Bupa 485 Visa Insurance (OVHC) Policies

Bupa is one of the oldest health insurers in Australia, having been established in 1947. They are also one of the largest providers of OVHC Insurance, which is required by most people on working visas in Australia, including 485 Visas

Do Bupa OVHC Policies Meet the 485 Skilled Graduate Visa requirements?

Yes, all Bupa OVHC policies satisfy the Australian Government’s requirement for 485 visa holders to have adequate health insurance.

Do Bupa OVHC Policies cover Public Hospital admissions?

Yes. When admitted to a public hospital, you will be covered for inpatient charges, including accommodation, surgery and most other costs.

Are you covered for Private Hospital Admissions with Bupa OVHC insurance?

Bupa has an extensive network of Agreement Hospitals where your level of cover is equivalent to your level of cover in Public Hospitals. However, if you are admitted to a non-agreement hospital, you are only eligible for a reduced level of cover, which will most likely leave you significantly out of pocket.

Where can I find out if a hospital or day surgery has an agreement with Bupa?

You can look them up on Bupa’a provider finder at https://bupa.com.au/find-a-provider

Do Bupa OVHC policies guarantee a private room for hospital admissions?

As long as it is requested at least 24 hours in advance, a private room will usually be allocated to you in any of Bupa’s Network Hospitals

How do Bupa’s OVHC policies for 485 visa holders compare to competitors’ products?

Private Hospital Admissions

Unlike Australian Unity, all Bupa 485 insurance policies listed on our site provide cover for private hospital admissions. They are also one of the only providers to provide a guarantee for access to a private room on most policies. However, as with Allianz policies there is a significant reduction in coverage if you are admitted to a non-agreement private hospital.

Pregnancy and Maternity Services

Bupa offers the most comprehensive Pregnancy and Maternity cover of any provider in the market. Even their budget hospital policies cover you in public hospitals and network hospitals, which is unmatched in the market.

Rebates on Extras

Similar to Frank’s policies, most Bupa extras policies give you the certainty of being covered for a fixed percentage of the costs up to the category limit. These rebates range from 50%, all the way up to 90%, depending on your level of cover. This is a different model to those used by Iman and HIF, who offer fixed rebates on a per-item basis, on top of the category limits.

What are the waiting periods for Bupa 485 Insurance policies?

• 2 months for Psychiatric treatment, rehabilitation and palliative care
• 12 months for maternity and birth related services
• 12 months for pre-existing conditions

When do waiting periods apply to OVHC policies?

Waiting periods apply to some treatments for:

1. First-time policy holders
2. People upgrading from a lower level of cover