Compare your hospital cover options

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SERVICES EXPLAINED

  • Included benefit

  • Excluded benefit

  • Restricted benefit

  • Limited benefit

RECOMMENDED

Standard Overseas Visitors cover

Basic hospital and medical essentials cover
View product sheet
RECOMMENDED

Working Visa Hospital cover

Hospital cover suitable for 457 and most other working visas
View product sheet
RECOMMENDED

Working Visa Hospital and Medical cover

Hospital and medical cover for 457 and most other working visas
View product sheet

OVERSEAS HOSPITAL SERVICES BY CATEGORY

Covered for thousands of hospital procedures and services, including chemotherapy, joint reconstructions, endoscopies, hernias, grommets and wisdom teeth removal.

Fully covered for unlimited urgent ambulance transport by road. Ambulance services are not free or covered by Medicare in most Australian states (Queensland and Tasmania exempt).

Fully covered for accommodation in a shared room at an HBF Member Plus private hospital. On included services only.

Fully covered for theatre fees on all agreed services on your policy. Theatre fees are the costs associated with going into an operating room for surgery, including procedures done at a day surgery.

Covered for most medications that you receive as an in-patient at an HBF Member Plus Hospital, including Pharmaceutical Benefits Scheme (PBS) gap items. 

Covered for surgical weight loss procedures, also known as gastric banding or sleeve gastrectomy.

Covered for in-hospital dialysis, which involves the removal of excess fluids and waste products from the body for people experiencing kidney failure.

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

Covered for the implantation of a cochlear implant, which is a type of surgically inserted hearing device.

Covered for sterility reversal, which involves a surgical procedure that attempts to restore fertility in both men and women.

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 medical treatment or consultations that do not require a visit to hospital. For example, consultations with a General Practitioner (GP).

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

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

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

Covered for in-hospital treatment of the heart for a range of conditions. For example, heart attacks, chest pain, stroke, heart rhythm problems, and congenital heart defects.

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

Covered for maternity and birth-related services, which help women expecting a baby access in-patient care prior to and during birth, and up to 6 weeks after the birth.

Covered for IVF and other Assisted Reproductive Services (ARS) when received as an inpatient. For example, retrieval of eggs or sperm, or Gamete Intra-Fallopian Transfer (GIFT).

Covered for the investigation and treatment of conditions affecting the feet and/or ankles, provided by a registered podiatric surgeon. For example, in-grown toenails and bunions.

Fully covered for accommodation in a private or shared room at an HBF Member Plus private hospital. On included services only.

Covered for pharmaceutical items not included on the Government Pharmaceutical Benefits Scheme (PBS), allowing access to a broader range of medications.

Transport back to your home country in the event of you suffering a substantial life altering illness or injury, or being diagnosed with a terminal illness.

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

No waiting period

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

2 months

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

2 months

Waiting period

2 months

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

No waiting period

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

2 months

Waiting period

2 months

Waiting period

2 months

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

12 months

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

No waiting period

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

2 months

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

2 months

Waiting period

2 months

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

12 months

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

2 months (12 months for pre-existing ailments)

Waiting period

No waiting period (12 months for pre-existing ailments)

Waiting period

No waiting period (12 months for pre-existing ailments)
RECOMMENDED
Basic hospital and medical essentials cover
View product sheet
OVERSEAS HOSPITAL TREATMENTS

Covered for thousands of hospital procedures and services, including chemotherapy, joint reconstructions, endoscopies, hernias, grommets and wisdom teeth removal.

Waiting period

No waiting period (12 months for pre-existing ailments)

Fully covered for unlimited urgent ambulance transport by road. Ambulance services are not free or covered by Medicare in most Australian states (Queensland and Tasmania exempt).

Waiting period

No waiting period

Fully covered for accommodation in a shared room at an HBF Member Plus private hospital. On included services only.

Waiting period

No waiting period (12 months for pre-existing ailments)

Fully covered for theatre fees on all agreed services on your policy. Theatre fees are the costs associated with going into an operating room for surgery, including procedures done at a day surgery.

Waiting period

No waiting period (12 months for pre-existing ailments)

Covered for most medications that you receive as an in-patient at an HBF Member Plus Hospital, including Pharmaceutical Benefits Scheme (PBS) gap items. 

Waiting period

No waiting period (12 months for pre-existing ailments)

Covered for surgical weight loss procedures, also known as gastric banding or sleeve gastrectomy.

Waiting period

No waiting period (12 months for pre-existing ailments)

Covered for in-hospital dialysis, which involves the removal of excess fluids and waste products from the body for people experiencing kidney failure.

Waiting period

No waiting period (12 months for pre-existing ailments)

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

Waiting period

No waiting period (12 months for pre-existing ailments)

Covered for the implantation of a cochlear implant, which is a type of surgically inserted hearing device.

Waiting period

No waiting period (12 months for pre-existing ailments)

Covered for sterility reversal, which involves a surgical procedure that attempts to restore fertility in both men and women.

Waiting period

No waiting period (12 months for pre-existing ailments)

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

Waiting period

2 months

Covered for medical treatment or consultations that do not require a visit to hospital. For example, consultations with a General Practitioner (GP).

Waiting period

No waiting period (12 months for pre-existing ailments)

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

Waiting period

2 months

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

Waiting period

2 months

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

Covered for in-hospital treatment of the heart for a range of conditions. For example, heart attacks, chest pain, stroke, heart rhythm problems, and congenital heart defects.

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

Covered for maternity and birth-related services, which help women expecting a baby access in-patient care prior to and during birth, and up to 6 weeks after the birth.

Covered for IVF and other Assisted Reproductive Services (ARS) when received as an inpatient. For example, retrieval of eggs or sperm, or Gamete Intra-Fallopian Transfer (GIFT).

Covered for the investigation and treatment of conditions affecting the feet and/or ankles, provided by a registered podiatric surgeon. For example, in-grown toenails and bunions.

Fully covered for accommodation in a private or shared room at an HBF Member Plus private hospital. On included services only.

Covered for pharmaceutical items not included on the Government Pharmaceutical Benefits Scheme (PBS), allowing access to a broader range of medications.

Transport back to your home country in the event of you suffering a substantial life altering illness or injury, or being diagnosed with a terminal illness.

RECOMMENDED
Hospital cover suitable for 457 and most other working visas
View product sheet
OVERSEAS HOSPITAL TREATMENTS

Covered for thousands of hospital procedures and services, including chemotherapy, joint reconstructions, endoscopies, hernias, grommets and wisdom teeth removal.

Waiting period

No waiting period (12 months for pre-existing ailments)

Fully covered for unlimited urgent ambulance transport by road. Ambulance services are not free or covered by Medicare in most Australian states (Queensland and Tasmania exempt).

Waiting period

No waiting period

Fully covered for accommodation in a shared room at an HBF Member Plus private hospital. On included services only.

Waiting period

No waiting period (12 months for pre-existing ailments)

Fully covered for theatre fees on all agreed services on your policy. Theatre fees are the costs associated with going into an operating room for surgery, including procedures done at a day surgery.

Waiting period

No waiting period (12 months for pre-existing ailments)

Covered for most medications that you receive as an in-patient at an HBF Member Plus Hospital, including Pharmaceutical Benefits Scheme (PBS) gap items. 

Waiting period

No waiting period (12 months for pre-existing ailments)

Covered for surgical weight loss procedures, also known as gastric banding or sleeve gastrectomy.

Waiting period

No waiting period (12 months for pre-existing ailments)

Covered for in-hospital dialysis, which involves the removal of excess fluids and waste products from the body for people experiencing kidney failure.

Waiting period

No waiting period (12 months for pre-existing ailments)

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

Waiting period

No waiting period (12 months for pre-existing ailments)

Covered for the implantation of a cochlear implant, which is a type of surgically inserted hearing device.

Waiting period

No waiting period (12 months for pre-existing ailments)

Covered for sterility reversal, which involves a surgical procedure that attempts to restore fertility in both men and women.

Waiting period

No waiting period (12 months for pre-existing ailments)

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

Waiting period

2 months

Covered for medical treatment or consultations that do not require a visit to hospital. For example, consultations with a General Practitioner (GP).

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

Waiting period

2 months

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

Waiting period

2 months

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

Waiting period

No waiting period (12 months for pre-existing ailments)

Covered for in-hospital treatment of the heart for a range of conditions. For example, heart attacks, chest pain, stroke, heart rhythm problems, and congenital heart defects.

Waiting period

No waiting period (12 months for pre-existing ailments)

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

Waiting period

No waiting period (12 months for pre-existing ailments)

Covered for maternity and birth-related services, which help women expecting a baby access in-patient care prior to and during birth, and up to 6 weeks after the birth.

Waiting period

12 months

Covered for IVF and other Assisted Reproductive Services (ARS) when received as an inpatient. For example, retrieval of eggs or sperm, or Gamete Intra-Fallopian Transfer (GIFT).

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of conditions affecting the feet and/or ankles, provided by a registered podiatric surgeon. For example, in-grown toenails and bunions.

Waiting period

2 months (12 months for pre-existing ailments)

Fully covered for accommodation in a private or shared room at an HBF Member Plus private hospital. On included services only.

Covered for pharmaceutical items not included on the Government Pharmaceutical Benefits Scheme (PBS), allowing access to a broader range of medications.

Transport back to your home country in the event of you suffering a substantial life altering illness or injury, or being diagnosed with a terminal illness.

RECOMMENDED
Hospital and medical cover for 457 and most other working visas
View product sheet
OVERSEAS HOSPITAL TREATMENTS

Covered for thousands of hospital procedures and services, including chemotherapy, joint reconstructions, endoscopies, hernias, grommets and wisdom teeth removal.

Waiting period

No waiting period (12 months for pre-existing ailments)

Fully covered for unlimited urgent ambulance transport by road. Ambulance services are not free or covered by Medicare in most Australian states (Queensland and Tasmania exempt).

Waiting period

No waiting period

Fully covered for accommodation in a shared room at an HBF Member Plus private hospital. On included services only.

Waiting period

No waiting period (12 months for pre-existing ailments)

Fully covered for theatre fees on all agreed services on your policy. Theatre fees are the costs associated with going into an operating room for surgery, including procedures done at a day surgery.

Waiting period

No waiting period (12 months for pre-existing ailments)

Covered for most medications that you receive as an in-patient at an HBF Member Plus Hospital, including Pharmaceutical Benefits Scheme (PBS) gap items. 

Waiting period

No waiting period (12 months for pre-existing ailments)

Covered for surgical weight loss procedures, also known as gastric banding or sleeve gastrectomy.

Waiting period

No waiting period (12 months for pre-existing ailments)

Covered for in-hospital dialysis, which involves the removal of excess fluids and waste products from the body for people experiencing kidney failure.

Waiting period

No waiting period (12 months for pre-existing ailments)

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

Waiting period

No waiting period (12 months for pre-existing ailments)

Covered for the implantation of a cochlear implant, which is a type of surgically inserted hearing device.

Waiting period

No waiting period (12 months for pre-existing ailments)

Covered for sterility reversal, which involves a surgical procedure that attempts to restore fertility in both men and women.

Waiting period

No waiting period (12 months for pre-existing ailments)

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

Waiting period

2 months

Covered for medical treatment or consultations that do not require a visit to hospital. For example, consultations with a General Practitioner (GP).

Waiting period

No waiting period (12 months for pre-existing ailments)

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

Waiting period

2 months

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

Waiting period

2 months

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

Waiting period

No waiting period (12 months for pre-existing ailments)

Covered for in-hospital treatment of the heart for a range of conditions. For example, heart attacks, chest pain, stroke, heart rhythm problems, and congenital heart defects.

Waiting period

No waiting period (12 months for pre-existing ailments)

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

Waiting period

No waiting period (12 months for pre-existing ailments)

Covered for maternity and birth-related services, which help women expecting a baby access in-patient care prior to and during birth, and up to 6 weeks after the birth.

Waiting period

12 months

Covered for IVF and other Assisted Reproductive Services (ARS) when received as an inpatient. For example, retrieval of eggs or sperm, or Gamete Intra-Fallopian Transfer (GIFT).

Waiting period

2 months (12 months for pre-existing ailments)

Covered for the investigation and treatment of conditions affecting the feet and/or ankles, provided by a registered podiatric surgeon. For example, in-grown toenails and bunions.

Waiting period

2 months (12 months for pre-existing ailments)

Fully covered for accommodation in a private or shared room at an HBF Member Plus private hospital. On included services only.

Waiting period

No waiting period (12 months for pre-existing ailments)

Covered for pharmaceutical items not included on the Government Pharmaceutical Benefits Scheme (PBS), allowing access to a broader range of medications.

Waiting period

No waiting period (12 months for pre-existing ailments)

Transport back to your home country in the event of you suffering a substantial life altering illness or injury, or being diagnosed with a terminal illness.

SERVICES EXPLAINED

  • Included benefit

  • Excluded benefit

  • Restricted benefit

  • Limited benefit

RECOMMENDED

Standard Overseas Visitors cover

RECOMMENDED

Working Visa Hospital cover

RECOMMENDED

Working Visa Hospital and Medical cover

Just looking for Extras cover?

Choose from 5 Extras products, which cover you for everyday health care services that Medicare generally doesn't.

Hospital Insurance FAQs

Hospital insurance, also known as hospital cover, helps cover costs when you go to hospital for surgery and other types of medical treatment.

It helps cover the cost of doctors’ and anaesthetists’ fees, as well as other hospital costs like accommodation, prostheses and theatre fees.

With hospital insurance, you can go to a private hospital for treatment, choose your own specialist and time of treatment, and gain access to a private room (so long as it’s covered on your policy and there’s one available).

Hospital insurance helps cover the cost of ‘inpatient’ services—these are treatments you receive when you’re formally admitted to hospital for care, e.g. for surgery.

The specific hospital procedures and services you’re covered for (e.g. chemotherapy, a colonoscopy, tonsil removal, knee reconstructions etc.) depends on the level of hospital cover you choose.

Generally, as your level of hospital cover goes up, so does the number of included services.

Your hospital insurance cannot cover ‘outpatient’ services—these are treatments you receive when you haven’t been formally admitted to hospital, for example, tests and examinations (like x-rays and blood tests). In most cases, Medicare will help cover these services.

Depending on your level of cover, you may also have exclusions and/or restrictions. If a service is excluded, it’s not covered at all. Restricted services receive the minimum default benefit, which generally means a large out-of-pocket.

Your hospital costs will either be fully or partially covered depending on the type of agreement your health fund has with your specialists and hospital.

With HBF, when you’re admitted to hospital for treatment you will get 100% back for the cost of your hospital accommodation and specialists so long as you choose providers that have ‘no-gap’ (otherwise known as ‘fully covered’) agreements with your health fund.

Just be aware of out-of-pocket costs, which can include excess or co-payments, as well any outpatient services.

When you buy hospital insurance for the first time, if you’ve not had it for a long time, or you upgrade to include a new service or procedure, there will generally be a waiting period you need to serve before you can claim.

Waiting periods for hospital insurance generally fall into two buckets: 12 months for maternity and pre-existing conditions and 2 months for most other procedures and services.