University Graduate

485 Visa health insurance

I’m planning to stay in Australia on a 485 visa, do I need health insurance?

If you’re applying for the Temporary Graduate (subclass 485) visa, it’s a requirement that you and your accompanying family members have adequate health insurance for your stay in Australia. This is regardless of which stream your visa is classified under.

All 485 visa holders must have adequate private health insurance cover in place from the time they lodge their visa application, and they must maintain cover for the duration of their stay in Australia.

Private health insurance is essential because you won’t be able to access any subsidised medical services under Medicare, Australia’s public healthcare system. This means that you are responsible for all the medical expenses you incur while in Australia.

However, if you’re travelling from a country that Australia has a Reciprocal Health Care Agreement (RHCA) with, you may be able to access subsidised medical care in Australia.

What determines adequate health insurance under the 485 visa rules?

The health insurance requirements for the 485 visa are the same as those for the 457, or Temporary Work (Skilled), visa. Under condition 8501, to be granted a visa you must have a minimum level of private health insurance cover in place.

These types of policies are typically referred to as Overseas Visitors Health Cover (OVHC) and they are offered by a select group of private health funds. To satisfy the conditions of your visa, an OVHC policy must provide cover for certain features, including:

  • Treatment as an inpatient in a public hospital
  • Hospital accommodation, theatre fees, intensive care fees and ward drugs
  • Emergency department fees that lead to an admission
  • Admitted patient care and postoperative services
  • Surgically implanted prostheses
  • Pharmaceuticals listed on the Pharmaceutical Benefits Scheme (PBS)
  • Medical services with a Medicare Benefits Schedule (MBS) item number
  • Medically necessary ambulance transport

It’s important to check the fine print of any OVHC policy to make sure it matches all the relevant requirements of the 485 visa.

Which health funds offer this cover?

FundWhat’s covered?Learn More
Allianz AssistanceAllianz Global Assistance OVHC provides cover for:

  • prescription medicines
  • in-hospital medical treatment
  • emergency ambulance transport
  • medical repatriation
  • surgically implanted prostheses

A Visitors Plus policy is also available and adds cover for out-of-hospital medical treatment.

Australian UnityAustralian Unity OVHC allows you to cut down on medical costs Australia-wide. It covers:

  • doctor and specialist fees
  • hospital treatment and accommodation
  • theatre fees
  • emergency ambulance
  • day surgery and procedures
BupaBupa’s OVHC policy provides:

  • access to private and public hospitals
  • access to private doctors and specialists
  • pharmaceuticals and emergency ambulance cover

There are four different policies available to suit your cover needs and budget, with two of those policies offering extras cover for dental, optical, physio and much more.

HBFHBF OVHC covers you for:

  • a shared room in a public hospital
  • more than 5,000 procedures
  • theatre fees
  • medical gap cover
  • emergency ambulance

There are two policies available, with the higher level of cover including out-of-hospital medical care.

HCFOVHC from HCF covers:

  • hospital accommodation
  • theatre fees
  • intensive care
  • surgically implanted prostheses
  • doctor’s charges for in-hospital treatment
  • emergency ambulance
  • physiotherapy and pharmaceuticals related to your admission

Optional extras cover is also available for dental, optical, physio, chiro and more.

HIFHIF OVHC covers:

  • public and private hospital accommodation
  • theatre fees
  • pharmaceuticals
  • prostheses
  • emergency ambulance
  • outpatient services
  • emergency department treatment

There are five different policies to suit different budget and cover needs, with some policies also offering extras cover for dental, optical, physio and much more.

Medibank PrivateOVHC from Medibank Private provides cover for:

  • hospital accommodation and medical costs
  • doctor and specialist fees
  • intensive care and theatre fees
  • emergency ambulance
  • visits to your GP

There are four policies available to suit varying cover needs, with the top-level policy offering 85% back on a wide range of extras.

nibnib OVHC provides:

  • ambulance cover
  • public and private hospital accommodation
  • theatre fees
  • a repatriation benefit and more

There are five levels of cover available and the top two levels include extras benefits.

What is the 8501 visa condition?

Visa condition 8501 requires you to “maintain adequate arrangements for health insurance during your stay in Australia”. It applies to most temporary Australian working visas and all student visas, and is designed to ensure that foreign visitors can meet any hospital or medical treatment costs they incur while in Australia.

If this condition applies to your chosen visa, you will need to purchase health insurance cover in order for your visa application to be approved. Working visa applicants need to take out Overseas Visitor Health Cover (OVHC) while student visa applicants must purchase Overseas Student Health Cover (OSHC).

Which visas are affected by the 8501 visa condition?

Many temporary visas include the 8501 condition regarding health insurance, such as the 457 temporary work (skilled) visa and the 485 temporary graduate visa. Condition 8501 also applies to all student visas, but Belgian, Norwegian and some Swedish students are exempt from this requirement under Reciprocal Health Care Agreements.

Contact the Australian Government’s Department of Immigration and Border Protection to find out whether the health insurance requirement affects you.

The benefits of maintaining a higher level of cover and extras you can choose

When you shop around for OVHC you will find that most private health funds offer an affordable policy that only satisfies the bare minimum of the health insurance requirements for the 485 visa. If you’re on a tight budget or only want cover for the absolute essentials, these types of policies will do just fine.

However, most health funds also offer slightly more expensive policies that provide a more comprehensive level of hospital cover and also allow you to add extras cover. Choosing one of these higher-level policies means you are covered for many more features, including:

  • Treatment in a private hospital
  • Your choice of doctor or specialist
  • No excess or co-payment for public hospital stays
  • Cover for medical repatriation
  • Gap cover to eliminate your out-of-pocket expenses
  • Shorter waiting periods
  • Extras benefits including optical, dental, physio, chiro, natural therapies, podiatry, health management programs and much more
  • Cover for high-cost medical procedures, for example, pregnancy and eye lens surgery
  • Cover for psychiatric services and rehabilitation

So while high-level cover costs more, the benefits it offers could be well worth the expense. It’s important to shop around and find a policy that meets all your requirements.

What exclusions apply to OVHC policies?

Although cover differs between health funds, there are specific treatments and procedures that are commonly excluded from OVHC policies. These include:

  • Assisted reproductive treatments
  • Elective cosmetic treatments
  • Bone marrow and organ transplants

OVHC policies must also feature only the following waiting periods:

  • 12 months for pre-existing conditions
  • 12 months for pregnancy
  • 2 months for psychiatric, rehabilitation and palliative care

A range of other high-cost medical procedures are also commonly excluded or available with only a limited level of cover on OVHC policies. These include:

  • Heart surgery
  • Eye lens surgery
  • Joint replacements
  • Pregnancy and birth-related services
  • Plastic and reconstructive surgery
  • Psychiatric and rehabilitation services

Transitioning from a student visa to a 485 visa

If you’re holding a valid student visa when you apply for a 485 visa, you will already be covered by Overseas Student Health Cover (OSHC) as a requirement of your student visa. The OSHC you have in place is an acceptable level of health insurance to apply for a 485 visa, and you’ll need to supply evidence of this cover along with your visa application.

However, while your application is being processed, you will need to take out 485 visa-compliant health insurance. The Department of Immigration and Border Protection will contact you during processing to request evidence that you have taken out an adequate level of OVHC.

Finally, it’s important to remember that under the Reciprocal Health Care Agreements in place between their countries and Australia, Belgian, Norwegian and some Swedish students are not required to take out OSHC. However, if transitioning to a 485 visa, these students will need to take out OVHC.

Picture: Shutterstock

Richard Laycock

Richard is the senior insurance writer at finder.com.au and is on a mission to make insurance easier to understand.

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