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RECOMMENDED

Standard Overseas Visitors cover

Basic hospital and medical essentials cover with an excess of $500.
View product sheet
RECOMMENDED

Working Visa Hospital cover

Hospital cover suitable for 485, 482 and most other working visas with an excess of $300.
View product sheet
RECOMMENDED

Working Visa Hospital and Medical cover

Hospital and medical cover for 485, 482 and most other working visas.
View product sheet

OVERSEAS HOSPITAL SERVICES BY CATEGORY

Covered for inpatient rehabilitation services at a hospital or day facility. For example, physical therapy to restore physical strength after surgery.

Covered for treatment that provides the best quality of life possible for a patient with a terminal illness. For example, pain alleviation and management.

Covered for the treatment of the tonsils and adenoids, and the insertion or removal of grommets.

Covered for joint reconstruction surgery. For example, surgery to repair torn tendons and damaged ligaments.

Covered for the investigation and treatment of a hernia or appendicitis.

It is best to contact us prior to any procedure as treatments for some hernias fall under Digestive System.

Covered for the investigation and treatment of the female reproductive system. For example, treatment for endometriosis, cervical cancer and female sterilisation.

Covered for in-hospital surgery to the teeth and gums. For example, wisdom teeth removal and dental implant surgery.

Please note that some Dental Surgery treatments are not fully covered under your hospital cover. You may be able to receive a benefit for these treatments if you hold an eligible Extras cover and waiting periods have been served.

Covered for the investigation and treatment of conditions affecting the ear, nose, or throat, and related areas of the head and neck. For example, a damaged ear drum, sinus surgery, and throat cancer.

Covered for the investigation and treatment of diseases, disorders, and injuries of the musculoskeletal system (not including joint reconstructions or replacements). For example, carpal tunnel syndrome and bone cancer.

Covered for the investigation and treatment of the kidney, adrenal gland and bladder. For example, treatment for kidney stones and incontinence.

Covered for the investigation and treatment of the male reproductive system including the prostate. For example, procedures like sterilisation and circumcision and surgical treatment for prostate cancer.

Covered for the investigation and treatment of conditions affecting all areas of the digestive system. For example, oesophageal cancer, irritable bowel syndrome, gall stones, haemorrhoids, and some hernias.

Covered for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope. For example, a colonoscopy or gastroscopy.

Covered for the investigation and treatment of a miscarriage or for termination of a pregnancy.

Covered for chemotherapy, radiotherapy, and immunotherapy for the treatment of cancer or benign tumours. For example, chemotherapy for breast cancer.

Surgical treatment of cancer is covered separately under the clinical category related to the body system affected.

Covered for the investigation and treatment of blood and blood-related conditions. For example, blood clotting disorders and bone marrow transplants.

Covered for the investigation and treatment of conditions relating to the skin and nails. For example, minor wound repair, removal of foreign bodies, melanoma removal and medically necessary plastic surgery.

Removal of excess skin due to weight loss is covered separately under the clinical category Weight loss surgery.

Covered for the investigation and treatment of the brain, spinal cord, and peripheral nervous system, as well as other brain-related conditions. For example, stroke, brain tumours, and Parkinson’s disease.

Covered for the investigation and treatment of conditions (not including cataracts) affecting the eye and contents of the eye socket. For example retinal detachment and eye infections.

Covered for the treatment of pain without the need for a device. For example, treating nerve and chest pain due to cancer by injection of a nerve block.

Covered for the investigation and treatment of breast disorders and associated lymph nodes, as well as the reconstructions or reduction following medically necessary breast surgery.

Covered for the investigation and management of diabetes. For example, stabilisation of hypo or hyper glycaemia and lumps and bumps from insulin injections. This does not include treatment for diabetes-related conditions which are covered separately under relevant treatment categories.

Covered for the investigation and treatment of the lungs, chest, and mediastinum. For example, lung cancer, asthma, and trauma to the chest.

Covered for the investigation and treatment (including spinal fusion) of conditions affecting the back, neck and spinal column. For example, sciatica, and spine curvature disorders such as scoliosis.

Covered for the medically necessary investigation and treatment of any physical deformity, whether accidental, congenital, or resulting from an illness. For example, skin grafts for a severe burn.

Covered for in-hospital care of patients with psychiatric, mental, addiction or behavioural disorders. For example, treatment for depression or eating disorders.

Covered for pain treatment (including implantation, replacement, or other surgical management) using a device. For example, treating nerve pain with a neurostimulator.

Covered for the investigation of sleep patterns and sleep anomalies. For example, sleep apnoea and snoring.

Covered for the investigation and treatment of the heart, heart-related conditions, and vascular system. For example, heart attacks, varicose veins and surgical removal of a heart tumour.

Covered for your hospital accommodation, theatre fees and any prostheses associated with the treatment of conditions affecting the feet and/or ankles. For example, in-grown toenails and bunions.

HBF will pay limited benefits towards your surgeon and anaesthetist fees as these are not covered by Medicare.

Treatment must be provided by an accredited podiatric surgeon at a hospital where Podiatric Surgery is an agreed service.

Covered for treatment to correct hearing loss, including implantation of prosthetic hearing devices.

Covered for the supply and replacement of an insulin pump for the treatment of diabetes.

Covered for surgery to remove a cataract and replace with an artificial lens.

Covered for partial or total joint replacement surgery including revisions, resurfacing and removal of prostheses. For example, knee replacement surgery.

Covered for both types of dialysis (peritoneal dialysis and haemodialysis) for people experiencing chronic kidney failure.

Covered for pregnancy and child birth as well as the investigation and treatment of any related conditions.

Covered for inpatient fertility treatments or procedures. For example, IVF, retrieval of eggs or sperm, or Gamete Intra-Fallopian Transfer (GIFT).

Covered for surgery designed to reduce a person’s weight, remove excess skin and reversal of a weight loss procedure. For example, gastric banding and sleeve gastrectomy.

Covered for Bone Marrow Transfusion or Transplant. For example, surgery to transplant or transfuse Bone Marrow from one person to another.

Covered for Organ transplants, where an organ is transplanted from one person to another, such as a lung transplant.

Restricted

Covered for inpatient rehabilitation services at a hospital or day facility. For example, physical therapy to restore physical strength after surgery.

Restricted

Waiting period

2 months
Included

Covered for treatment that provides the best quality of life possible for a patient with a terminal illness. For example, pain alleviation and management.

Included

Waiting period

2 months
Included

Covered for the treatment of the tonsils and adenoids, and the insertion or removal of grommets.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for joint reconstruction surgery. For example, surgery to repair torn tendons and damaged ligaments.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of a hernia or appendicitis.

It is best to contact us prior to any procedure as treatments for some hernias fall under Digestive System.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of the female reproductive system. For example, treatment for endometriosis, cervical cancer and female sterilisation.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for in-hospital surgery to the teeth and gums. For example, wisdom teeth removal and dental implant surgery.

Please note that some Dental Surgery treatments are not fully covered under your hospital cover. You may be able to receive a benefit for these treatments if you hold an eligible Extras cover and waiting periods have been served.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of conditions affecting the ear, nose, or throat, and related areas of the head and neck. For example, a damaged ear drum, sinus surgery, and throat cancer.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of diseases, disorders, and injuries of the musculoskeletal system (not including joint reconstructions or replacements). For example, carpal tunnel syndrome and bone cancer.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of the kidney, adrenal gland and bladder. For example, treatment for kidney stones and incontinence.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of the male reproductive system including the prostate. For example, procedures like sterilisation and circumcision and surgical treatment for prostate cancer.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of conditions affecting all areas of the digestive system. For example, oesophageal cancer, irritable bowel syndrome, gall stones, haemorrhoids, and some hernias.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope. For example, a colonoscopy or gastroscopy.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of a miscarriage or for termination of a pregnancy.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for chemotherapy, radiotherapy, and immunotherapy for the treatment of cancer or benign tumours. For example, chemotherapy for breast cancer.

Surgical treatment of cancer is covered separately under the clinical category related to the body system affected.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of blood and blood-related conditions. For example, blood clotting disorders and bone marrow transplants.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of conditions relating to the skin and nails. For example, minor wound repair, removal of foreign bodies, melanoma removal and medically necessary plastic surgery.

Removal of excess skin due to weight loss is covered separately under the clinical category Weight loss surgery.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of the brain, spinal cord, and peripheral nervous system, as well as other brain-related conditions. For example, stroke, brain tumours, and Parkinson’s disease.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of conditions (not including cataracts) affecting the eye and contents of the eye socket. For example retinal detachment and eye infections.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the treatment of pain without the need for a device. For example, treating nerve and chest pain due to cancer by injection of a nerve block.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of breast disorders and associated lymph nodes, as well as the reconstructions or reduction following medically necessary breast surgery.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and management of diabetes. For example, stabilisation of hypo or hyper glycaemia and lumps and bumps from insulin injections. This does not include treatment for diabetes-related conditions which are covered separately under relevant treatment categories.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of the lungs, chest, and mediastinum. For example, lung cancer, asthma, and trauma to the chest.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment (including spinal fusion) of conditions affecting the back, neck and spinal column. For example, sciatica, and spine curvature disorders such as scoliosis.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the medically necessary investigation and treatment of any physical deformity, whether accidental, congenital, or resulting from an illness. For example, skin grafts for a severe burn.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Excluded

Covered for in-hospital care of patients with psychiatric, mental, addiction or behavioural disorders. For example, treatment for depression or eating disorders.

Excluded
Excluded

Covered for pain treatment (including implantation, replacement, or other surgical management) using a device. For example, treating nerve pain with a neurostimulator.

Excluded
Excluded

Covered for the investigation of sleep patterns and sleep anomalies. For example, sleep apnoea and snoring.

Excluded
Excluded

Covered for the investigation and treatment of the heart, heart-related conditions, and vascular system. For example, heart attacks, varicose veins and surgical removal of a heart tumour.

Excluded
Excluded

Covered for your hospital accommodation, theatre fees and any prostheses associated with the treatment of conditions affecting the feet and/or ankles. For example, in-grown toenails and bunions.

HBF will pay limited benefits towards your surgeon and anaesthetist fees as these are not covered by Medicare.

Treatment must be provided by an accredited podiatric surgeon at a hospital where Podiatric Surgery is an agreed service.

Excluded
Excluded

Excluded
Excluded

Covered for the supply and replacement of an insulin pump for the treatment of diabetes.

Excluded
Excluded

Covered for surgery to remove a cataract and replace with an artificial lens.

Excluded
Excluded

Covered for partial or total joint replacement surgery including revisions, resurfacing and removal of prostheses. For example, knee replacement surgery.

Excluded
Excluded

Covered for both types of dialysis (peritoneal dialysis and haemodialysis) for people experiencing chronic kidney failure.

Excluded
Excluded

Covered for pregnancy and child birth as well as the investigation and treatment of any related conditions.

Excluded
Excluded

Covered for inpatient fertility treatments or procedures. For example, IVF, retrieval of eggs or sperm, or Gamete Intra-Fallopian Transfer (GIFT).

Excluded
Excluded

Covered for surgery designed to reduce a person’s weight, remove excess skin and reversal of a weight loss procedure. For example, gastric banding and sleeve gastrectomy.

Excluded
Excluded

Covered for Bone Marrow Transfusion or Transplant. For example, surgery to transplant or transfuse Bone Marrow from one person to another.

Excluded
Excluded

Covered for Organ transplants, where an organ is transplanted from one person to another, such as a lung transplant.

Excluded
Included

Covered for inpatient rehabilitation services at a hospital or day facility. For example, physical therapy to restore physical strength after surgery.

Included

Waiting period

2 months
Included

Covered for treatment that provides the best quality of life possible for a patient with a terminal illness. For example, pain alleviation and management.

Included

Waiting period

2 months
Included

Covered for the treatment of the tonsils and adenoids, and the insertion or removal of grommets.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for joint reconstruction surgery. For example, surgery to repair torn tendons and damaged ligaments.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of a hernia or appendicitis.

It is best to contact us prior to any procedure as treatments for some hernias fall under Digestive System.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of the female reproductive system. For example, treatment for endometriosis, cervical cancer and female sterilisation.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for in-hospital surgery to the teeth and gums. For example, wisdom teeth removal and dental implant surgery.

Please note that some Dental Surgery treatments are not fully covered under your hospital cover. You may be able to receive a benefit for these treatments if you hold an eligible Extras cover and waiting periods have been served.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of conditions affecting the ear, nose, or throat, and related areas of the head and neck. For example, a damaged ear drum, sinus surgery, and throat cancer.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of diseases, disorders, and injuries of the musculoskeletal system (not including joint reconstructions or replacements). For example, carpal tunnel syndrome and bone cancer.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of the kidney, adrenal gland and bladder. For example, treatment for kidney stones and incontinence.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of the male reproductive system including the prostate. For example, procedures like sterilisation and circumcision and surgical treatment for prostate cancer.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of conditions affecting all areas of the digestive system. For example, oesophageal cancer, irritable bowel syndrome, gall stones, haemorrhoids, and some hernias.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope. For example, a colonoscopy or gastroscopy.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of a miscarriage or for termination of a pregnancy.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for chemotherapy, radiotherapy, and immunotherapy for the treatment of cancer or benign tumours. For example, chemotherapy for breast cancer.

Surgical treatment of cancer is covered separately under the clinical category related to the body system affected.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of blood and blood-related conditions. For example, blood clotting disorders and bone marrow transplants.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of conditions relating to the skin and nails. For example, minor wound repair, removal of foreign bodies, melanoma removal and medically necessary plastic surgery.

Removal of excess skin due to weight loss is covered separately under the clinical category Weight loss surgery.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of the brain, spinal cord, and peripheral nervous system, as well as other brain-related conditions. For example, stroke, brain tumours, and Parkinson’s disease.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of conditions (not including cataracts) affecting the eye and contents of the eye socket. For example retinal detachment and eye infections.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the treatment of pain without the need for a device. For example, treating nerve and chest pain due to cancer by injection of a nerve block.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of breast disorders and associated lymph nodes, as well as the reconstructions or reduction following medically necessary breast surgery.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and management of diabetes. For example, stabilisation of hypo or hyper glycaemia and lumps and bumps from insulin injections. This does not include treatment for diabetes-related conditions which are covered separately under relevant treatment categories.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of the lungs, chest, and mediastinum. For example, lung cancer, asthma, and trauma to the chest.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment (including spinal fusion) of conditions affecting the back, neck and spinal column. For example, sciatica, and spine curvature disorders such as scoliosis.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the medically necessary investigation and treatment of any physical deformity, whether accidental, congenital, or resulting from an illness. For example, skin grafts for a severe burn.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for in-hospital care of patients with psychiatric, mental, addiction or behavioural disorders. For example, treatment for depression or eating disorders.

Included

Waiting period

2 months
Included

Covered for pain treatment (including implantation, replacement, or other surgical management) using a device. For example, treating nerve pain with a neurostimulator.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation of sleep patterns and sleep anomalies. For example, sleep apnoea and snoring.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of the heart, heart-related conditions, and vascular system. For example, heart attacks, varicose veins and surgical removal of a heart tumour.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for your hospital accommodation, theatre fees and any prostheses associated with the treatment of conditions affecting the feet and/or ankles. For example, in-grown toenails and bunions.

HBF will pay limited benefits towards your surgeon and anaesthetist fees as these are not covered by Medicare.

Treatment must be provided by an accredited podiatric surgeon at a hospital where Podiatric Surgery is an agreed service.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for treatment to correct hearing loss, including implantation of prosthetic hearing devices.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the supply and replacement of an insulin pump for the treatment of diabetes.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for surgery to remove a cataract and replace with an artificial lens.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for partial or total joint replacement surgery including revisions, resurfacing and removal of prostheses. For example, knee replacement surgery.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for both types of dialysis (peritoneal dialysis and haemodialysis) for people experiencing chronic kidney failure.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for pregnancy and child birth as well as the investigation and treatment of any related conditions.

Included

Waiting period

12 months
Included

Covered for inpatient fertility treatments or procedures. For example, IVF, retrieval of eggs or sperm, or Gamete Intra-Fallopian Transfer (GIFT).

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for surgery designed to reduce a person’s weight, remove excess skin and reversal of a weight loss procedure. For example, gastric banding and sleeve gastrectomy.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for Bone Marrow Transfusion or Transplant. For example, surgery to transplant or transfuse Bone Marrow from one person to another.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for Organ transplants, where an organ is transplanted from one person to another, such as a lung transplant.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for inpatient rehabilitation services at a hospital or day facility. For example, physical therapy to restore physical strength after surgery.

Included

Waiting period

2 months
Included

Covered for treatment that provides the best quality of life possible for a patient with a terminal illness. For example, pain alleviation and management.

Included

Waiting period

2 months
Included

Covered for the treatment of the tonsils and adenoids, and the insertion or removal of grommets.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for joint reconstruction surgery. For example, surgery to repair torn tendons and damaged ligaments.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of a hernia or appendicitis.

It is best to contact us prior to any procedure as treatments for some hernias fall under Digestive System.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of the female reproductive system. For example, treatment for endometriosis, cervical cancer and female sterilisation.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for in-hospital surgery to the teeth and gums. For example, wisdom teeth removal and dental implant surgery.

Please note that some Dental Surgery treatments are not fully covered under your hospital cover. You may be able to receive a benefit for these treatments if you hold an eligible Extras cover and waiting periods have been served.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of conditions affecting the ear, nose, or throat, and related areas of the head and neck. For example, a damaged ear drum, sinus surgery, and throat cancer.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of diseases, disorders, and injuries of the musculoskeletal system (not including joint reconstructions or replacements). For example, carpal tunnel syndrome and bone cancer.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of the kidney, adrenal gland and bladder. For example, treatment for kidney stones and incontinence.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of the male reproductive system including the prostate. For example, procedures like sterilisation and circumcision and surgical treatment for prostate cancer.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of conditions affecting all areas of the digestive system. For example, oesophageal cancer, irritable bowel syndrome, gall stones, haemorrhoids, and some hernias.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope. For example, a colonoscopy or gastroscopy.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of a miscarriage or for termination of a pregnancy.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for chemotherapy, radiotherapy, and immunotherapy for the treatment of cancer or benign tumours. For example, chemotherapy for breast cancer.

Surgical treatment of cancer is covered separately under the clinical category related to the body system affected.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)
Included

Covered for the investigation and treatment of blood and blood-related conditions. For example, blood clotting disorders and bone marrow transplants.

Included

Waiting period

1 day waiting period (12 months for pre-existing ailments)