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HBF overseas visitor cover review

HBF offers three main types of cover for visitors who are in Australia for work or leisure purposes. Its most comprehensive policy can meet some of the costs of accommodation in a private room and pharmacy expenses.


  • With three core plans to choose from, you're likely to find something that fits your need: whether that's the minimum to meet your visa requirements, or some added health cover.
  • HBF had a lower rate of policy complaints (5.9%), compared to its overall market share (of 7.3%) in Australia. The Commonwealth Ombudsman figures were for 2022 and are the most recently available figures.

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HBF OVHC: Our verdict

HBF is good if:

  • You need to meet condition 8501 of your visa.
  • You want to avoid ambulance fees which aren't generally free in Australia.
  • You aren't covered by a RHCA.

HBF is not great if:

  • You aren't interested in some extras services like dental.
  • You're a student – you'll need OSHC.

Review by our insurance and innovations editor Gary Ross Hunter

What types of health insurance does HBF OVHC offer?

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Hospital Coverage

HBF offers these plans:

  • Standard Overseas Visitors cover. Policies start at $26.70* per week and cover you for benefits including urgent ambulance, in-hospital pharmacy and even insulin pumps.
  • Working Visa Hospital cover. Policies start at $25.90* per week and provide you with a range of cover for benefits including joint replacements, heart treatments and IVF.
  • Working Visa Hospital and Medical cover. Policies start at $42.30* per week and provide top-level cover with protection for the costs from accommodation in a private room and out-of-hospital pharmacy.

*Price is based on a single, in WA paying by direct-debit with 0% Australian Government Rebate on private health insurance and 0% Lifetime Health Cover loading price gathered 29/03/2021.

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Extras coverage

You're also able to add extra cover to these hospital policies, which protect you from the costs from treatments like physiotherapy and massage. These include:

  • Flex 50s. This pays 50% towards benefits including general dental, major dental, optical, physio, chiro and more.
  • Complete 60s. This pays 60% towards most out-of-hospital services including general dental, major dental, optical, physio, acupuncture, healthy living programs and more.

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Ambulance coverage

HBF OVHC policies can cover emergency ambulance transportation. This service isn't generally covered by Medicare in Australia.

HBF health insurance complaints

We looked at the 2022 Ombudsman health insurance complaints. Here's how HBF stacked up:

  • HBF wasn't first place – it was behind other insurers including Mildura Health Fund, Queensland Country Health and Phoenix.

This chart shows the weighted volume of complaints received by each health fund, according to the Commonwealth Ombudsman. The lower the number, the better. Only non-restricted funds with a national market share of at least 0.1% are included here. HBF is sixth overall in this ranking. The weighting ensures that funds are compared fairly; larger funds serve more customers so can potentially get more complaints.

HBF OVHC frequently asked questions

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