Overseas visitors health cover (OVHC)

You want peace of mind while youā€™re in Australia and have visa requirements to think about too. We can help you with both.
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Find the right Overseas visitors health cover (OVHC) for you

Choose your circumstance and weā€™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

  • Affordable cover for General Dental, Optical and 5 other essential 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 choice
  • Freedom to use your $800 combined annual limit how you want across a range of services2

Why trust HBF for your health insurance

Looking after Australians for over 80 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 membership3
  • Work out in style with discounts on fitness apparel3
  • Weā€™ll help you get well with telephone health coaching and other free health programs4
  • Say goodbye to sniffles with a fully covered flu vaccination every year5

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 youā€™d prefer to chat, visit your local branch or call 133 423.
  3. Tell us the name of your old insurer and weā€™ll do the switching paperwork for you.

Switch to HBF

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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 youā€™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.

Do I need to serve waiting periods before I can claim on hospital cover?

Possibly. The waiting periods that apply to your cover are listed in your product sheet. Itā€™s important that youā€™ve served any relevant waiting periods before you receive any treatment.

Get in touch with HBF

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

Call
133 423
Email HBF