Compare your hospital cover options

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SERVICES EXPLAINED

  • Benefit included

  • Benefit excluded

  • 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 end of life care, which aims to provide the best quality of life possible. 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 psychiatric care. For example, treatment for mental health disorders such as depression, anxiety, trauma and grief.

Covered for partial or total joint replacement surgery, which involves the removal of some or all of a damaged or diseased joint. 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 end of life care, which aims to provide the best quality of life possible. 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 psychiatric care. For example, treatment for mental health disorders such as depression, anxiety, trauma and grief.

Waiting period

2 months

Covered for partial or total joint replacement surgery, which involves the removal of some or all of a damaged or diseased joint. 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 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 end of life care, which aims to provide the best quality of life possible. 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 psychiatric care. For example, treatment for mental health disorders such as depression, anxiety, trauma and grief.

Waiting period

2 months

Covered for partial or total joint replacement surgery, which involves the removal of some or all of a damaged or diseased joint. 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 end of life care, which aims to provide the best quality of life possible. 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 psychiatric care. For example, treatment for mental health disorders such as depression, anxiety, trauma and grief.

Waiting period

2 months

Covered for partial or total joint replacement surgery, which involves the removal of some or all of a damaged or diseased joint. 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

  • Benefit included

  • Benefit excluded

  • 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.