Do I need health insurance for 485 visa?
You must provide evidence of adequate health insurance for all applicants when you apply for the subclass 485 visa.
When does the health insurance need to start?
An answer from BUPA is: When applying for your 485 or temporary graduate visa, you must provide evidence that you’ve made appropriate arrangements for health insurance in Australia for the duration of the visa processing period and for the duration of your visa.
Looking at the Immigration department rules, they say: You must provide evidence of adequate health insurance for all applicants when you apply.
If you apply for the 485 while inside Australia, or already hold a valid visa to enter, as many applicants are, then you MUST have the insurance at the time of application.
Another question becomes:
Do I need health insurance for 485 visa, if I apply outside Australia?
I currently have two answers for this:
If you currently hold a valid Australian visa, then you MUST have have the insurance at the time of application.
If you do not currently hold a valid Australian visa then I am not 100% certain. It appears it is needed, and maybe an insurer will issue a policy but give a full refund if the visa is not granted.
Some people are eligible to apply from outside Australia, even without a current visa. That is based on this statement from Immigration: Your visa application can be processed if you are outside Australia and you hold, or have held, an eligible student visa (but not one supported by the Defence or Foreign Affairs and Trade Minister).
Immigration department rules say: You must provide evidence of adequate health insurance for all applicants when you apply.