FREQUENTLY ASKED QUESTION

What if my country is not on the Reciprocal Health Care Agreement list?

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 Health insurance explained

If your country is not on the Reciprocal Health Care Agreement (RHCA) list, you will not be eligible for Medicare benefits while in Australia. This means you must obtain and maintain adequate health insurance for the duration of your stay to meet visa requirements, specifically condition 8501.

Depending on the cover you choose, Overseas Visitor Health Cover (OVHC) can provide hospital and medical cover within Australia, ensuring you’re protected for GP visits, hospital treatment, and some prescriptions. Without OVHC, you would need to pay the full cost of healthcare services, which can be very expensive.

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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