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 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 over 5000 medical procedures
    Cover includes ear, nose and throat procedures, knee and shoulder reconstructions and chemotherapy Waiting period No waiting period (12 months for pre-existing ailments)
  • Psychiatric care
    Waiting period 2 months Restricted benefits apply for psychiatric. Significant out-of-pocket expenses may apply. Waiting periods apply for all services Restricted hospital benefits apply to Young Saver Hospital, Healthy Saver Hospital, Young Singles Saver Twin Pack and Smart Saver Twin Pack,therefore significant out-of-pocket costs may be incurred. If you would like cover for psychiatric care, consider HBF Mid Hospital or Top Hospital.
  • Rehabilitation
    Rehabilitation is the process of restoration of skills by a person who has had an illness or injury so as to regain maximum self-sufficiency and function in a normal or as near normal manner as possible. For example, rehabilitation after a stroke may help the patient walk again and speak clearly. Waiting period 2 months No benefit for procedures that are restricted or excluded on your level of cover
  • Theatre fees
    Waiting period No waiting period (12 months for pre-existing ailments) No benefit for procedures that are restricted or excluded on your level of cover
  • 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 period No waiting period (12 months for pre-existing ailments)
  • Non PBS in hospital pharmacy
    Waiting period 2 months (12 months pre-existing) Non-PBS pharmacy benefit is limited to $2000 per calendar year.
  • Out-of-hospital medical
    Waiting period No waiting period View service in detail
  • Urgent Ambulance
    Waiting period 7 days 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. 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 period 2 months

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

HBF Hospital gives you better coverage in WA

We fully cover 83% of all medical services in WA hospitals
On average, we cover more of the hospital bill than other major fund in WA
If you need to stay in hospital, we’ll visit you to see how you're going
Get the support you need with Friendlies After Hospital Service

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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