Consider suitable health cover
You can be personally responsible for healthcare costs in Australia. Health insurance can help reduce your financial exposure to unexpected hospital and medical treatment.
TEMPORARY ACTIVITY VISA • SUBCLASS 417
417 Visa Health Insurance in Australia
Compare OVHC options for Working Holiday visa holders from AIA Health, nib, Medibank, Allianz Care and Bupa, and understand health-cover considerations while you are in Australia.
✓ Subclass 417✓ OVHC comparison✓ Condition 8501
417 VISA HEALTH COVER
Working Holiday Visa health insurance
Home Affairs strongly recommends health insurance for Working Holiday visa holders. Condition 8501 may also be attached to a subclass 417 visa.
Visa417 Working Holiday Visa
CoverHealth insurance strongly recommended
Common optionOverseas Visitor Health Cover (OVHC)
StayUp to 12 months per Working Holiday visa
Check current insurer eligibility, benefits, waiting periods and policy terms before purchasing.
Working Holiday VisaExtended holiday in Australia with permission to work
Visitor health coverCompare participating insurer options
Check your conditionsCondition 8501 may be attached to a 417 visa
417 HEALTH INSURANCE
Health insurance for the Working Holiday Visa (Subclass 417)
Home Affairs strongly recommends that Working Holiday visa holders take out health insurance because visitors can be personally responsible for healthcare costs in Australia. Condition 8501 may be attached to subclass 417, so check your visa grant letter or VEVO for the conditions that apply to you.
Check Condition 8501
Condition 8501 may be attached to a subclass 417 visa. If it applies, you must maintain adequate health insurance for your whole stay in Australia.
Check Medicare eligibility
Some visitors may have limited Medicare eligibility through a Reciprocal Health Care Agreement. This does not automatically replace any visa insurance condition that applies to you.
Compare more than price
Review hospital and medical benefits, ambulance cover, excesses, waiting periods, exclusions and limits before choosing a policy.
COMPARE PROVIDERS
417 Visa Health Insurance Providers
Start with the provider, then review the policy benefits, waiting periods, exclusions and current premium before purchasing.
417 / worker OVHC
$59.35/ month
Standard pricing shownNo current promotion displayed
- ✓ Hospital cover options
- ✓ Designed for eligible temporary workers
- ✓ Check 8501 compliance for selected cover
417 / worker OVHC
$68.76/ month
Standard pricing shownNo current promotion displayed
- ✓ Hospital cover options
- ✓ Designed for eligible temporary workers
- ✓ Check 8501 compliance for selected cover
417 / worker OVHC
$72.30/ month
Standard pricing shownNo current promotion displayed
- ✓ Hospital cover options
- ✓ Designed for eligible temporary workers
- ✓ Check 8501 compliance for selected cover
417 / worker OVHC
$72.50/ month
Standard pricing shownNo current promotion displayed
- ✓ Hospital cover options
- ✓ Designed for eligible temporary workers
- ✓ Check 8501 compliance for selected cover
417 / worker OVHC
$108.85/ month
Standard pricing shownNo current promotion displayed
- ✓ Hospital cover options
- ✓ Designed for eligible temporary workers
- ✓ Check 8501 compliance for selected cover
Price note: Prices shown are the comparison figures supplied for this page and are displayed from lowest to highest. Premiums and promotions can change and may vary by age, cover type, excess and start date. Use the insurer quote link to confirm the current premium and policy terms before purchasing.
VISA CONDITION 8501
Maintain adequate health insurance
Condition 8501 requires a visa holder to maintain adequate arrangements for health insurance while in Australia. It can be attached to working visas including subclasses 417, 462, 482, 407 and 408. Always check the individual visa grant letter or VEVO for the conditions that actually apply.
Read our Condition 8501 guide →417 VISA INSURANCE GUIDES
Helpful information for Working Holiday visa holders
Understand Condition 8501, insurance costs and important policy features before choosing cover.
VISA CONDITION
Condition 8501 & the 417 Visa
Understand what Condition 8501 means and check whether it is attached to your visa in your grant letter or VEVO.
Read guide → COST GUIDE417 Visa Health Insurance Cost
Compare premiums together with excesses, waiting periods and potential out-of-pocket costs.
Read cost guide → OVHC GUIDEHow to Compare OVHC for a 417 Visa
Compare hospital, medical and ambulance benefits, policy limits, exclusions and waiting periods.
Read comparison guide →COMMON QUESTIONS
417 Visa Health Insurance FAQs
Common questions about health insurance, OVHC, Medicare and the Working Holiday visa.
Do 417 Working Holiday visa holders need health insurance?+
Home Affairs strongly recommends health insurance for Working Holiday visa holders because you can be personally liable for healthcare costs in Australia. Condition 8501 may also be attached to a subclass 417 visa, in which case adequate health insurance must be maintained.
How do I know if Condition 8501 applies to my 417 visa?+
Check your visa grant letter or VEVO. Home Affairs lists Condition 8501 as a condition that might be attached to subclass 417.
What is Condition 8501?+
Condition 8501 requires a visa holder to maintain adequate arrangements for health insurance while in Australia.
What is OVHC for a 417 visa?+
Overseas Visitor Health Cover (OVHC) is private health insurance commonly used by temporary visa holders. Levels of cover vary, so check that the selected policy is suitable for your visa and healthcare needs.
What should adequate 417 health insurance cover?+
Home Affairs recommends adequate visitor cover include relevant hospital treatment, out-of-hospital medical services, surgery, tests, prescription medicines and ambulance services. Product benefits and limits vary.
Can dependent children accompany me on a 417 visa?+
Subclass 417 applicants must not be accompanied by dependent children. If your circumstances involve a partner or other traveller, each person should check their own visa and health-cover arrangements.
Can I use Medicare instead of OVHC?+
Medicare eligibility is separate from your visa insurance obligations. Some temporary visitors may have limited eligibility, including through a Reciprocal Health Care Agreement. Check your individual eligibility and visa requirements.
Does 417 visa insurance cover GP visits?+
It depends on the OVHC product. Some products include out-of-hospital medical benefits while others may provide more limited cover. Compare the product schedule before purchasing.
Does OVHC cover pre-existing conditions?+
Benefits for pre-existing conditions can be subject to waiting periods, exclusions and policy definitions. Check the insurer's current policy documents.
Are there waiting periods on 417 health insurance?+
Waiting periods may apply to particular treatments, including some pre-existing conditions and pregnancy-related services. They vary by insurer and product.
What is a hospital excess?+
An excess is an amount you may have to contribute when admitted to hospital for eligible treatment. Compare the excess as well as the monthly premium.
When should my 417 health insurance start?+
Choose policy dates that suit your travel and visa circumstances. If Condition 8501 applies to your visa, make sure you maintain adequate health insurance for the whole period required by that condition.
Can I change health insurers while holding a 417 visa?+
You may be able to switch insurers. Check cancellation and commencement dates, waiting periods and benefits, and avoid a gap in cover if Condition 8501 applies to you.
How do I compare 417 visa health insurance?+
Compare premium, hospital and medical benefits, ambulance cover, excesses, waiting periods, exclusions and policy limits. Confirm current eligibility and terms directly through the insurer before purchasing.