485 Visa Insurance – Top Hospital & Extras Cover for Families

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

The policies on this page provide the highest level of cover for In-Hospital treatments and Extras cover.

Compare Top 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

Top
Visitor Cover

$843.57 / mth

Great Value

Comprehensive WV
& Super Options

$550.95 / mth

Platinum
Visitors Cover

$759.34 / mth

NO EXCESS

2 month waiting period

2 month waiting period

Reduced Benefits paid, 12 month waiting period

Reduced Benefits paid, 12 month waiting period

12 month waiting period

When medically necessary

up to $20,000

Fixed price, amounts vary

Combined $1,000 limit (a)

Combined $1,000 limit (a)

Combined $1,000 limit (a)

Combined $1,000 limit (a)

$1,000 limit

Combined $1,000 limit (a)

Major Dental: 6 mths
Most Extras: 2 months

Limits are per person annually

$500 Excess

2 month waiting period

12 month waiting period

12 month waiting period

12 month waiting period

up to MBS fee

up to $20,000

Emergency only

up to $8,000

$200 limit

Fixed price, amounts vary

$1,150 limit

$900 limit

$324 limit

$260 limit

$900/$550/$550 limit

$354 limit

Major Dental: 12 mths
Most Extras: 2 months

Limits are per person annually

NO EXCESS

Shared Room Only

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

combined $500 limit (b)

90% of cost

Combined $1200 limit (a)

Combined $1200 limit (a)

combined $500 limit (b)

$300 limit

$550 limit

combined $500 limit (b)

Major Dental: 12 mths
Most Extras: 2 months

Limits are per person annually

Comprehensive Working Visa & Super Options by HIF offers excellent value

Our March 2019 comparison of 485 visa health insurance policies found HIF Comprehensive Working Visa & Super Options to have the best value Top Hospital & Extras Cover. We highly recommend it for those looking to start families.

HIF’s Comprehensive Working Visa & Super Options:

  • Is considerably cheaper than equivalent cover from competitors
  • Meets Department of Immigration and Border Patrol for the minimum health insurance level for the 485 visa
  • Covers both IVF and Pregnancy/Maternity Services (after waiting period)
  • Provides cover for outpatient services
  • Includes cover for doctors’ fees

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. The biggest disadvantage of this policy is that there is a $500 excess payable for each hospital admisson (up to a maximum of $1000 per family per year). It also does not include funeral cover.

Visit HIF

 

Can I Get Cover with No Excess?

IMAN’s Top Visitor Cover has no excess on hospital visits and also has higher limits on extras cover.

It provides:

  • Cover for both General and Major Dental
  • Private room accommodation in both public and private hospitals
  • Up to $20,000 of funeral cover
  • Cover for the cost of PBS Pharmaceutical Prescriptions

IMAN’s Top Visitor Cover policy doesn’t cover doctor’s fees, outpatient services or IVF. Pregnancy & Maternity Services are only covered in public hospitals.

Visit IMAN