485 Visa Insurance – Top Hospital Cover for Singles

We compared Overseas Visitor Health Cover (OVHC) policies to bring you the policies that provide the highest level of Hospital Cover.

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

Compare Top Hospital 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

Budget
Visitor Cover

$73.23 / mth

Best Value

Minimum Working Visa Cover

$75.00 / mth

Mid Workers
Cover

$122.05 / mth

Comprehensive Working Visa

$196.00 / mth

Gold
Visitors Cover

$255.86 / 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

Shared Room Only

2 month waiting period

Public Hospital only. 12 month waiting period

12 month waiting period

up to $300

up to $20,000

When medically necessary

up to $20,000

up to $300

Not Applicable

Not Applicable

$500 Excess

Shared room only

Shared room only

2 month waiting period

12 month waiting period

12 month waiting period

12 month waiting period

up to MBS fee

up to $4,000

up to $8,000

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

485 Visa Health Insurance By Frank provides comprehensive cover for a great price

Our March 2019 comparison of 485 visa health insurance policies found that Frank Minimum Working Visa Cover is great value and provides a high level of Hospital Cover.

Frank’s Minimum Working Visa Cover:

  • Is very cheap for the level of cover it provides
  • Provides better pregnancy cover than some more expensive products
  • Covers private hospital rooms (with a co-payment)
  • Offers ambulance cover (for emergencies only)
  • Includes funeral cover

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 outpatient services, IVF or doctors fees.

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What if I don’t Want to Pay an Excess on Hospital Admissions?

IMAN’s Budget Visitor Cover has no excess on hospital visits and will cover the cost of private hospital rooms.

It provides:

  • Hospital Cover without an excess or co-payments
  • Comparatively good value
  • Private room accommodation in both public and private hospitals
  • Up to $20,000 of funeral cover
  • Ambulance Cover (when medically necessary)

Compared to some other top hospital policies, IMAN’s Basic Working Visitor Cover provides a lower level of cover. Doctors’ fees, Outpatient Services and PBS Pharmaceuiticals are not included in this policy, and Pregnancy & Maternity Services are only covered for public hospitals.

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