Out-of-Hospital Medical

Out-of-hospital services are generally not included in private health insurance products as they are covered by Medicare for Australian residents.

If you are a non-Australian resident that is not eligible for Medicare and would like cover for Out-of-Hospital Medical, you should consider HBF Overseas Visitors Health Insurance.

For more information on Medicare and healthcare in Australia, visit the Department of Human Services website.

You might need Out-of-Hospital Medical if you...

  • Are not an Australian resident, and
  • Have a medical condition that requires regular visits to a GP or specialist
  • Want to stay on top of your health

Things you need to know about Out-of-Hospital Medical

Limits and benefits
Out-of-Hospital Medical limits and benefits change depending on your choice of Hospital product, the level of cover you choose and how long you’ve been an HBF member.

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Our Standard Overseas Visitors and Working Visa Hospital and Medical products provide a benefit of 85% to 100% of the Medicare Benefits Schedule (MBS) fee. 

Our Comprehensive Overseas Visitors cover provides a benefit of 100% of the MBS fee. 
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Please note: only non-Australian residents require this service.
More information

For more specific information about the limits and benefits covered under each policy, please call us on 133 423.

Waiting period
There is no waiting period for this service.

We will honour waiting periods already served more info

Products that include Out-of-Hospital Medical cover

Out-of-Hospital Medical is a Hospital service, and is included in the following cover options.

Products for overseas visitors

Comprehensive Overseas Visitors cover
$63.25 (i)
per week
  • Waiting Period
    No waiting period
Working Visa Hospital and Medical cover
$40.75 (i)
per week
  • Waiting Period
    No waiting period
Standard Overseas Visitors cover
$25.75 (i)
per week
  • Waiting Period
    No waiting period