Comprehensive Guide to Medibank OVHC and 485 Visa: Benefits, Quotes, and Coverage

Planning to extend your stay in Australia after you have completed your course as a student? Well, as great of a piece of news as that is, it is important to revisit new requirements for your protection that also comply with your visa. As you are no longer on a student visa, and rather on a 485 visa, your OSHC won’t be valid and compliant anymore. You must now get an OVHC cover from Medibank or any other provider you trust. OVHC is essential for the Temporary Graduate visa (subclass 485):

  • Visa Condition: Condition 8501 in your visa specifies and mandates you to have and maintain adequate health insurance for the course of your entire stay. 

  • Visa Approval: In case of not having an adequate OVHC, the Department of Home Affairs will most likely not approve your visa application. OVHC has to be bought before submitting the visa application.

  • Visa Compliance: If you hold a 485 visa and fail to maintain a



  • n adequate OVHC while in Australia, it could lead to the cancellation of your visa. 

  • Financial Responsibility: You are responsible for taking care of your health care costs while you stay in Australia. OVHC acts as an aid by helping cover these costs. 

  • Access to Medical Care: OVHC covers hospitalisations, doctor visits, and emergency services, ensuring you can easily access necessary medical care while you stay in Australia.


Understanding Visa 485

Subclass 485 is a Temporary Graduate Visa. It lets recently graduated international students live, study and work in Australia temporarily. The streams of this visa subclass are- Graduate Work, Post-Study Work and Second Post-Study Work. These streams determine the duration of your stay in Australia. The eligibility criteria for this visa subclass-

  • You should not be over 35 years of age (Certain exceptions may apply to applicants up to 50 years of age).

  • Should have been a student visa holder in the last 6 months.

  • Should be recently qualified in a course registered under CRICOS.


Getting an OVHC                                 

There are various providers who are registered and experienced to assist you through this process. Medibank is one of the reliable providers for the 485 visa. Medibank OVHC offers basic and comprehensive plans. The basic plan provides standard coverage, while you can choose add-ons to a comprehensive plan based on your preference. You can compare these plans by filling in basic details about your visa and get Medibank quotes on their website. 

Interested in exploring and comparing options from other top providers? We’ve got this for you! Budget policy is your one-stop solution to compare quotes from top providers- nib, BUPA, Allianz Care, Medibank, and AHM. Comparing will give you better insights and clarity. You might also be eligible for added perks if you buy your policy through us.


Perks of Choosing Medibank

If you decide to go ahead with the OVHC offered by Medibank for 485 visa, you can benefit from-

  • Comprehensive health cover that provides better coverage compared to the basic plan.

  • 24/7 support to address any queries you have.

  • Swift, compliant and easy claiming process.


What to Expect to be Covered

If you are considering OVHC by Medibank, you can expect the following based on your plan-

If you are choosing a basic plan, it will cover Hospital visits, ambulance and Doctor/GP consultations. However, in a comprehensive plan, you will be able to choose extras like dental, optical, physiotherapy, and more.

Note that some procedures, like cosmetic surgery, cannot be covered even under a comprehensive plan.
Access your needs and budget before you make the final decision.


Get Assistance with Budget Policy

Need help accessing and choosing the best cover? Our expert agents can streamline things and give better insights. They will guide you by suggesting the most appropriate option after they have analysed your requirements. 

Make the right choice with us today!


FAQs

  1. Is OVHC compulsory for all visitors?

  • Unlike OSHC, OVHC is not a mandated visa requirement for most visa subclasses. However, for some visas like 485, it is a mandatory requirement stated under rule 8501. We, however, suggest visitors get an OVHC for their protection even if it ain’t a visa requirement.


  1. Can I cover my pre-existing ailment under OVHC?

  • Yes, it is possible to do so, however, the claims in such cases can only be made after serving a certain waiting period.


  1. What are inpatient and outpatient services?

  • The treatment received after being admitted to a hospital for serious cases is Inpatient service; on the other hand, outpatient services also involve being treated in a hospital, but the patient does not require to get admitted.


  1. Can I switch a basic cover to a comprehensive one?

  • Yes, you can do so. Your provider might allow you to change or switch your cover type. 


  1. How do I compare different OVHC policies?

  • You can compare different policies from top providers using the comparison tool on budget policy’s website. All you need to do is fill in the required details, and you will be able to compare various quotes that comply with your visa.

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