Key cover points
Review the main features, then check the full policy details before choosing cover.
485 visa suitability
AIA Health lists subclass 485 among the eligible visa subclasses for its Overseas Workers Health Cover. The appropriate level of cover should be checked against your visa requirements and personal needs before purchase.
Hospital and medical cover
Benefits depend on the product selected. AIA Health’s Overseas Workers range can include hospital treatment, medical services and ambulance benefits, subject to the relevant product fact sheet, Member Guide, waiting periods and exclusions.
Waiting periods
Waiting periods may apply. AIA Health states that waiting periods already served may be recognised when transferring from equivalent or higher Australian health cover, subject to its rules. Pre-existing conditions can attract a 12-month waiting period.
Before you buy
Check the current premium, hospital excess, included and excluded treatments, outpatient benefits, waiting periods and the latest product documents before purchasing.
AIA 485 Health Insurance FAQs
Is AIA Health suitable for a 485 visa?
AIA Health lists subclass 485 among the visa subclasses that may require evidence of adequate health insurance. Choose an AIA OVHC option that suits the visa requirements applying to you and your circumstances.
Does AIA Health OVHC meet condition 8501?
AIA Health states that the 8501 visa condition may apply to subclass 485 applicants and that it can provide evidence of adequate health insurance for a visa application. Confirm the selected product and your individual visa conditions before purchase.
How much does AIA 485 health insurance cost?
Policy Direct currently shows AIA Health from $59.35 per month in this comparison. Premiums can change and depend on the cover, membership and other details, so check the live quote before purchasing.
What does AIA 485 health insurance cover?
Benefits depend on the AIA OVHC product selected and can include eligible hospital, medical and ambulance services. Limits, exclusions, waiting periods and out-of-pocket costs may apply.
Do waiting periods apply to AIA OVHC?
Waiting periods may apply. AIA may recognise waiting periods already served when transferring from equivalent or higher Australian health cover, subject to its rules and the cover selected.
Can I switch from OSHC to AIA Health when applying for a 485 visa?
Yes, AIA Health explains that people already in Australia who are transitioning to a new visa can review and update their cover to suit the new visa conditions. Make sure the new cover starts when required so you avoid an unintended gap.