Cheapest 417 Visa Insurance
Finding affordable health insurance for a 417 Working Holiday visa involves more than choosing the lowest advertised monthly price. Starting premiums are indicative and can vary with age, product, excess, cover level and other factors.
Indicative starting prices for six providers
The table below displays the current starting prices configured in this website. They are not guaranteed quotes and should be verified on the insurer’s website.
Providers in our comparison: HCF, AIA Health, nib, Medibank, Allianz Care and Bupa. For up-to-date prices maintained in the central theme settings, see the live provider cards on the homepage.
Why the cheapest policy may cost more overall
A lower premium can come with a higher hospital excess, reduced outpatient benefits or more exclusions. If you need medical treatment, the total amount you pay may be higher than with a more expensive policy.
Five ways to compare value
- Compare the same policy type and cover period.
- Check the hospital excess and any co-payments.
- Review GP, specialist, ambulance and prescription benefits.
- Understand waiting periods and pre-existing condition rules.
- Check your visa subclass and any condition 8501 requirement before buying.
What changes your premium?
Premiums can vary based on age band, policy start date, single or family membership, level of benefits, excess and promotional offers. A promotion may expire or have eligibility conditions. Always read the offer terms.
How to get an accurate quote
Start with the comparison on our homepage, then open the insurer’s quotation page, enter your actual circumstances and check the product details before payment. If you have condition 8501, verify suitability in advance.
For broader advice on benefits and eligibility, see 417 Visa Health Insurance.
Frequently asked questions
Who has the lowest advertised starting price?
The answer depends on the prices currently shown in the live comparison and your circumstances. The lowest starting price may not be the lowest personal quote.
Are displayed prices guaranteed?
No. They are indicative starting prices; the insurer confirms the final quote.
Can a higher excess lower my premium?
Often it can, but the trade-off is a potentially larger out-of-pocket amount when claiming.
Are promotions included in starting prices?
Promotional eligibility and duration vary. Check the offer terms and the insurer’s current quote.
Is the cheapest policy suitable for condition 8501?
Not necessarily. Confirm suitability of the exact product if your visa carries condition 8501.
Can I change policies later?
Often yes, subject to insurer rules and any visa requirements. Check continuity of cover and waiting-period implications.