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 that 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. 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 None. 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.