485 health insurance prices compared
The table below uses the current Policy Direct comparison prices for the five insurers shown on our 485 comparison page. They are arranged from lowest to highest monthly premium.
| Insurer | Indicative price | Product details | Quote |
|---|---|---|---|
| AIA Health | 59.35/month | Details | Get Quote |
| nib | 68.76/month | Details | Get Quote |
| Medibank | 72.30/month | Details | Get Quote |
| Allianz Care | 72.50/month | Details | Get Quote |
| Bupa | 108.85/month | Details | Get Quote |
Is the cheapest 485 health insurance the right choice?
Not necessarily. A lower monthly premium can be useful if your priority is keeping costs down, but two policies at different prices may provide different hospital and medical benefits or apply different excesses, exclusions and waiting periods. The appropriate comparison is therefore the premium and what you receive for it.
Visa suitability
Check that the particular cover you choose is suitable for your subclass 485 circumstances and any health-insurance condition attached to your visa.
Hospital excess
A policy with a lower premium may have an excess payable when you are admitted to hospital. Compare this alongside the monthly price.
Medical services
Check whether the product includes outpatient services such as GP consultations, specialists, pathology or radiology, rather than assuming every OVHC product covers them in the same way.
Waiting periods
Waiting periods can apply to certain treatments and pre-existing conditions. If you are switching from another Australian health insurer, ask whether previously served waiting periods can be recognised.
485 visa health insurance and condition 8501
The Department of Home Affairs states that condition 8501 — maintain adequate health insurance — might be attached to the Temporary Graduate (subclass 485) visa. You should check your own visa grant letter or VEVO rather than relying only on a general comparison page.
Moving from OSHC to 485 health cover
Students moving from a Student visa to a Temporary Graduate visa commonly need to move away from Overseas Student Health Cover (OSHC) to an appropriate working-visitor or overseas-worker health cover. The timing matters: arrange suitable cover for the new visa application and avoid an unintended gap in health insurance.
How Policy Direct compares 485 cover
Our comparison is designed to let you review AIA Health, nib, Medibank, Allianz Care and Bupa in one place. Start with price, then open the individual provider page to review the key cover information and follow the insurer quote link for the current premium and full terms.
Compare all five 485 insurers
See the current Policy Direct comparison, provider details and available offers.
Compare 485 Health InsuranceFrequently asked questions
What is the cheapest 485 visa health insurance on this comparison?
Based on the indicative prices currently displayed by Policy Direct, AIA Health is shown at 59.35 per month. Prices can change, so compare the current figures and confirm the live quote before purchasing.
Should I choose 485 insurance based only on price?
No. Compare policy benefits, hospital excess, medical services, waiting periods, exclusions and suitability for your circumstances as well as the premium.
Why can 485 health insurance prices change?
Insurers can change premiums and products, and your actual price can depend on the cover and membership details selected. Always check the live insurer quote.
Does a lower premium always mean less cover?
Not necessarily. Product structures differ between insurers, so compare the actual benefits, excesses, exclusions and limits rather than judging cover from price alone.
What is a hospital excess?
A hospital excess is an amount you may need to pay when admitted to hospital under the policy. Check the applicable excess for the exact product you are considering.
Do waiting periods apply to 485 health insurance?
Waiting periods may apply to particular treatments, services or pre-existing conditions. Check the insurer's current policy documents before purchasing.
Can previous waiting periods be recognised when I switch insurer?
Transfer arrangements vary. Ask the new insurer whether previously served waiting periods can be recognised and what evidence they require.
Can I change insurer after buying 485 health cover?
You can generally change health insurers, but check transfer rules, waiting periods and start dates so you understand how the change affects your cover.
Does every 485 visa holder have condition 8501?
Visa conditions can depend on the individual visa. Check your own visa grant letter or VEVO for the conditions that apply to you.
What should I compare besides the monthly premium?
Compare hospital benefits, outpatient medical benefits, ambulance, excesses, waiting periods, exclusions, limits and the insurer's current product documents.
Can I move from OSHC to OVHC for a 485 visa?
People moving from a Student visa to a Temporary Graduate visa commonly consider an appropriate overseas worker or visitor health cover product. Check the timing and suitability for your circumstances.
When should my new 485 health cover start?
Your start date should be arranged so that your insurance position is appropriate for your visa application and circumstances and does not create an unintended gap in cover.
Are the prices on this page guaranteed?
No. They are indicative comparison figures. The insurer's live quote is the price to check before purchasing.
Are promotions included when deciding which policy is cheapest?
Promotions can be temporary and subject to eligibility and terms. Compare the underlying premium and cover as well as any current offer.
Where can I compare all five 485 providers?
Use the Policy Direct 485 comparison page to review AIA Health, nib, Medibank, Allianz Care and Bupa together, then open each provider page for more detail.
General information only. Policy information, prices and promotions can change. Always review the insurer's current product information and terms before purchasing. Visa information is general and should be checked against your individual visa conditions.