Health Insurance for 485 Visa Holders

 

A 485 visa holder can study, work and live in Australia for up to 5 years. It is necessary to maintain adequate health insurance. Overseas Visitor Health Cover (OVHC) policy covers unexpected medical expenses in case of getting injured or sick during the stay in Australia. The minimum health insurance for 485 visas is up to 3 months; the maximum depends on a person’s situation. It is also called a temporary graduate visa.

All 485 visa holders must purchase an OVHC health insurance policy to meet the visa requirements. Subclass 485 visa holders of both graduate and post-study work streams must satisfy visa condition 8501.

The overseas students going to Australia on a subclass 500 study visa must change their visa type from subclass 500 to 485 after completing their studies and move from Overseas Students Health Cover (OSHC) to a working Overseas Visitor Health Cover (OVHC) health insurance policy.

Benefits

The OVHC policy will cover the following.

• Public hospital treatment, including overnight accommodation and theatre fees in an Australian State/Territory
• Private hospital treatment
• Emergency department fees
• A person can choose a doctor according to themselves
• Admitted patient care and postoperative services
• Surgically implanted prostheses
• No excess or gap payment
• Pharmaceutical Benefits Scheme (PBS) listed medicines, drugs, medical services and ambulance services, including inter-hospital transfer
• Medical services with a Medicare Benefits Schedule (MBS) item number are essential with ambulance services
• Extras benefits include optical, dental, physio, chiro, natural therapies, podiatry, psychiatric treatment and more

Under the OVHC health insurance policy, the benefits above cover the person’s medical expenses and can save money in the long run.

How does 485 Visa Health Insurance Policy Work for Couples and Families?

 

• Suppose a person is bringing their partner or family with them on a 485 health insurance. In that case, everyone needs to be covered by an appropriate OVHC health insurance policy.
• A family or couple health insurance policy is worth considering; it provides better value than buying separate policies and offers added benefits over a basic OVHC policy.
• A person with dependent children under 18 will cover a family health insurance policy.

Choose the Best OVHC Policy

 

• Choosing the best OVHC policy depends on a person’s age, health and lifestyle. However, it is good to compare policies from multiple providers, but it is better to buy the one with maximum benefits rather than jumping to the cheapest option.
• A person can visit the Budget Policy website to check and compare more OVHC health insurance options. The company works as a third party and provides high-quality services to its clients, and helped thousands of people to choose the most suitable one.
• Budget Policy is a registered and one of the most trusted companies in Australia and is associated with many health insurance providers. It offers policies at a price lower than the market.