HIF health insurance

HIF Overseas Visitors Health Cover

Looking for visa compliant health insurance? Compare Overseas Visitor Health Cover (OVHC) from HIF.

HIF has been helping Australians look after their health care needs since 1954. As well as offering a range of domestic hospital and extras policies, HIF also offers Overseas Visitors Health Cover (OVHC) to make health insurance easy, convenient and affordable for those visiting Australia.

HIF working visa policies currently on offer

Store Discount Expiration Description Last verified Redeem
Save up to 4% on all HIF covers Pay your premiums annually and save 4% on any HIF policy. Alternatively opt for half-yearly payments and save 2%.
  • This offer cannot be combined with any other HIF discount except for the $50 cash card deal below.

Last verified 6 Mar 2017

finder.com.au exclusive deal! Get a $50 bonus cash card with any HIF policy Just reference the code when purchasing any HIF cover. Can be used in conjunction with HIF's 4% discount for paying annually.
  • The cash card is sent out after holding cover for six weeks.
  • This offer cannot be combined with any other HIF discount.
  • Offer only available to new members.
  • Offer not available to HIF employees or their families.

Last verified 6 Mar 2017

Show code FI****

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Who needs HIF overseas visitors health cover?

HIF OVHC is designed to help you afford to pay for medical care while in Australia. It can help you reduce your out-of-pocket expenses for everything from GP visits to major surgery, giving you peace of mind for the duration of your stay.

OVHC is not a requirement for every visa but it is compulsory for the majority of long-term visas. For example, to qualify for a 457 temporary employment visa or a 676 tourist visa, you must have an adequate level of health insurance cover in place for the duration of your stay. HIF offers OVHC policies to suit working and non-working visas that include the following:

  • 457 Temporary Work (Skilled) visa
  • 676 Tourist visa
  • 410 Retirement visa
  • Short-term visitors
  • Temporary residents
  • Norfolk Island residents

What medical services are covered?

HIF’s OVHC offers several hospital cover and extras cover policies designed to suit the different needs of foreign visitors. The cover provided by these policies is outlined below:

  • Comprehensive Working Visa. Top-level cover designed for those who want the highest level of protection while in Australia. It is available with an optional $500 or $1,000 excess to help reduce the cost of premiums.
  • Intermediate Working Visa. A mid-level policy and HIF’s most popular option for working visa holders. It provides cover for a range of hospital related treatments (including GP visits) at an affordable price.
  • Essentials Working Visa. This entry-level option meets the minimum visa requirements to fulfil the 8501 Condition. It is intended to be as affordable as possible while providing cover for vital medical treatment and services in a public hospital.
  • Basic Working Visa. HIF's newest product and currently the most affordable OVHC policy available in Australia. It covers the same treatments as the Essentials Working Visa policy except for pregnancy which is partially covered.

Hospital treatments covered by HIF OVHC

TreatmentBasicEssentialsIntermediateComprehensive
Access Gap cover 
  • No
  • No
  • No
  • Yes
Urgent ambulance
  • Covered
  • Covered
  • Covered
  • Covered
Hospital accommodation
  • Covered 
  • Covered 
  • Covered 
  • Covered 
Maternity services
  • Covered 
  • Covered
  • Covered
  • Covered
Intensive care fees
  • Covered
  • Covered
  • Covered
  • Covered
Theatre fees
  • Covered
  • Covered
  • Covered
  • Covered
Pharmaceutical drugs
  • Covered
  • Covered
  • Covered
  • Covered
Medical repatriation
  • Covered 
  • Covered 
  • Covered 
  • Covered 
GP visits
  • No cover
  • No cover
  • Covered
  • Covered
X-rays and pathology
  • No cover
  • No cover
  • Covered
  • Covered
Cardiac (heart) services
  • Covered
  • Covered
  • Covered
  • Covered
Joint replacement
  • Covered
  • Covered
  • Covered
  • Covered
Psychiatric care
  • No cover
  • No cover
  • Covered
  • Covered
Palliative care
  • No cover
  • No cover
  • Covered
  • Covered
Eye surgery
  • Covered
  • Covered
  • Covered
  • Covered
Bone marrow and organ transplants
  • No cover
  • No cover
  • No cover
  • Covered
Assisted reproductive surgery
  • No cover
  • No cover
  • No cover
  • Covered
Services not covered by Medicare
  • No cover
  • No cover
  • No cover
  • No cover
  • Visitor Value. This is a mid-range option fulfils the health insurance requirements for non-working visa holders aged 64 years and under. It can be taken out with a $250 or $500 excess to reduce the cost of premiums.
  • Visitor Saver. Designed for young holidaymakers and tourists, this policy offers a basic level of health insurance which covers you for treatment in a shared room in a public hospital. An excess option of $250 or $500 is available.
  • Warning. The Visitor Saver policy does not fulfil visa requirements. If you require a visa letter of compliance you need to purchase the Visitor Value policy.

Hospital treatments covered by HIF non-working visa policies

TreatmentVisitor SaverVisitor Value
Urgent ambulance
  • Covered
  • Covered
Hospital accomodation
  • Covered 
  • Covered
Maternity services
  • No cover
  • Covered
Theatre fees
  • Covered
  • Covered
Pharmaceutical drugs
  • Covered
  • Covered
Cardiac (heart) services
  • No cover
  • Covered
Eye surgery
  • No cover
  • Covered
Joint replacement
  • No cover
  • Covered
Surgically implanted prostheses
  • Covered
  • Covered
Outpatient services
  • No cover
  • Covered 
  • Premium Options. The highest level of HIF extras policy available, Premium Options offers comprehensive cover for all the services covered by the Super Options policy, but with larger benefits and higher annual limits.
  • Super Options. Super Options is HIF’s most popular extras policy for Australian visitors. It covers all the same treatments and services as the Special Options policy but has higher benefit limits.
  • Special Options. This intermediate extras policy offers cover for all the same treatments as the Saver Options policy, but includes more generous benefit limits and major dental.
  • Saver Options. This entry-level policy is designed for young and healthy people and offers affordable cover for a range of common general treatments.
What is extras (general treatment) health insurance?
Extras covers you for medical treatments which are administered outside of hospital, such as dental, optical, physiotherapy and chiropractic services. It is worth considering adding extras cover to your OVHC policy as paying for these treatments out of your own pocket can be very costly. Be aware that an extras policy by itself does not satisfy visa requirements.

General treatments covered by HIF extras policies

TreatmentPremium OptionsSuper OptionsSpecial OptionsSaver Options
Ambulance
  • Covered
  • Covered
  • Covered
  • Covered
Chiropractic
  • Covered
  • Covered
  • Covered
  • Covered
Complementary therapies
  • Covered
  • Covered
  • Covered
  • Covered
General dental
  • Covered
  • Covered
  • Covered
  • Covered
Dietetics
  • Covered
  • Covered
  • Covered
  • Covered
Healthy lifestyle
  • Covered
  • Covered
  • Covered
  • Covered
Optical
  • Covered
  • Covered
  • Covered
  • Covered
Osteopathy
  • Covered
  • Covered
  • Covered
  • Covered
Pharmacy drugs
  • Covered
  • Covered
  • Covered
  • Covered
Physiotherapy
  • Covered
  • Covered
  • Covered
  • Covered
Podiatry
  • Covered
  • Covered
  • Covered
  • Covered
Auxiliary home nursing
  • Covered
  • Covered
  • No cover
  • No cover
Asthmatic spacers
  • Covered
  • Covered
  • No cover
  • No cover
Diabetes education
  • Covered
  • Covered
  • No cover
  • No cover
Occupational therapy
  • Covered
  • Covered
  • No cover
  • No cover
Orthoptics
  • Covered
  • Covered
  • No cover
  • No cover
Peak-flow meter
  • Covered
  • Covered
  • No cover
  • No cover
Speech therapy
  • Covered
  • Covered
  • No cover
  • No cover
Blood glucose/pressure monitor
  • Covered
  • Covered
  • No cover
  • No cover
External prostheses
  • Covered
  • Covered
  • No cover
  • No cover
Major dental
  • Covered
  • Covered
  • Covered
  • No cover
Nebuliser/humidifier
  • Covered
  • Covered
  • No cover
  • No cover
Orthotic appliances
  • Covered
  • Covered
  • No cover
  • No cover
Psychological consultations
  • Covered
  • Covered
  • No cover
  • No cover
Assisted reproduction drugs
  • Covered
  • Covered
  • No cover
  • No cover
Hearing aids
  • Covered
  • Covered
  • No cover
  • No cover

What are the waiting periods on claims?

When you take out an OVHC policy with HIF, you will need to serve a waiting period before you will be eligible to access any benefits. These apply to both hospital and extras health insurance and will vary depending on the specific treatment or condition you claim for. Select your OVHC policy type to view the relevant waiting periods.

HIF OVHC hospital cover waiting periods

HIF OVHC extras cover waiting periods

How do I lodge a claim with HIF?

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What else should I know about HIF OVHC?

How long will it take for my visa compliance letter to arrive after I join HIF?

Your letter of compliance will be emailed to you instantly.

What happens if I cancel my health cover with HIF before my visa runs out?

If this happens, the insurer may be required to notify the Department of Immigration and Border Protection that your policy has been cancelled.

What happens if I’m from an RHCA country?

If your country has an RHCA with Australia, you may be exempt from the health insurance requirement on certain visas. Australia has RHCAs with the UK, Ireland, New Zealand, Belgium, the Netherlands, Italy, Malta, Sweden, Slovenia, Finland and Norway.

How long can my children stay on my policy?

If your children are dependent and living with you, they remain covered until they turn 21. If they are also studying at an approved Australian education institution, they can be covered until 25 years of age.

Do overseas students need to take out OVHC?

If you want to study in Australia on a temporary student visa, you may have to take out Overseas Student Health Cover (OSHC).

Get a quote for HIF Overseas Visitors Health Cover

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2 Responses to HIF Overseas Visitors Health Cover

  1. Default Gravatar
    Jati | March 1, 2017

    Details for having a Medicare equivalent Pvt. Health cover for a couple on a bridging visa for 864 visa

    • Staff
      Zubair | March 2, 2017

      Hi Jati,

      Thank you for your question.

      You have contacted finder.com.au, we are a comparison and information service and not actually HIF Health Insurance. To head over to the insurer website, Please click on ‘Get quote’ button on the top of the page. You may find our health insurance for bridging visas guide helpful.

      Please make sure though to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement PDS/T&C’s of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

      All the best,
      Zubair

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