Compare 485 Visa Health Insurance in Australia

Home Affairs requires Temporary Graduate visa applicants to provide evidence of adequate health insurance for all applicants when applying. Your cover should be appropriate for the visa requirements that apply to you.

Condition 8501 requires a visa holder to maintain adequate arrangements for health insurance while in Australia. Check your visa grant notice and current Home Affairs information for the conditions applying to your visa.

OSHC is designed for student visa holders. When moving to a Temporary Graduate visa, you should arrange health insurance appropriate for the 485 visa and make sure there is no unintended gap in cover.

Your start date should be arranged so you have appropriate health cover for the relevant visa period and do not create a gap when changing from OSHC or another policy. Check your circumstances and insurer commencement rules before cancelling existing cover.

Benefits vary by product. Depending on the policy, cover may include eligible hospital treatment, in-hospital medical services, GP or specialist services, emergency ambulance and prescription medicines. Limits, exclusions and waiting periods can apply.

Waiting periods and restrictions can apply to treatment for pre-existing conditions. The applicable rules depend on the insurer, product and your circumstances, so check the current policy documents before joining.

Some products provide pregnancy and birth-related benefits, while others may exclude them or apply a waiting period. If maternity cover matters to you, check the exact product benefits and waiting period before purchasing.

Insurers generally offer different membership types such as single, couple and family cover. Family members included in a 485 visa application also need to satisfy the applicable health insurance requirements.

You can generally change insurers, but you should check how waiting periods, continuity of cover and any already-served waiting periods will be treated. Avoid cancelling existing cover until the replacement policy is properly arranged.

Medicare eligibility depends on individual circumstances and Australia's eligibility rules. Holding a 485 visa by itself should not be treated as confirmation that you have full Medicare entitlement, so check your eligibility directly with Services Australia.

No single policy is automatically best for everyone. A lower premium may come with different hospital benefits, medical benefits, excesses, exclusions or waiting periods. Compare the total policy features as well as price.

Start with the indicative premium, then compare the type of cover, hospital excess, hospital and out-of-hospital medical benefits, ambulance, prescription benefits, waiting periods and exclusions. Finally, obtain the insurer's current personalised quote before purchasing.

Ambulance benefits vary between insurers and products. Check the current policy documents for emergency ambulance benefits, limits and any exclusions before purchasing cover.

An excess is an amount you may need to pay toward an eligible hospital admission before certain policy benefits are paid. The amount and how it applies can vary by insurer and product, so compare the current policy terms.

Yes. Premiums and promotional offers can change and may depend on factors such as cover type, age, excess and start date. Confirm the current personalised premium, promotion terms and policy details with the insurer before purchasing.