FREQUENTLY ASKED QUESTION

How does the Australian healthcare system work?

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 Health insurance explained

Australia’s healthcare system combines a public scheme called Medicare, which provides Australian residents free or subsidised access to doctors, specialists, public hospitals, and some medicines, with a private insurance sector that covers services known as ‘extras’ such as dental and physiotherapy, and treatment as a private patient in private or public hospitals. Medicare is available to Australian citizens, permanent residents, and some visitors under reciprocal health agreements, while most temporary visa holders must obtain and maintain Overseas Visitors Health Cover (OVHC) to meet visa requirements.

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HBF provides health insurance products in Western Australia, South Australia, Victoria, Tasmania, New South Wales, Australian Capital Territory, Queensland and Northern Territory.

We acknowledge the Traditional Owners of the lands and waters where we live and work. We want to play our part in ensuring that our shared presence brings genuine benefit to First Nations people. View our Reconciliation Action Plan to learn more.

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