Government Information on 485 Visa Applicants

If you are applying for a 485 visa, you are required to hold adequate health insurance cover for you and your family members for the entire duration of your stay as per the Australian Government regulations. 485 visa will be granted subject to 8501 OVHC visa condition. This condition requires you to keep the health insurance as long as you hold the visa and it must meet the minimum level of coverage required by Immigration. Obtaining insurance does not guarantee that your visa application will be approved.

If you are applying for a 485 visa from outside Australia, you must provide evidence that you have arranged a health insurance policy at the time you lodge your application.

Once you have purchased a policy, you will receive a letter from the health insurance provider confirming you have a insurance policy that meets the 485 visa requirements. Please note that you are responsible to submit the health insurance policy document to the Department of Home Affairs as an evidence at the time of lodging 485 visa.

For more information on the Subclass 485 visa health insurance requirements, visit Department of Home Affairs - Visa 485 website.

Reciprocal Health Agreement

Some countries have a reciprocal health agreement with Australia, which helps the residents to avail some level of subsidised health cover benefits. You may apply for an exemption from the OVHC condition if you are covered under the reciprocal health agreement, which will be assessed by the department on individual basis. Currently these countries are United Kingdom, Sweden, Belgium, Finland, Italy, Malta, the Netherlands, Slovenia, the Republic of Ireland, Norway and New Zealand.

If you do not comply with the Immigration requirement to have OVHC policy or you cancel your cover, the insurance provider may give information to the Australian government and your visa may be cancelled.