485 Visa Insurance Guide

What is the 485 Visa? Requirements, Cost & Duration 2026

The Temporary Graduate visa (subclass 485) is a temporary Australian visa for eligible international students who have recently completed studies in Australia. It can allow eligible graduates to live, work and study in Australia after finishing their course.

VisaTemporary Graduate visa (subclass 485)
Work rightsWork in Australia while the visa is valid, subject to your visa conditions.
Typical durationUp to 18 months, usually 2–3 years, or an additional 1–2 years depending on the eligible stream and circumstances.
Main applicant chargeFrom AUD 5,750 as at September 2026. Visa charges can change.

What is the subclass 485 visa?

The subclass 485 visa is designed for eligible international graduates who have completed qualifying Australian studies. The visa has different streams, and the stream you qualify for depends on matters such as your qualification, occupation pathway and, for some applicants, regional study and residence.

It is a temporary visa. It is not itself a permanent residence visa, although some graduates later become eligible for other skilled, employer-sponsored or family visa pathways.

Main 485 visa streams and duration

Stream Who it is generally for Indicative stay
Post-Vocational Education Work Eligible graduates with an associate degree, diploma or trade qualification relevant to an eligible nominated occupation. Up to 18 months. Different arrangements apply to some passport holders.
Post-Higher Education Work Eligible graduates with a recent degree-level or higher qualification from a CRICOS-registered course. Usually 2–3 years depending on the qualification. Different arrangements apply to some passport holders.
Second Post-Higher Education Work Certain eligible 485 holders who studied and lived in a designated regional area. Generally an additional 1–2 years depending on eligible regional circumstances.

Basic 485 visa requirements

Eligibility depends on the stream and your individual circumstances. Home Affairs currently lists the following among the basic requirements for the subclass 485 visa:

Important: These are only general requirements. The detailed criteria differ between streams and can change. Always check the current Department of Home Affairs requirements before lodging an application.

How much does a 485 visa cost?

The main applicant visa application charge is from AUD 5,750 as at September 2026. Additional applicant charges may apply for family members included in the application. Other costs can also arise, including health examinations, police certificates, biometrics (where required), English testing, skills assessment costs for relevant applicants and health insurance.

Australian visa charges can change. Before applying, check the Department of Home Affairs Visa Pricing Estimator for the current charge.

Can you work on a 485 visa?

The subclass 485 is intended to allow eligible graduates to live, work and study in Australia temporarily. Your actual visa conditions are shown on your visa grant notice and in VEVO, so those should always be checked.

Can family members be included?

Eligible members of the family unit may be included in, or in some circumstances join, a subclass 485 visa application. Family members must also meet relevant health and character requirements and appropriate visa application charges may apply.

Do you need health insurance for a 485 visa?

Adequate health insurance is an important part of the subclass 485 visa framework. Depending on the visa and conditions applying to you, you may need to hold and maintain adequate health insurance while in Australia. Many graduates move from Overseas Student Health Cover (OSHC) to a suitable Overseas Visitor Health Cover (OVHC) or worker health insurance product when transitioning from a Student visa to a 485 visa.

Compare 485 Visa Health Insurance

What should you compare when choosing 485 health insurance?

Do not compare premium alone. Look at whether the selected product is appropriate for your visa requirements, together with hospital cover, medical benefits, excess, waiting periods, pre-existing condition rules, pregnancy cover where relevant, pharmaceutical benefits, exclusions and policy limits.

Where should you check the official 485 visa rules?

Visa legislation and policy can change. For official and current visa information, use the Department of Home Affairs Temporary Graduate visa (subclass 485) page.

Visa information disclaimer: This page provides general information only and is not immigration advice. Visa eligibility, fees, requirements and stay periods can change and depend on individual circumstances. Check the Department of Home Affairs or obtain advice from a registered migration agent or Australian legal practitioner before relying on this information.