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.
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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 essential 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 & Flex 50

Hospital cover suitable for visitors to Australia, combined with flexible extras cover

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

Flex 50

  • Get 50% or more back at the provider of your choice1
  • Freedom to use your $800 combined annual limit how you want across your included services2

Cover to suit your needs

Tell us a little about yourself, and in 3 minutes we'll find our best cover to suit your needs.

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Showing 2 combinations only. You can match your own health cover here.

Why trust HBF for your health insurance

Looking after Australians for over 75 years
We always put our members first
We're a not-for-profit organisation, so we focus on giving more back to members

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

  • 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 fully covered flu vaccination 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

What is a reciprocal health care agreement, and does it apply to me?

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 Services of Australia website.

Can I still get international health insurance with a pre-existing condition?

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.

Is there overseas visitor health insurance with no waiting period?

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.

Get in touch with HBF

We'll help you find our best cover that suits your needs.

Call
133 423
Email HBF