If you’ve recently graduated from an Australian institution and are applying for a Temporary Graduate (subclass 485) visa, securing the right health insurance is one of the most important steps in your journey.
The Department of Home Affairs requires all 485 visa holders to maintain adequate health cover for the duration of their stay. But with so many options available, how do you choose the best 485 visa health insurance in 2025?
In this guide, we’ll walk you through everything you need to know, from understanding visa requirements to comparing policy features, costs, and providers, so you can make a confident and informed decision.
Understanding 485 Visa Health Insurance Requirements
The 485 visa allows international graduates to live, study, and work in Australia temporarily after completing their studies. However, one of the key eligibility criteria is having adequate health insurance.
The Department of Home Affairs specifically requires you to have Overseas Visitor Health Cover (OVHC) that meets or exceeds the level of coverage offered by Medicare. Standard travel insurance or student cover (OSHC) won’t meet these requirements once your student visa expires.
In short, you must switch from OSHC to OVHC when applying for your 485 visa, and the policy must remain valid for the entire duration of your visa period typically between 18 months and 4 years, depending on your qualification.
What to Look for When Comparing 485 Visa Health Insurance
Choosing the best 485 visa health insurance in 2025 isn’t just about finding the cheapest premium. You need to balance cost, coverage, and reliability. Here are the key factors to consider:
Comprehensive Hospital Cover
Look for a policy that includes hospital treatments, accommodation, and emergency services. You should also check if your insurer covers day surgeries, specialists’ fees, and ambulance costs.
Extras Cover (Optional but Valuable)
Some policies also include “extras” such as dental, optical, or physiotherapy. While not essential for visa compliance, extras can be useful if you plan to stay long-term and want better overall health support.
Waiting Periods
Many insurers have waiting periods before you can claim certain services. Compare these across providers — for example, pregnancy or dental benefits might require 12 months of continuous cover.
Reciprocal Health Agreements
If you’re from a country that has a Reciprocal Health Care Agreement (RHCA) with Australia, you may have access to Medicare for certain services. However, you’ll still need private insurance to meet visa requirements and cover what Medicare doesn’t.
Visa Compliance
Always confirm that your policy specifically meets 485 visa requirements. Reputable providers will explicitly state this on their website.
24/7 Support and Easy Claims
Look for insurers that provide 24/7 assistance, digital claim processing, and a strong reputation for customer service. As an international graduate, convenience and clear communication matter.
How Much Does 485 Visa Health Insurance Cost in 2025?
Premiums vary depending on your age, level of cover, and whether you’re single, a couple, or a family. On average:
- Single cover: from around $90 to $160 per month
- Couple cover: from around $180 to $300 per month
- Family cover: from around $250 to $400 per month
Paying annually or bundling extras can sometimes reduce overall costs. Always review the Product Disclosure Statement (PDS) for full details before purchasing.
Final Thoughts
Choosing the best 485 visa health insurance in 2025 doesn’t have to be stressful. Focus on compliance first, then balance cost and benefits to suit your lifestyle. The right policy will give you peace of mind and allow you to enjoy your Australian experience without worrying about medical costs.
Remember, your health is your most valuable asset, so take the time to compare, review, and choose wisely.
