Essential Requirements for 485 Visa Health Insurance Plan

International students studying in Australia must apply for a temporary graduate subclass 485 visa after completing their course. Now, what is a subclass 485 temporary graduate visa? We will walk you through its meaning and the essential application requirements.

485 Temporary Graduate Visa – Meaning

International students can study, work, and live with the 485 temporary graduate visa in Australia for a specific time after graduating from any registered university or educational institution in Australia.

However, this is not it. All international students will need to buy overseas health insurance for themselves and for families if they are included in their visas. 

If you are applying for this visa, you must apply for it at least 3 months before your student visa expires. The reason is that visa processing takes time, so it is better to apply before than on time to avoid delays. Along with the visa, you must also purchase your health insurance for visa 485. 

The following three visa categories will determine your stay in Australia namely, 

• Graduate Work
• Post-Study Work
• Second Post-study Work

The following is a list of eligibility criteria for a temporary graduate subclass 485 visa: 

• The applicant must be younger than 50 years of age
• The applicant must hold a valid visa
• The applicant must have held a student visa for the last 6 months
• The applicant must qualify for a CRICOS-registered program
• The applicant cannot change the visa type; therefore, he can nominate one stream only 
• The applicant must provide all the necessary documents and proofs during the visa application. 

Subclass 485 Visa Health Insurance Plan in Australia

It is necessary for all international students applying for the subclass 485 visa to purchase an Overseas Student Health Cover - OSHC so that their visa requirements are met. The applicants for the subclass 485 visa under the category - Graduate work stream and Post-Study work stream have to meet all visa conditions 8501, which asks the applicant to purchase the overseas health insurance policy.

Subclass 485 visa condition 8501 requires international students to show they have purchased the overseas health insurance plan for their stay in Australia. 

What does an adequate health insurance policy cover? 

Subclass 485 visa health insurance policy should involve benefits as follows:

• The applicant can avail of public hospital treatment in Australia.
• The applicant is eligible for surgically implanted prostheses.
• The applicant can purchase medicines enlisted under Pharmaceutical Benefits Scheme (PBS).
• The applicant can avail of medical services.
• The applicant can avail of emergency ambulance services and inter-hospital transfers.

Considering these benefits, you can choose the best policy that fits your needs. However, the health insurance policy will depend on your healthcare needs. So, understand them first and then look for various policies available in the market. 

Subclass 485 Visa Health Insurance Requirements:

International students with subclass 485 temporary graduate visas can live up to 4 years in Australia.

To meet subclass 485 visa health insurance requirements, the applicant must provide valid proof as follows: 

• The applicant should provide evidence of the overseas health insurance policy he purchased for his stay in Australia.  
• The applicant should provide the adequate arrangements he has made in Australia for health insurance since he commenced the application process.

Both situations show a time between when the application commenced and when the application is being processed. The time is known as the time of decision.

Subclass 485 visa health insurance requirements for the secondary applicant are similar to those mentioned above.

Lastly, Always Compare your Insurance Plans before Buying 

Buying something without proper research is a complete waste of time and money. Imagine you have purchased something very important or valuable, and after some time you late you come to know that the thing is not worth the price you paid for it. Well, not everybody can afford to be in such a situation.

Therefore, it is best advised to always compare your health insurance policies before buying one. If you wish to stay in Australia after your studies are completed, Budget Policy has the best solutions for all your 485 temporary graduate visa requirements. 

Choosing the policy that best fits your medical needs will save you money and the overhead costs that you might have paid otherwise. Contact our experts and get fast quotes, and detailed information about your query, after which you can decide the policy you want to go ahead with. Make your health insurance for Visa 485 purchase a seamless experience with Budget Policy.