485 Visa Insurance – Budget Hospital Cover for Singles

Overseas Visitor Health Cover (OVHC) Insurance is compulsory for all applicants of the Temporary Graduate Visa (subclass 485) Scheme.

We have selected the best budget policies that meet the Department of Immigration and Border Protection’s minimum standards.

Compare Budget Hospital Cover below:

Meets 485 Visa Requirements

HOSPITAL COVER

Excess on Hospital Stays (per person annually)

Stay in Public Hospitals

Stay in Private Hospitals

Rehabilitation

In-Hospital Pharmacy

Pregnancy & Maternity Services

IVF & Reproductive Services

Pre-Existing Conditions

Outpatient Services

OTHER BENEFITS

Doctors' Fees

Ambulance Cover

Repatriation to Home Country

Funeral Cover

PBS Pharmaceutical Prescriptions

EXTRAS COVER

Rebate on Extras

Dental - General

Dental - Major

Dietetics

Optical

Physiotherapy/Osteopathy/Chiro

Podiatry

Extras Waiting Period

Budget
Visitor Cover

$73.23 / mth

Best Value

Minimum Working Visa Cover

$75.00 / mth

Budget Workers
Cover

$86.55 / mth

Basic
Working Visa

$71.60 / mth

Essential
Visitors Cover

$109.62 / mth

NO EXCESS

2 month waiting period

2 month waiting period

Reduced Benefits paid, 12 month waiting period

12 month waiting period

When medically necessary

up to $20,000

Not Applicable

Not Applicable

$500 Excess

co-payment on private rooms

co-payment on private rooms

2 month waiting period

12 month waiting period

12 month waiting period

Emergency only

up to $20,000

up to $5,000

Not Applicable

Not Applicable

NO EXCESS

Shared Room Only

2 month waiting period

Public Hospital only. 12 month waiting period

12 month waiting period

When medically necessary

up to $20,000

Not Applicable

Not Applicable

$500 Excess

Shared room only

Shared room only

2 month waiting period

12 month waiting period

12 month waiting period

up to $4,000

up to $4,000

Not Applicable

Not Applicable

NO EXCESS

2 month waiting period if pre-exising

2 month waiting period

12 month waiting period

12 month waiting period

12 month waiting period

up to MBS Fee

up to $100,000

up to $100,000

Not Applicable

Not Applicable

Minimum Working Visa Cover by Frank provides excellent value

Our March 2019 comparison of 485 visa health insurance policies found that Frank Minimum Working Visa Cover is the best value Budget Hospital Cover for people on working visas

The benefits of Frank’s Minimum Working Visa Cover are that it:

  • Is very competitively priced
  • Meets Department of Immigration and Border Patrol for the minimum health insurance level for the 485 visa
  • Covers private hospital rooms (with a co-payment)
  • Includes both funeral and repatriation cover
  • Covers Pregancy and Maternity in both public and private hospitals

The biggest disadvantage of this cover is that it has a hospital admissions excess, plus an additional co-payment for private rooms. It also does not cover doctors fees.

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What about Policies with No Excess?

IMAN’s Budget Visitor Cover has no excess on hospital visits and is also recommended for those who prefer private hospital rooms.

It provides:

  • NO excess or co-payments
  • A high level of cover for the price
  • Private room accommodation in both public and private hospitals
  • Up to $20,000 of funeral cover
  • Ambulance Cover (when medically necessary)

The disadvantages of IMAN’s Basic Working Visitor Cover are that it doesn’t cover doctor’s fees, and Pregnancy & Maternity Services are NOT covered in private hospitals.

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