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.

Compare OVHC policies offered by HIF

Details Features
Comprehensive Working Visa + Excess
Comprehensive Working Visa + Excess
  • Visa Condition 8501 compliant
  • Up to $8,000 for repatriation
  • Excess option: Nil or $500
  • Cover for a private room in a private hospital
  • Cover for theatre and intensive care fees
  • Your choice of doctor or specialist
Get Quote More info
Intermediate Working Visa
Intermediate Working Visa
  • Visa Condition 8501 compliant
  • Up to $6,000 for repatriation
  • Excess option: Not available
  • Cover for hospital accomodation
  • Cover for maternity services
  • Instant visa compliance letter
Get Quote More info
Essentials Working Visa
Essentials Working Visa
  • Visa Condition 8501 compliant
  • Up to $4,000 for repatriation
  • Excess option: Not available
  • Cover for public hospital accomodation
  • Cover for maternity services
  • 100% back on emergency ambulance transport
Get Quote More info

Who needs HIF OVHC?

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 visa holders, including 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 by HIF OVHC?

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 + Excess Working Visa

This top-level cover is 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.

PolicyWhat is covered?What is excluded?
  • Comprehensive + Excess Working Visa
      • 100% ambulance
      • Hospital accommodation
    • Maternity services
    • Intensive care fees
    • Theatre fees
    • Pharmaceutical drugs
    • Medical repatriation
  • GP visits
  • X-rays and pathology
  • Cardio-thoracic services
  • Joint replacement
  • Psychiatric care and treatment
  • Palliative care
  • Eye surgery
  • Bone marrow and organ transplants
  • Assisted reproductive surgery
  • Any service not normally covered by Medicare

Intermediate Working Visa

This mid-level policy is 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.

PolicyWhat is covered?What is excluded?
  • Intermediate Working Visa
  • 100% ambulance
  • Hospital accommodation
  • Maternity services
  • Intensive care fees
  • Theatre fees
  • Pharmaceutical drugs
  • Medical repatriation
  • GP visits
  • X-rays and pathology
  • Cardio-thoracic services
  • Joint replacement
  • Psychiatric care and treatment
  • Palliative care
  • Eye surgery
  • No cover for private room in private hospital
  • Access Gap cover
  • Bone marrow and organ transplants
  • Assisted reproductive services
  • Any service not normally covered by Medicare

Essentials Working Visa

This entry-level option is designed to meet 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.

PolicyWhat is covered?What is excluded?
  • Essentials Working Visa
  • 100% ambulance
  • Hospital accommodation
  • Maternity services
  • Intensive care fees
  • Theatre fees
  • Pharmaceutical drugs
  • Prostheses
  • Medical repatriation
  • GP visits
  • Private hospital accommodation
  • Access Gap cover
  • Outpatient services
  • Emergency hospital department treatment
  • Bone marrow and organ transplants
  • Assisted reproductive services
  • Any service not normally covered by Medicare

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.

PolicyWhat is covered?What is excluded?
  • Visitor Value
  • 100% ambulance
  • Shared room in a public or private hospital
  • Inpatient medical bills
  • Theatre fees
  • Labour ward charges
  • Pharmaceutical drugs
  • Surgically implanted prostheses
  • Any service not normally covered by Medicare
  • Private room in a private hospital
  • Access Gap cover
  • Bone marrow and organ transplants
  • Assisted reproductive services
  • Medical repatriation

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.

  • This OVHC policy is not visa compliant
PolicyWhat is covered?What is excluded?
  • Visitor Saver
  • 100% ambulance
  • Shared room in a public hospital
  • Inpatient medical bills
  • Theatre fees
  • Pharmaceutical drugs
  • Surgically implanted prostheses
  • Any service not normally covered by Medicare
  • Private hospital accommodation
  • Access Gap cover
  • Outpatient services
  • Emergency hospital department treatment
  • Cardio-thoracic services
  • Bone marrow and organ transplants
  • Assisted reproductive services
  • Medical repatriation
  • 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?
This health insurance type covers you for medical treatments and services which are administered outside of hospital. Some common examples are dental, optical, physiotherapy and chiropractic services. It is worth considering adding extras cover to your OVHC policy, as the majority of these services are not covered by Australia's public health system and can be very costly. Be aware that taking out extras only without an accompanying OVHC policy will 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?

Loading...

Loading...

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

Was this content helpful to you? No  Yes

Related Posts

Ask a Question

You are about to post a question on finder.com.au

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the finder.com.au privacy policy, receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

Ask a question
feedback