Health Insurance for 485 Visa

You must have appropriate and adequate health cover before you lodge application for 485 visa, and to be granted visa 485. Your insurance cover should cover you as well as any dependent family members for medically necessary treatment, including transport.

485 Visa Health Insurance Requirements

To satisfy health insurance requirement for subclass 485 visa, the application will need to have been accompanied by evidence that the primary applicant, at the time the Subclass 485 visa application was made:

• Had adequate arrangements in Australia for health insurance; and
• Has had adequate arrangements in Australia for health insurance since the time the Subclass 485 visa application was made. That is, to cover the period between when the visa application was made and when a decision is made on the application.

The requirement to have adequate arrangements for health insurance in Australia for the duration of the applicant’s stay will be enforced through the imposition of condition 8501 on all Subclass 485 visa holders.

Applicants who are also Student visa holders may present evidence of a valid Overseas Student Health Cover (OSHC) policy at time of visa application. If the applicant moves from their Student visa to a bridging visa when their Student visa ceases, they will be required to obtain a non-OSHC policy to meet the health insurance requirement for their Subclass 485 visa application immediately after their OSHC ceases.

If the applicant’s student visa is still valid at the time of decision for their Subclass 485 visa application and they have not obtained non-OSHC health insurance, the department may request evidence of adequate arrangements for health insurance from the applicant as the applicant’s OSHC will cease to provide cover when the Subclass 485 visa is granted, and the student visa ceases as a result of this visa grant.

If the applicant is not a student visa holder when they make their application, OSHC is not acceptable evidence of health insurance.

If an applicant is applying for a Subclass 485 visa from outside Australia as a subsequent entrant, or applying from outside Australia as a primary applicant during a concession period, they must provide evidence that they have a health insurance policy at the time they make their visa application and at the time of decision for that application. This health insurance cover may commence from the time they arrive in Australia.

485 Visa Health Insurance for Subsequent Entrant

If an applicant is applying for a Subclass 485 visa from outside Australia as a subsequent entrant, or applying from outside Australia as a primary applicant during a concession period, they must provide evidence that they have a health insurance policy at the time they make their visa application and at the time of decision for that application. This health insurance cover may commence from the time they arrive in Australia.

485 Visa Health Insurance Compare

The following insurance providers can provide health insurance that you may need and that will satisfy the requirements for the grant of subclass 485 visa.

485 Visa Health Insurance Bupa

Bupa provides Essential Lite insurance cover that is most suitable for subclass 485 visa.

485 Visa Health Insurance Allianz

Budget Working Cover is the most appropriate cover from Allianz for subclass 485 visa.

485 Visa Health Insurance Medibank

Medibank's Overseas Workers Base Hospital cover is suitable for subclass 485 visa applicants.

485 Visa Health Insurance Nib

Budget cover from Nib will satisfy the requirements for the grant of subclass 485 visa.

Who Offers Cheapest Health Insurance for 485 Visa?

HCF offers one of the cheapest health insurance, although you should also check the coverage it provides.

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‍Disclaimer: ‘Atlantis International Pty Ltd’ and its associates are independent consulting entities which are not associated in anyway with the Australian ‘Department of Home Affairs’ (DOHA). Information on this website does not constitute personal migration advice. For a customized migration advice based on your personal circumstances, please call and talk to one of our Immigration Consultants or register your interest with our Associates.