Ideal cover for in-hospital and out-of-hospital medical services

This cover is ideal if you are on a working visa and want cover for in-hospital and out-of-hospital medical services, as well as hospital accommodation including a private room. It’s a great option for singles, couples and families and meets the Department of Immigration and Border Protection's minimum requirements for visa condition 8501. See if your visa type meets the guidelines for this level of cover.

Working Visa Hospital and Medical cover benefits

  • Full cover for accommodation in a private room in a public or private hospital
  • Your choice of private hospital
  • Your choice of a long list of fully covered doctors
  • Cover for out-of-hospital medical services

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 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
  • Theatre fees
    Waiting period No waiting period (12 months for pre-existing ailments)
  • Podiatric surgery
    Waiting period 2 months (12 months pre-existing ailments)
  • Maternity and birth-related services
    Maternity related services cover any admission that is a result of and experienced during pregnancy, not just the labour and birth of the baby Waiting period 12 months View service in detail
  • Cardiac services (heart)
    Waiting period No waiting period (12 months for pre-existing ailments)
  • Cataract and eye lens procedures
    Waiting period No waiting period (12 months for pre-existing ailments) View service in detail Restricted hospital benefits apply for cataract and eye lens procedures on Smart Saver Twin Pack. Significant out-of-pocket costs may be incurred.
  • Joint replacement surgery (partial or total)
    Joint replacement refers to procedures that involve the replacement of a joint. Waiting period 2 months (12 months for pre-existing ailments) Restricted hospital benefits apply joint replacement surgery (partial or total) on Smart Saver Twin Pack. Significant out-of-pocket costs may be incurred.
  • Full cover for single room accommodation in a public or private hospital (on covered services)
    Waiting period No waiting period (12 months for pre-existing ailments)
  • 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)
  • Ambulance
    Waiting period 7 days HBF will cover the cost for urgent ambulance transport by road or air with a state or government approved ambulance service for admission to hospital, emergency treatment on-site, or inter-hospital transfer for emergency treatment.
  • 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 or air with a state or government approved ambulance service for admission to hospital, emergency treatment on-site, or inter-hospital transfer for emergency treatment. 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
  • PBS pharmacy – outpatient
    Waiting period No waiting period

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 Working Visa Hospital and Medical 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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