and whether a gap may remain.

Some policies provide pharmaceutical benefits subject to co-payments, item limits and annual limits. These can vary by insurer and product.

Insurers may offer single, couple, single-parent and family options. Compare the total premium and benefits for your household composition.

Choose dates carefully so you do not unintentionally create a gap between your existing cover and new cover. Your circumstances and visa timing determine the appropriate start date.

Compare premium, hospital excess, medical benefits, waiting periods, exclusions, pharmaceutical limits and the insurer's confirmation about suitability for your visa requirements. Read the relevant policy documents before purchasing.