Overseas visitors health cover

You want peace of mind while you’re in Australia and have visa requirements to think about too. We can help you with both.

Find the right health insurance for you

Choose your circumstance and we’ll show health cover options that include the services people like you care about most.

Standard Overseas Visitors cover & Basic Extras

Hospital cover suitable for visitors to Australia, combined with Extras cover for 7 common services.

Standard Overseas Visitors cover

  • Hospital cover for a range of essential services including chemotherapy and joint reconstructions
  • Cover for medical services, such as General Practitioner (GP) consultations

Basic Extras

  • Includes General Dental, Optical, Physio and 4 more common services

Standard Overseas Visitors cover & Standard Extras

Hospital cover suitable for visitors to Australia, combined with Extras cover for 19 services.

Standard Overseas Visitors cover

  • Hospital cover for a range of essential services including chemotherapy and joint reconstructions
  • Cover for medical services, such as General Practitioner (GP) consultations

Standard Extras

  • Extras cover for 17 common services including Optical, General Dental and Major Dental
Showing 2 combinations only. You can mix & match your own health cover here.

Why you can trust HBF with your health cover

Fully covered for a shared room

No matter where you are in Australia, you can have peace of mind you’ll be covered for a shared room at a private or public hospital.

Unlimited preventative dental

Claim as many times as you like during the year for preventative dental services like scale & cleans and dental x-rays with HBF Extras cover3 4.

Unlimited urgent ambulance

Urgent ambulance cover by road for as many trips as you need. Available on most Hospital and Extras cover options3.

Have your loved one stay with you

If you need someone to stay with you while you’re in hospital, we’ll cover the cost of their meals and accommodation2.

Help getting back on your feet

We’ll cover up to $400 towards the cost of buying or hiring crutches or wheelchairs to get you up and about sooner.

Higher annual limits for loyal members

On most of our Extras cover options, we reward our loyal members by increasing the amount you can claim the longer you stay with us3 4.

HBF health members also get access to great discounts and health programs

  • Get fit for free with group fitness sessions run by qualified Personal Trainers
  • Join the gym for less with discounts on gym membership6
  • Work out in style with discounts on fitness apparel6
  • We’ll help you get well with telephone health coaching and other free health programs7
  • Say goodbye to sniffles with a free flu vac every year7

Switching to HBF is as easy as 1, 2, 3

Switching health funds is easier than you think. Follow these three simple steps to switch to HBF in just a few minutes.

  1. Choose health cover that suits your needs.
  2. Buy your health cover online. If you’d prefer to chat, visit your local branch or call 133 423.
  3. Tell us the name of your old insurer and we’ll do the switching paperwork for you.

Switch to HBF

A reciprocal health care agreement is an agreement between two countries to cover certain health care costs. If your country has a reciprocal health care agreement with Australia, you will be covered for certain health care costs while you’re in Australia, while Australians visiting your country will enjoy the same benefits. The United Kingdom is one of the many countries that has an agreement with Australia. For more information and to find out if you qualify, visit the Department of Human Services’ website.

Yes. Even if you have a pre-existing condition, you will be able to buy health insurance for your stay in Australia. You will just have to have served a 12-month waiting period before you can claim on any pre-existing conditions.

It depends on whether you need to be admitted to hospital. With HBF health cover, if you need to be admitted to hospital for treatment, there is a 12-month waiting period for maternity and pre-existing conditions, and 2 months for all other services. However, if you just need outpatient medical treatment (for example, consultations with a General Practitioner or emergency ward care) there is no waiting period.

HBF is a not-for-profit health fund, which means we’ll always be there for you, not shareholders.