Moving from OSHC to OVHC After Graduation: Complete Guide for 485 Visa Applicants - Year 2026

Moving from OSHC to OVHC After Graduation: Complete Guide for 485 Visa Applicants

Introduction

After completing your studies, you may decide to stay in Australia on a Temporary Graduate Visa (Subclass 485). While OSHC is required for student visas, graduates must switch to Overseas Visitors Health Cover (OVHC).

This transition is mandatory, and failing to maintain adequate health insurance could disrupt your visa process.

Why You Cannot Keep OSHC After Graduation

OSHC is designed for students. Once you are no longer enrolled, the policy is no longer valid for your new visa type. The Department of Home Affairs requires OVHC for graduates.

Differences Between OSHC and OVHC

• OVHC includes more general treatment options
• Different levels of hospital cover
• No student-specific price reductions
• More choices for extras such as dental and optical
• Designed for working visa holders, not students

How to Transition Smoothly

1. Confirm your OSHC end date.
2. Arrange your OVHC policy to begin immediately after OSHC ends.
3. Avoid gaps between policies, as they may impact visa compliance.
4. Request a refund for unused OSHC months if you are graduating earlier than expected.

What to Look for in OVHC

Key features to compare:

• Hospital coverage level
• Ambulance services
• Extras options
• Waiting periods
• Annual limits
• Claim processing system

Common Mistakes

Graduates often encounter problems when they:

• Wait too long to arrange OVHC
• Assume OSHC will automatically convert
• Select cheaper OVHC without checking exclusions
• Fail to provide evidence of OVHC during visa application

Conclusion

Transitioning from OSHC to OVHC is a key requirement for students applying for the Temporary Graduate Visa. Planning early and understanding your cover options ensures you remain compliant and avoid gaps that may affect your visa.

If you are still on a Subclass 500 visa and need to compare OSHC options, the easiest and most student-friendly comparison platform is www.500visainsurance.com.au. You can message an advisor on WhatsApp at +61 479 070 270, or request a call back for personalised support.

For graduates applying for the 485 Temporary Graduate Visa, you can compare all 485 visa health insurance options at www.485visainsurance.com.au.

If your parents or family members are planning to visit Australia on a 600 Visitor Visa, suitable health insurance policies can be compared and purchased at www.600visainsurance.com.au.