Cheapest 485 Visa Insurance in Australia 2026
The cheapest 485 visa health insurance depends on the product, cover type and your circumstances. Based on the current starting prices displayed on our comparison, AIA Health has the lowest listed starting premium, but price should not be the only factor when choosing cover.
485 visa health insurance prices compared
| Provider | Current listed price from | What to do next |
|---|---|---|
| AIA Health | $59.35/month | View AIA Health cover |
| nib | $64.57/month | View nib cover |
| Medibank | $72.30/month | View Medibank cover |
| Allianz Care | $72.50/month | View Allianz Care cover |
| Bupa | $108.85/month | View Bupa cover |
Prices shown are starting prices currently listed on this website and can change. Your actual premium can differ. Check the insurer for the current premium and product details for your circumstances.
What is the cheapest 485 visa health insurance?
Based on the starting prices currently displayed above, AIA Health has the lowest listed starting premium at $59.35 per month. This does not mean it will necessarily be the cheapest or most suitable option for every person. Your cover type, product selection, excess, benefits and other circumstances can affect the premium and overall value.
How much does 485 visa health insurance cost per month?
Our current listed starting prices range from $59.35 to $108.85 per month across the five providers shown above. These are starting prices rather than personalised quotes. Always confirm the current premium directly with the insurer.
Compare Current 485 Insurance Prices
Why are some 485 insurance policies cheaper?
Premiums can differ because products may have different hospital benefits, medical benefits, excesses, exclusions, waiting periods, pharmaceutical benefits and policy limits. A lower monthly premium can also come with higher out-of-pocket costs or fewer benefits.
Does cheap 485 insurance meet visa condition 8501?
A low price by itself does not show whether a product is appropriate for condition 8501. Check the conditions applying to your visa and confirm that the exact insurance product is suitable for your circumstances before purchasing.
What should you compare besides price?
Visa suitability
Confirm the exact product is appropriate for your visa circumstances.
Hospital cover
Compare included services, exclusions and restrictions.
Medical benefits
Check GP and specialist benefits and possible gaps.
Excess
A cheaper premium may come with a different hospital excess.
Waiting periods
Review pre-existing condition, pregnancy and other waiting periods.
Medicines
Check pharmaceutical co-payments and benefit limits.
Can you switch to a cheaper 485 insurance provider?
You can consider switching providers, but compare more than the premium. Before cancelling existing cover, check the new policy’s start date, waiting-period treatment, benefits and suitability for your visa circumstances so you do not create an unintended gap.
How to choose affordable 485 insurance
- Start with the current premium.
- Check the hospital excess and likely out-of-pocket costs.
- Compare the benefits you are likely to use.
- Review waiting periods and exclusions.
- Check whether the exact product is suitable for your visa circumstances.
- Read the insurer’s current policy documents before purchasing.