HBF overseas visitor cover

HBF offers a range of cover for visitors coming to Australia either to work or for a holiday.

If you're coming to Australia on a working visa, you are required to take out appropriate health cover. HBF offers a range of insurance plans for people on working visas, as well as for people coming for a holiday.

finder.com.au does not currently have access to this health insurance brand. You may wish to compare options available on the Overseas Visitor Health Cover homepage.

What OVHC cover options does HBF offer?

HBF overseas visitor cover options include:

  • Working Visa Hospital Cover, from $24.95* per week. Designed for visitors on a working visa, who basically want to meet visa requirements.
  • Working Visa Hospital and Medical Cover, from $40.75* per week. This policy also includes out-of-hospital cover, providing a wider range of healthcare options.
  • Standard Overseas Visitor Cover, from $25.75* per week. Healthcare for visitors who are in Australia for a holiday, offering cost-effective access to private hospital services if needed.
  • Comprehensive Overseas Visitor Cover, from $61.45* per week. A higher level of cover for people holidaying from overseas.

If you are coming to Australia on a working visa, you may still meet visa requirements with one of the holiday visitor plans, if you are coming from a country with a reciprocal health care agreement (RHCA).

*Prices are based on a single person in Western Australia for premiums paid annually by direct debit, including GST.

How each plan covers you in hospital

Working Visa Hospital CoverWorking Visa Hospital and Medical CoverStandard Overseas Visitor CoverComprehensive Overseas Visitor Cover
Meets minimum visa requirements
  • yes
  • yes
  • no
  • yes
Available to those on non-work visas
  • no
  • no
  • yes
  • yes
Covers all Medicare services not specified
  • yes
  • yes
  • yes
  • yes
Joint replacement surgery
  • yes
  • yes
  • no
  • yes
Heart treatments
  • yes
  • yes
  • no
  • yes
Cataract and eye lens procedures
  • yes
  • yes
  • no
  • yes
Maternity and birth-related services
  • yes
  • yes
  • no
  • yes
Repatriation cover
  • no
  • no
  • no
  • yes
Out-of-hospital medical services (eg, doctor appointments)
  • no
  • yes
  • yes
  • yes
Out-of-hospital pharmaceuticals
  • no
  • yes
  • no
  • yes

What do the policies cover me for?

For necessary medical services, except those specifically excluded under each plan, you are able to receive treatments in a private hospital, following admission.

In all cases your health insurance will only cover shared-room hospital accommodation, so you will need to pay more for a private room, or will have to pay these costs out of pocket if you are admitted to a hospital which only has private rooms available.

The more comprehensive plans also cover you for a range of out-of-hospital services, such as doctor appointments and health check-ups.

It is important to note that you may not be covered for 100% of medical expenses. You should contact HBF prior to receiving treatment to find out if any out-of-pocket expenses are involved.

What are the limitations and waiting periods that apply?

Not all of these plans are suitable for working visas, and additional conditions or exclusions may apply. You are not necessarily covered for all private hospital treatments, and may be left with out of pocket expenses.

In particular, you are not covered for repatriation under any plan, except the Comprehensive Overseas Visitor Cover.

You are generally only covered for private hospital services in HBF-partnered private hospitals. The HBF network may be more expansive in Western Australia than other states, and as such this type of cover may be most suitable for those intending to reside in Western Australia.

If you will be living or working in a different state, you may want to compare other overseas visitor health cover options.

Waiting periods apply as follows:

  • 12 months. Pre-existing conditions (except psychiatric, rehabilitation and palliative care), maternity care services
  • 6 months. Repatriation
  • 2 months. Rehabilitation, palliative care and psychiatric treatments
  • 7 days. Ambulance cover
  • None. All other treatments and services

How can I make a claim?

If you are admitted to hospital while you are in Australia, the hospital can check your overseas visitor cover details, and may be able to bill HBF directly. You will need to pay any remaining expenses to the hospital or practitioner as applicable.

How are premiums paid?

You can pay premiums via direct debit from a bank account or credit card.


Andrew Munro

Andrew writes for finder.com, comparing products, writing guides and looking for new ways to help people make smart decisions. He's a fan of insurance, business news and cryptocurrency.

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