485 Visa Insurance – Budget Hospital & Extras Cover for Families

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

We have selected the best policies that not only meet the Department of Immigration and Border Protection’s minimum standards, but also provide cover for extras (out-of-hospital treatments) at a budget price.

Compare Budget Hospital & Extras policies 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

Other Information

Basic Working
Visitor Cover

$281.65 / mth

Best Value

Basic Working Visa
& Saver Options

$278.00 / mth

Essential Visitors
& Silver Extras

$406.58 / mth

NO EXCESS

2 month waiting period

2 month waiting period

Reduced Benefits paid, 12 month waiting period

When medically necessary

When medically necessary

$500 limit

Fixed price, amounts vary

2 months

Limits are per person annually

$500 Excess

Shared room only

Shared room only

2 month waiting period

12 month waiting period

12 month waiting period

up to $20,000

Emergency only

up to $4,000

Combined $350 limit (a)

Fixed price, amounts vary

$750 limit

Combined $350 limit (a)

$110 limit

Combined $350 limit (a)

Combined $350 limit (a)

Major Dental: 12 mths
Most Extras: 2 months

Limits are per person annually

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NO EXCESS

Shared Room Only

2 month waiting period

12 month waiting period

12 month waiting period

up to MBS Fee

up to $20,000

When medically necessary

up to $100,000

$500 limit

Fixed price, amounts vary

$350 limit

$150 limit

$350 limit

Major Dental: 12 mths
Most Extras: 2 months

Limits are per person annually

Basic Working Visa & Saver Options by HIF is the Best Value Budget Hospital & Extras Cover

Our March 2019 comparison of 485 visa health insurance policies found HIF Basic Working Visa & Saver Options to have superior Budget Hospital & Extras Cover

HIF’s Basic Working Visa & Saver Options:

  • Is substantially cheaper than equivalent cover from competitors
  • Meets Department of Immigration and Border Patrol for the minimum health insurance level for the 485 visa
  • Offers public and private hospital accommodation (shared rooms only)
  • Provides the paperwork required to apply for a 485 Temporary Graduate Visa
  • Covers doctors’ fees
  • Provides full cover for Pregnancy & Maternity Services (after waiting period)

The reasons why HIF Basic Working Visa & Saver Options is cheaper than the the alternatives is that they charge a $500 excess for hospital admissions, and hospital accommodation is covered for shared rooms only.

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What If Don’t Want To Pay An Excess?

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

It provides:

  • A high level of cover for the price
  • Private room accommodation in both public and private hospitals
  • Up to $20,000 of funeral cover
  • Cover for the cost of PBS Pharmaceutical Prescriptions up to $500 per person

The disadvantage of IMAN’s Basic Working Visitor Cover is that it doesn’t cover doctor’s fees and has very limited extras cover. Also, Pregnancy & Maternity Services are only covered in public hospitals.

Visit IMAN