Why Do You Need Health Insurance for a 485 Visa?
The Subclass 485 Temporary Graduate Visa allows international students to stay and work in Australia after completing their studies. However, health insurance is a mandatory requirement for this visa, as temporary visa holders are not eligible for Medicare (unless from a country with a Reciprocal Health Care Agreement).
Having 485 visa health insurance ensures that you have access to quality healthcare services, avoid unexpected medical expenses, and meet visa conditions set by the Department of Home Affairs.
Who Needs Health Insurance for a 485 Visa?
If you are applying for or holding a 485 Temporary Graduate Visa, you must maintain adequate health insurance for:
✅ Graduate Work Stream – For recent graduates with skills relevant to Australia's workforce.
✅ Post-Study Work Stream – For international students who completed a degree in Australia.
✅ Second Post-Study Work Stream – For students from regional areas extending their stay.
Important: You must have health insurance before applying for the 485 visa and keep it active throughout your stay.
What Does 485 Visa Health Insurance Cover?
A suitable 485 visa health insurance policy should include:
✔ Doctor visits & specialist consultations
✔ Hospital & emergency treatment
✔ Surgery & medical procedures
✔ Prescription medications
✔ Ambulance services
✔ Overseas Visitor Health Cover (OVHC) to meet visa requirements
Some policies also offer additional benefits, such as dental, optical, and physiotherapy coverage.
How to Choose the Best Health Insurance for Your 485 Visa?
When selecting your 485 visa health insurance, consider:
✅ Meeting visa requirements – Your policy must comply with Australian immigration health insurance rules.
✅ Comprehensive coverage – Ensure it covers public and private hospitals.
✅ Cost-effectiveness – Choose a plan that balances affordability with good coverage.
✅ Family coverage – If bringing dependents, ensure your policy includes spouse and children.
Can 485 Visa Holders Access Medicare?
Most 485 visa holders are not eligible for Medicare. However, if you are from a country with a Reciprocal Health Care Agreement (RHCA) (such as the UK, New Zealand, or some European nations), you may receive limited Medicare benefits.
To stay fully protected, private health insurance is essential.
Why Choose Us for 485 Visa Health Insurance?
✔ Tailored health insurance plans for temporary graduates
✔ Affordable premiums with extensive coverage
✔ Instant insurance certificate for your visa application
✔ Coverage for individuals, couples & families
✔ 24/7 customer support for claims and assistance
Get Your 485 Visa Health Insurance Today!
Ensure a smooth transition from student to working life in Australia with the right health insurance plan for your Subclass 485 Visa. Contact us now for a free quote and expert guidance!
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