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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.
With HBF, even our most basic hospital products provide cover for over 5000 medical procedures and services. 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.
We will honour waiting periods already served
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.
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.
Podiatrists are trained professionals who diagnose, treat and prevent conditions that affect the health of the feet.
Podiatrists can help you maintain the health of your feet through treatment, exercises and regular monitoring.
Cataract and Eye Lens Procedures is a service that helps cover the cost of cataract surgery in hospital.
A cataract is a clouding of the lens in the eye, which leads to a decline in vision. The only way to correct cataracts is to undergo surgery to replace the cloudy lens with a new one. This is called an intraocular lens. It’s a relatively simple procedure that usually only takes 15-30 minutes.
Joint Replacement Surgery (partial or total) is a service that helps you access surgical treatment and care by an orthopaedic surgeon.
A total joint replacement involves an orthopaedic surgeon removing a damaged joint and putting in a new one. While a partial join replacement involves an orthopaedic surgeon replacing or fixing the damaged parts of a joint.
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.
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.
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.
Tell us which services you need cover for and we'll recommend a product for you.
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