HCF Overseas Visitors Health Cover is a comprehensive health insurance product designed
for visitors to Australia with the right to work. It also meets the minimum requirements
for health insurance for 457 visa applicants as set by the Department of Immigration.
Who is covered?
International visitors with the right to work who are not entitled to full Medicare
Australia benefits. This includes:
- People on visas 457 (long stay business visas), 456 (short stay business visas),
417 (working holiday), 419 (visiting academic) and 422 (medical practitioner)
- Visitors here for business purposes
- Consulate members here for diplomatic purposes
It is not appropriate for people under student visas, tourist visas or retiree visas.
What is covered?
Download the full product details including benefits, waiting periods, restrictions and exclusions for Overseas Visitors Health Cover [PDF] for more
You will be covered for:
- Accommodation in a public or HCF participating private hospital (including rehabilitation
and psychiatric, excluding private room accommodation for same day procedures and
private hospital emergency room fees)
- Theatre fees
- Special care unit (eg. intensive care, coronary care, neo-natal intensive care)
- 100% cover for government approved fully covered prostheses
- State government emergency ambulance cover
- Physiotherapy and pharmaceuticals related to your admission (excludes experimental
and high cost non-PBS drugs)
- Doctor’s charges for in-hospital treatment up to 100% of the MBS fee (see below).
Excess: You can choose a hospital excess of Nil, $500 or $1,000 to reduce your premium.
Please note: waiting periods apply for certain procedures.
Medical services (doctor’s charges)
You will receive benefits towards the costs of doctor’s charges in and out of hospital.
- For medical services billed by doctors who treat you in hospital, HCF will pay 100%
of the equivalent (MBS) fee.
Department of Human Services Benefits Schedule
Department of Human Services has a list of medical services for which benefits can be paid
– these are listed in the Medicare Benefits Schedule (MBS). The MBS covers most medical procedures and treatments provided by a doctor. It
applies to both in-hospital and out-of-hospital treatment. A schedule fee is associated
with each treatment. Most doctors charge above the schedule fee leaving a gap which
the patient must pay in some form.
- Most doctors charge above this rate leaving members with a gap. If your treating
doctor participates in HCF
fully covered arrangement then you will not need to pay this gap.
HCF Medicover is a “no gap” arrangement, which eliminates out-of-pocket expenses
for HCF members when used by participating doctors. HCF will pay all of a participating
doctor’s charge so that HCF members are covered for the medical gap with that doctor
for all in-hospital medical services. If a non-participating doctor charges up to
or less than the Medicover rate, you will receive the equivalent of the Medicare Benefit Schedule (MBS)
and a benefit up to the doctors charge.
No medical benefits are paid for services for which there are no MBS item numbers.
This includes services such as elective cosmetic surgery and surgery by an accredited
For medical services provided out of hospital, HCF will pay up to 85% of the MBS
Extras Cover (optional) – General Extras Plus or Multicover
If you choose to take out Extras cover as well, you will receive benefits for a
range of services, which HCF pays generous limits and benefits for.
The types of services included under this cover are:
- Dental treatment
- Physiotherapy, chiropractic, osteopathy
- Optical items
- Therapies including natural therapies
Why private health insurance and how does it work in Australia?
Like most countries, healthcare in Australia can be expensive, especially if you
are a non-resident and not entitled to support from Medicare Australia.
Australia's health care system has two main components:
- Medicare - provides eligible Australian residents with access to free treatment
in public hospitals and free or subsidised treatment by doctors, specialists and
other health professionals. Unless your country of residence has a
with Australia, then you will not have access to these services.
Australia has reciprocal agreements with the following countries. This means that
visitors from these countries are entitled to access Medicare services in Australia
for medically necessary situations. Please note that this does not include cover
in a private hospital, choice of doctor or access to additional services such as
dental, optical and physiotherapy. These services are only covered – partially
or in full, with private health insurance.
- New Zealand
- The United Kingdom
- The Republic of Ireland
- The Netherlands
For more information please visit the Department of Human Services website
- Private health insurance - supplements Medicare for Australian residents and covers
those who are not eligible for free or medically necessary treatment under Medicare
such as non-residents on working visas.