Visa Condition 8501
Check that the selected policy is suitable for the health insurance requirement attached to the parent’s visa, and avoid unintended gaps while the condition applies.
Indicative price tool
Get Your Indicative 870 Price
Select the parent's age and intended start date. Medibank and Bupa use age-based pricing in the current comparison data. Allianz is shown at a fixed single-parent price, with a 14-day commencement lead time. HCF Hospital Basic starts from AUD 60.18 per month per person; confirm the applicable premium and eligibility with HCF.
Enter the parent's age to display indicative pricing.
Compare providers
870 Visa Health Insurance Options
Compare price together with hospital cover, excess, waiting periods and out-of-hospital benefits. Final premiums and eligibility are confirmed by the insurer.
Coverage
AGE-BASED PRICE
From $166.95 iMedibank monthly pricing
Age 16–54$166.95Age 55–59$168.00Age 60–64$170.10Age 65–69$220.50Age 70–74$273.00Age 75–79$368.45Age 80+$518.50
Age-based pricing. Final premium is confirmed by Medibank.per month for ages 16–54
Overseas Visitors Comprehensive Hospital
Overseas Visitors Comprehensive Hospital
FIXED SINGLE PRICE
$180.00 iAllianz Care monthly pricing
One parent$180.00Two parents$433.40
Not age-based. Earliest commencement is 14 days from today.per month for one parent
Two parents: $433.40/month
14-day commencement lead time
Two parents: $433.40/month
14-day commencement lead time
AGE-BASED PRICE
From $215.99 iBupa monthly pricing
Age 17–65$215.99Age 66–70$226.79Age 71–75$280.79Age 76–80$410.38Age 81+$475.17
Age-based pricing. Final premium is confirmed by Bupa.per month for ages 17–65
Explorer Visitors Cover
Explorer Visitors Cover
STARTING PRICEFrom AUD 60.18
per month per person · HCF Hospital Basic cover
Meets 8501 Visa condition iThis cover is presented as meeting the health insurance requirement for visa condition 8501. Always check your visa grant conditions and the insurer’s current policy terms.
✓ Yes
✓ Yes
✓ Yes
✓ Yes
Hospital treatment iHospital benefits are subject to the insurer’s policy terms, exclusions, waiting periods and benefit limits.
✓ Included
✓ Included
✓ Included
✓ Included
Emergency ambulance iEmergency ambulance benefits may be subject to insurer rules, limits and eligible services.
✓ Included
✓ Included
✓ Included
✓ Included
GP / doctor outside hospital iShows whether the compared product includes eligible out-of-hospital doctor benefits.
✕ Not included
✕ Not included
✓ Included
✓ Included
Medical Tests (Radiology & Pathology) iShows whether the compared product includes eligible out-of-hospital radiology and pathology benefits.
✕ Not included
✕ Not included
✓ Included
✓ Included
Hospital excess iThe hospital excess is the amount payable when applicable under the policy. Check the insurer’s full terms.
$500
$500
$250
AUD 750
Pre-existing conditions iA waiting period may apply before benefits are payable for treatment of pre-existing conditions.
12-month waiting period
12-month waiting period
12-month waiting period
12-month waiting period
Pregnancy & birth iPregnancy and birth-related benefits may be subject to a waiting period and other policy conditions.
12-month waiting period
12-month waiting period
12-month waiting period
12-month waiting period
Get a quote or view details →
This comparison is a summary only. Benefits, limits, exclusions and waiting-period rules can differ. Always review the insurer's current policy documents before purchasing.
Compare more than price
What to Consider When Comparing 870 Visa Health Insurance
For a parent staying in Australia, the monthly premium is only one part of the comparison. Check the visa requirement, benefits, excess, waiting periods and commencement rules before choosing cover.
Hospital Cover
Review eligible hospital treatment and exclusions rather than assuming every visitor policy provides identical hospital benefits.
GP & Out-of-Hospital Medical
Some options are mainly hospital cover. Check whether routine GP, doctor or other eligible out-of-hospital medical services are included.
Radiology & Pathology
Diagnostic tests outside hospital can differ between products. Check radiology and pathology benefits, limits and conditions.
Hospital Excess
Compare the amount the parent may need to contribute when an eligible hospital admission occurs, not just the monthly premium.
Waiting Periods
Pre-existing conditions, pregnancy and other services may have waiting periods before benefits become payable, subject to policy terms.
Age-Based Premiums
Medibank and Bupa pricing in this comparison changes by age band. Use the parent’s actual age when comparing indicative premiums.
Cover Start Date
Choose a commencement date that avoids an unintended gap. Insurer commencement rules can apply; the Allianz option compared here currently has a 14-day lead time.
Important: A lower premium does not mean the policies provide identical benefits. Review the insurer’s current policy documents, exclusions, waiting periods, limits and eligibility before purchasing.
870 Insurance Guides
Helpful Guides for Sponsored Parent Visa Health Insurance
Use these practical guides to understand the health insurance requirement, compare costs and check Visa Condition 8501 before choosing cover.
01Complete Guide▤+
870 Visa Health
Insurance Guide
A complete guide covering the insurance requirement, Condition 8501, waiting periods, hospital excess, start dates and key points to compare.
- Insurance requirements for 870 visa
- Waiting periods and excess
- What to check before buying
02Pricing Guide$▥
870 Visa Health
Insurance Cost
See how age can affect Medibank and Bupa premiums, understand Allianz pricing and learn why premium alone does not show the full cost of cover.
- Age-based premium examples
- Compare costs between insurers
- Other costs to consider
03Visa Requirement▤⌕
Visa Condition 8501
Explained
Understand the requirement to maintain adequate health insurance, what to check before buying and why avoiding gaps in cover matters for your 870 visa.
- What Condition 8501 requires
- What to check in your cover
- How to avoid gaps in insurance
Need to compare now?Return to the comparison table above to check indicative prices and key benefits side by side.
Compare 870 Cover →870 Visa Insurance FAQs
Frequently Asked Questions
Quick answers to common questions about health insurance for the Sponsored Parent (Temporary) visa (subclass 870).
Does a Subclass 870 visa require health insurance?+
Subclass 870 visa holders are generally subject to Visa Condition 8501, requiring adequate arrangements for health insurance while in Australia. Check the individual visa grant notice and policy terms.
What is Visa Condition 8501?+
Condition 8501 requires the visa holder to maintain adequate arrangements for health insurance while in Australia. The exact visa conditions should always be checked on the visa grant notice or through VEVO.
Which insurers can I compare here?+
Policy Direct currently compares selected 870 visitor health insurance options from Medibank, Allianz Care, Bupa and HCF on this page.
Does the price increase with age?+
The Medibank and Bupa options shown use age-based pricing, so the indicative monthly premium changes by age band. The Allianz Care pricing shown here is not age-based.
Can two parents be covered?+
Yes, depending on the insurer and product. For example, the Allianz Care option shown in our comparison displays separate pricing for one parent and two parents. Check the insurer quote for final eligibility and premium.
Are GP visits and medical tests covered?+
Benefits differ between products. In the comparison above, the Bupa option includes eligible GP/out-of-hospital doctor and radiology/pathology benefits, while the compared Medibank and Allianz options do not show these benefits. Always check current policy documents for limits and exclusions.
What is a hospital excess?+
A hospital excess is an amount you may need to pay when an eligible hospital admission occurs under the policy. The excess can differ between insurers and products.
Do waiting periods apply to pre-existing conditions?+
Waiting periods can apply. The products compared above show a 12-month waiting period for pre-existing conditions, subject to each insurer’s definitions, rules and policy terms.
Is there a waiting period for pregnancy and birth?+
The products compared above show a 12-month waiting period for pregnancy and birth-related benefits, subject to the insurer’s policy terms and eligibility.
When should the health insurance start?+
Choose a commencement date that avoids an unintended gap in required cover. Insurer commencement rules can apply; the Allianz Care option shown on this page currently has a 14-day commencement lead time.
Is the cheapest 870 health insurance always the best option?+
A lower premium can come with different benefits, exclusions, excesses or out-of-hospital cover. Compare the policy features relevant to the parent as well as the monthly premium.
Can I change health insurers later?+
You may be able to change insurers, but take care to avoid gaps in cover and check how waiting periods, continuity rules and the visa health insurance requirement apply before switching.