From $166.95/ month
Age 16–54$166.95
Age 55–59$168.00
Age 60–64$170.10
Age 65–69$220.50
Age 70–74$273.00
Age 75–79$368.45
Age 80+$518.50
2026 PRICE & COST GUIDE
870 Visa Health Insurance Cost
The cost of 870 visa health insurance can vary substantially with age, number of parents and the benefits included. This page explains the indicative prices in Policy Direct's current comparison and the other costs worth considering.
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870 Insurance Essentials
Clear information for sponsored parents and their families.
Policy Direct • Insurance Made EasyINDICATIVE MONTHLY PREMIUMS
870 health insurance pricing by age
Compare the age bands used in our current comparison. Final premiums and eligibility are confirmed by the insurer.
$180.00/ month
One parent$180.00
Two parents$433.40
Pricing shown is not age-banded.
14-day commencement lead time applies to the option compared.
14-day commencement lead time applies to the option compared.
From $215.99/ month
Age 17–65$215.99
Age 66–70$226.79
Age 71–75$280.79
Age 76–80$410.38
Age 81+$475.17
From $60.18/ month per person
Ages 18–60 (quotes checked)$60.18
Hospital excess$750
ProductHospital Basic
Indicative Short Stay Hospital Basic premium for ages checked. Confirm final pricing and benefits with HCF.
Indicative comparison prices only. Check the insurer's current quote and product information before purchasing.
01
What affects the price of 870 health insurance?
The parent's age can be a major pricing factor for age-rated products. The number of parents, product design, benefit level and insurer pricing also affect the premium.
Use advertised 'from' prices only as a starting point. The final quote should use the parent's actual details.
02
Medibank indicative age pricing
Our current Medibank comparison uses these monthly age bands: 16–54 $166.95; 55–59 $168.00; 60–64 $170.10; 65–69 $220.50; 70–74 $273.00; 75–79 $368.45; 80+ $518.50.
This illustrates why an older parent's actual age needs to be entered before comparing the cost.
03
Allianz Care single and two-parent pricing
The Allianz Care option currently shown by Policy Direct is $180 per month for one parent and $433.40 per month for two parents. Unlike the age-banded products in this comparison, the displayed price is not separated into age bands.
Also allow for the 14-day commencement lead time shown for this option when planning the start date.
04
Bupa indicative age pricing
Our current Bupa comparison uses these monthly age bands: 17–65 $215.99; 66–70 $226.79; 71–75 $280.79; 76–80 $410.38; 81+ $475.17.
The starting premium therefore does not represent every age. Confirm the final quote directly with Bupa.
05
HCF indicative pricing and cover
HCF Overseas Visitors Short Stay – Hospital Basic starts from AUD $60.18 per month per person in the quotes checked for ages 18–60. The hospital excess is AUD $750. This is indicative pricing rather than a guaranteed premium for every parent or age.
Compare HCF's Hospital Basic benefits and exclusions carefully with other insurers: a lower premium does not mean equivalent hospital, GP, diagnostic or pregnancy cover. Read HCF cover details or request an HCF quote.
05
The premium is only one part of cost
A cheaper monthly premium can come with a different hospital excess or a narrower set of outpatient benefits. Those differences can affect the amount paid when care is actually needed.
Our comparison shows hospital excesses of $500 for the Medibank and Allianz Care options and $250 for Bupa, subject to current policy terms.
06
Potential out-of-pocket expenses
Home Affairs warns that private health insurance is unlikely to cover every healthcare cost completely. A patient can remain responsible for gap fees and other uncovered amounts.
Before treatment, where possible, ask what the provider will charge, what the insurer will pay and what amount will remain payable by the patient.
07
Why GP and diagnostic benefits matter to cost
A product with eligible GP, radiology or pathology benefits may cost more in premiums but may contribute toward services that a more hospital-focused product does not cover.
The practical comparison therefore depends on the parent's likely needs, not only the monthly debit.
08
Long-stay budgeting
An 870 visa can permit a stay of 3 or 5 years. Even modest monthly premium differences can become significant over a long stay, and premiums can change over time.
Budget for insurance as an ongoing expense and do not assume today's indicative premium will remain unchanged for the full visa period.
09
Two-parent budgeting
If two parents will be sponsored, obtain a genuine two-parent quote. Family/couple structures can price differently from two separate single policies.
Compare both the premium and benefits for the exact configuration that will be purchased.
10
How to compare cost properly
First enter the correct age and number of parents. Next compare the premium and excess. Then check hospital, GP, tests, ambulance, waiting periods and exclusions.
Once the shortlist is clear, continue to each insurer for the current final quote and policy information.
IMPORTANT TO REMEMBER
Insurance requirements and insurance benefits are not the same thing.
A policy may be intended for an overseas visitor while still having its own waiting periods, exclusions, excesses and benefit limits. Check both visa suitability and the actual cover provided.
FREQUENTLY ASKED QUESTIONS
870 Visa & Health Insurance FAQs
Answers to common questions about the Sponsored Parent (Temporary) visa, health insurance, costs and Condition 8501.
870
FAQ
FAQ
How much does an 870 Sponsored Parent Visa cost?+
The visa application charge is separate from health insurance. Home Affairs currently publishes different charges for the 3-year and 5-year visa; check the current Home Affairs fee immediately before applying because government charges can change.
How much does 870 visa health insurance cost?+
The cost depends on insurer, age, number of parents and product. In Policy Direct's current comparison, the displayed options start from $166.95 per month, with final pricing confirmed by the insurer.
Does 870 health insurance get more expensive with age?+
It can. The Medibank and Bupa options compared here use age-based pricing, so premiums increase across some older age bands.
How much is Medibank 870 health insurance?+
The indicative Medibank pricing used here ranges from $166.95 per month for ages 16–54 to $518.50 per month for ages 80+, across the displayed age bands.
How much is Allianz Care 870 health insurance?+
The Allianz Care option displayed is $180 per month for one parent and $433.40 per month for two parents. Confirm current pricing directly with the insurer.
How much is Bupa 870 health insurance?+
The indicative Bupa pricing used here starts at $215.99 per month for ages 17–65 and rises across the displayed age bands to $475.17 for ages 81+.
How much is health insurance for two parents?+
Two-parent pricing depends on the insurer and policy structure. Obtain a quote using both parents' actual details rather than simply doubling a single-parent price.
What other healthcare costs should parents budget for?+
Consider hospital excess, provider gap charges, exclusions, benefit limits, medicines and services that receive only partial or no benefits.
Is the cheapest 870 health insurance always the best option?+
Not necessarily. Products can differ in excess, GP and diagnostic benefits, waiting periods, exclusions and limits. Compare relevant benefits as well as premium.
Are Policy Direct's 870 insurance prices final?+
No. Prices are indicative comparison information. The insurer's current quote determines the final premium and eligibility.
Why should I compare the hospital excess as well as the premium?+
The hospital excess can affect what the parent pays when eligible hospital treatment is used. A lower monthly premium does not automatically mean lower overall healthcare costs.
Do GP and diagnostic benefits affect the value of a policy?+
They can. Eligible GP, radiology and pathology benefits may reduce some out-of-hospital costs, so compare these benefits alongside the monthly premium.
Can 870 insurance premiums change during a long stay?+
Yes. The guide uses current indicative prices only and notes that premiums can change over time. Do not assume today's price will remain unchanged for the full visa period.
Should I compare waiting periods when comparing cost?+
Yes. Waiting periods can affect when benefits become available for certain treatment, so they are relevant when comparing the practical value of different policies.
What is the best way to compare 870 insurance costs?+
Use the correct age and number of parents, then compare premium, hospital excess, hospital and outpatient benefits, waiting periods, exclusions and possible gap costs before obtaining the insurer's final quote.
NEXT STEP
Compare 870 health insurance options
Compare indicative premiums, excesses and key benefits before continuing to the insurer.