Great value cover for public and private medical treatment

Standard Overseas Visitor health cover is great value if you're visiting Australia and want cover for medical treatment in a shared room of a public or private hospital. Keep your premium cost low by only paying for services you're most likely to use. If you’re required to meet the Department of Immigration and Border Protection's minimum requirements for visa condition 8501, please consider our other overseas visitor cover options.

Standard Overseas Visitors cover benefits

  • Full cover for accommodation in a shared room in a public or private hospital
  • Your choice of private hospital
  • Your choice of a long list of fully covered doctors

Includes cover for the following services

Hospital services

  • Cover for thousands of medical procedures

    With HBF, even our most basic hospital products provide cover for thousands of medical procedures. When you go to hospital, you can have total peace of mind knowing HBF will help cover the cost for important treatments. These include chemotherapy, gallbladder procedures and knee or shoulder reconstructions, as well as more common procedures like endoscopies, hernia repair, tonsil removal, grommets and wisdom teeth removal.

    We’ve designed our top levels of cover to include all in-patient medical procedures listed in the Medicare Benefit Schedule (MBS). As the level of cover decreases, high-cost procedures only relevant at a certain life stage like maternity and IVF, cataracts, joint replacement and heart treatment are excluded to help keep the cost of your premium down. That means no matter what stage you’re at in life, you can choose a product that suits your needs.

    Waiting periods
    No waiting period (12 months for pre-existing)

    We will honour waiting periods already served more info

  • Cover for thousands of medical procedures
    Cover includes ear, nose and throat procedures, knee and shoulder reconstructions and chemotherapy
    Waiting periods
    No waiting period (12 months for pre-existing ailments)

    We will honour waiting periods already served more info

  • HBF medical gap cover
    The difference between the fee charged by doctors for their medical services provided in hospital and the Medicare Benefit Schedule Fee (MBS) relating to those services, is referred to as the 'gap'.
    Waiting periods
    No waiting period (12 months for pre-existing ailments)

    We will honour waiting periods already served more info

  • Psychiatric Care

    Psychiatric Care is a service that helps cover the costs of inpatient care for people suffering from mental health problems.

    This service provides attentive, in-hospital care for patients suffering from depression, anxiety, grief, trauma and other emotional and mental disorders.

    Waiting periods
    2 months

    We will honour waiting periods already served more info

    Restricted benefits apply for psychiatric. Significant out-of-pocket expenses may apply. Waiting periods apply for all services
  • Rehabilitation

    Rehabilitation is the process of restoring physical and cognitive skills to people who have been affected by a serious injury, illness or surgery.  Your surgeon will decide if you need rehabilitation services in-hospital.

    Rehabilitation can help people regain their mobility and self-sufficiency, and allow them to function in a normal or near-normal manner. For example, if a patient has suffered a stroke, participating in rehabilitation treatment may help them walk again and speak clearly.

    Waiting periods
    2 months

    We will honour waiting periods already served more info

    No benefit for procedures that are restricted or excluded on your level of cover
  • Theatre fees
    Waiting periods
    No waiting period (12 months for pre-existing ailments)

    We will honour waiting periods already served more info

    No benefit for procedures that are restricted or excluded on your level of cover
  • Medical Gap Cover

    When medical practitioners charge more than the Medicare Benefits Schedule (MBS) fee, you may have to pay the difference in cost. This is called ‘the gap’.

    To help avoid this, HBF makes agreements with doctors, specialists and anaesthetists so members are fully covered when they receive treatment by them.

    HBF can inform members of practitioners who have an agreement with HBF, including whether the practitioner provides fully covered or known-gap treatment.

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

    We will honour waiting periods already served more info

  • Non PBS in hospital pharmacy
    Benefits
    Benefit is limited to $2000 per calendar year
    Waiting periods
    2 months (12 months pre-existing)

    We will honour waiting periods already served more info

    Non-PBS pharmacy benefit is limited to $2000 per calendar year.
  • Out-of-Hospital Medical

    Out-of-hospital services are generally not included in private health insurance products as they are covered by Medicare for Australian residents.

    If you are a non-Australian resident that is not eligible for Medicare and would like cover for Out-of-Hospital Medical, you should consider HBF Overseas Visitors Health Insurance.

    For more information on Medicare and healthcare in Australia, visit the Department of Human Services website.

    Waiting periods
    No waiting period

    We will honour waiting periods already served more info

  • Urgent Ambulance
    Waiting periods
    7 days

    We will honour waiting periods already served more info

    HBF will cover the cost for urgent ambulance transport by road only for circumstances classified by the state ambulance provider as requiring urgent attention. HBF will not pay a benefit for air ambulance services.
  • Palliative care
    Waiting periods
    2 months

    We will honour waiting periods already served more info

Get the most out of your HBF membership with these great Momentum member benefits:

Free outdoor fitness sessions for members
Free health check at Friendlies pharmacies1
Discount movie tickets and gym memberships
20% off Run for a Reason entry cost
Online claiming and member services with myHBF
Discounted entry at Perth Zoo, Adventure World and more

Need something else?

If you're after a service not included in Standard Overseas Visitors cover, you'll probably find it in one of our other Overseas options. To view these options, just select a service from the list below.

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