Overseas Health Cover For Visitors

100% of the MBS

You're covered for doctors’ services for items listed on the Australian Government Medicare Benefits Schedule (MBS) and where the service would be eligible for an MBS benefit if provided to an Australian resident:
- For regular doctor visits, you’ll get back 100% when you see a doctor through our GP Network.
- For specialists and non-network doctors consultations, we'll cover you for 100% of the MBS fee.

Waiting Period: No waiting period

100% of the MBS

For pathology and radiology, we'll cover you for 100% of the MBS fee for services such as blood tests, scans and X-rays.

This doesn't include costs for medical examinations, X-rays, vaccinations or any treatment required for obtaining a visa to enter Australia, change in visa or application for permanent residency or examination for pre-employment purposes.

Waiting Period: No waiting period

Unlimited emergency transport to the nearest hospital from any location except a medical facility or hospital, or for on-the-spot treatment.

Excludes emergency ambulance transport from a medical facility or a hospital. Excludes all non-emergency ambulance services.

Waiting Period: No waiting period

$200 per visit when admitted and not admitted

A maximum of $200 per visit for emergency department fees including administration fees (when a charge is raised by the hospital).

Note: In hospital outpatient clinics (not emergency departments) benefits are only payable for medical fees where the service would be eligible for an MBS benefit if provided to an Australian resident. No other fees or charges are payable for outpatient clinics.

Waiting Period: No waiting period

Up to a maximum of $100 per individual medicine after you pay the PBS co-payment per medicine. Yearly limit is $200 per person.

PBS medicines given to you when you leave hospital (discharged) if they're part of your ongoing treatment.

Waiting Period: No waiting period

e.g. blood clotting disorders and bone marrow transplants

Waiting Period: No waiting period. Pre-existing conditions are not covered

e.g. carpal tunnel, fractures, hand surgery, joint fusion, bone spurs, osteomyelitis and surgery for bone cancer

Waiting Period: No waiting period. Pre-existing conditions are not covered

e.g. stroke, brain or spinal cord tumours, head injuries, epilepsy and Parkinson’s disease

Waiting Period: No waiting period. Pre-existing conditions are not covered

e.g. breast lesions, breast tumours, asymmetry due to breast cancer surgery and gynecomastia

Waiting Period: No waiting period. Pre-existing conditions are not covered

Hospital treatment for chemotherapy, radiotherapy and immunotherapy to treat cancer and benign tumors

Waiting Period: No waiting period. Pre-existing conditions are not covered

e.g. surgery to remove wisdom teeth and dental implant surgery

Waiting Period: No waiting period. Pre-existing conditions are not covered

e.g. stabilisation of hypo- or hyper-glycaemia, contour problems due to insulin injections

Waiting Period: No waiting period. Pre-existing conditions are not covered

e.g. oesophageal cancer, irritable bowel syndrome, gall stones and haemorrhoids

Waiting Period: No waiting period. Pre-existing conditions are not covered

e.g. damaged ear drum, sinus surgery, removal of foreign bodies, stapedectomy and throat cancer

Waiting Period: No waiting period. Pre-existing conditions are not covered

e.g. retinal detachment, tear duct conditions, eye infections and medically managed trauma to the eye

Waiting Period: No waiting period. Pre-existing conditions are not covered

e.g. colonoscopy, gastroscopy, endoscopic retrograde cholangiopancreatography (ERCP)

Waiting Period: No waiting period. Pre-existing conditions are not covered

e.g. endometriosis, polycystic ovaries, female sterilisation and cervical cancer

Waiting Period: No waiting period. Pre-existing conditions are not covered

e.g. hernia operations and appendicitis

Waiting Period: No waiting period. Pre-existing conditions are not covered

Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.

Includes associated speech and sound processors including upgrades

Waiting Period: No waiting period. Pre-existing conditions are not covered

Hospital treatment to provide and replace insulin pumps to treat diabetes, including certified Type C procedures and certified overnight Type C procedures to treat diabetes

Covered for certified Type C procedures and certified overnight Type C procedures for the treatment of diabetes.

Waiting Period: No waiting period. Pre-existing conditions are not covered

e.g. torn tendons, rotator cuff tears and damaged ligaments

Waiting Period: No waiting period. Pre-existing conditions are not covered

e.g. lung cancer, respiratory disorders such as asthma, pneumonia and treatment of trauma to the chest

Waiting Period: No waiting period. Pre-existing conditions are not covered

e.g. male sterilisation, circumcision and prostate cancer

Waiting Period: No waiting period. Pre-existing conditions are not covered

Hospital treatment to investigate and treat a miscarriage or to terminate a pregnancy. E.g. dilation and curettage (D&C), management of ectopic pregnancy and surgical termination

Waiting Period: No waiting period. Pre-existing conditions are not covered

e.g. treatment of nerve pain and chest pain due to cancer by injection of a nerve block

Waiting Period: No waiting period. Pre-existing conditions are not covered

Hospital treatment to implant, replace, or for other surgical device management for pain treatment. E.g. nerve pain and back pain treatment, pain caused by coronary heart disease with a device

Waiting Period: No waiting period. Pre-existing conditions are not covered

Hospital treatment for physical rehabilitation for a patient related to surgery or illness. E.g. inpatient and admitted day patient rehabilitation, stroke recovery and cardiac rehabilitation

Waiting Period: No waiting period. Pre-existing conditions are not covered

e.g. melanoma, minor wound repair and abscesses

Waiting Period: No waiting period. Pre-existing conditions are not covered

e.g. sleep apnoea and snoring

Waiting Period: No waiting period. Pre-existing conditions are not covered

e.g. hospital treatment of the tonsils, adenoids and insertion or removal of grommets

Waiting Period: No waiting period. Pre-existing conditions are not covered

100% of the MBS

You're covered for doctors’ services for items listed on the Australian Government Medicare Benefits Schedule (MBS) and where the service would be eligible for an MBS benefit if provided to an Australian resident:
- For regular doctor visits, you’ll get back 100% when you see a doctor through our GP Network.
- For specialists and non-network doctors consultations, we'll cover you for 100% of the MBS fee.

Waiting Period: No waiting period

Up to a maximum of $100 per individual medicine after you pay the PBS co-payment per medicine. Yearly limit for discharge and scripted medicines is $250 per person.

Medicines required on a script given to you by a doctor from a medical practice or an emergency department.

Waiting Period: 2 Months

100% of the MBS

For pathology and radiology, we'll cover you for 100% of the MBS fee for services such as blood tests, scans and X-rays.

This doesn't include costs for medical examinations, X-rays, vaccinations or any treatment required for obtaining a visa to enter Australia, change in visa or application for permanent residency or examination for pre-employment purposes.

Waiting Period: No waiting period

Unlimited emergency transport to the nearest hospital from any location except a medical facility or hospital, or for on-the-spot treatment.

Excludes emergency ambulance transport from a medical facility or a hospital. Excludes all non-emergency ambulance services.

Waiting Period: No waiting period

$200 per visit when admitted and not admitted

A maximum of $200 per visit for emergency department fees including administration fees (when a charge is raised by the hospital).

Note: In hospital outpatient clinics (not emergency departments) benefits are only payable for medical fees where the service would be eligible for an MBS benefit if provided to an Australian resident. No other fees or charges are payable for outpatient clinics.

Waiting Period: No waiting period

Up to a maximum of $100 per individual medicine after you pay the PBS co-payment per medicine. Yearly limit is $250 per person.

PBS medicines given to you when you leave hospital (discharged) if they're part of your ongoing treatment.

Waiting Period: 2 months or 12 months for a pre-existing condition

The waiting period for a pre-existing condition is 12 months. The waiting period for hospital psychiatric, rehabilitation and palliative care services is 2 months. A pre-existing condition means an ailment, illness or condition, the signs or symptoms of which in the opinion of a Medical Practitioner appointed by HCF, existed in the period of 6 months ending on the day on which the Policyholder is covered for Hospital Benefits or upgrades to a higher Product or Insured Group. The test applied relies on the presence of signs or symptoms of the illness, ailment or condition; not on a diagnosis.

Waiting Period: 12 months

e.g. sciatica, prolapsed or herniated disc, and spine curvature disorders such as scoliosis

Waiting Period: 12 months for a pre-existing condition

e.g. blood clotting disorders and bone marrow transplants

Waiting Period: 12 months for a pre-existing condition

e.g. carpal tunnel, fractures, hand surgery, joint fusion, bone spurs, osteomyelitis and surgery for bone cancer

Waiting Period: 12 months for a pre-existing condition

e.g. stroke, brain or spinal cord tumours, head injuries, epilepsy and Parkinson’s disease

Waiting Period: 12 months for a pre-existing condition

e.g. breast lesions, breast tumours, asymmetry due to breast cancer surgery and gynecomastia

Waiting Period: 12 months for a pre-existing condition

Hospital treatment for chemotherapy, radiotherapy and immunotherapy to treat cancer and benign tumors

Waiting Period: 12 months for a pre-existing condition

e.g. surgery to remove wisdom teeth and dental implant surgery

Waiting Period: 12 months for a pre-existing condition

e.g. stabilisation of hypo- or hyper-glycaemia, contour problems due to insulin injections

Waiting Period: 12 months for a pre-existing condition

e.g. oesophageal cancer, irritable bowel syndrome, gall stones and haemorrhoids

Waiting Period: 12 months for a pre-existing condition

e.g. damaged ear drum, sinus surgery, removal of foreign bodies, stapedectomy and throat cancer

Waiting Period: 12 months for a pre-existing condition

e.g. retinal detachment, tear duct conditions, eye infections and medically managed trauma to the eye

Waiting Period: 12 months for a pre-existing condition

e.g. colonoscopy, gastroscopy, endoscopic retrograde cholangiopancreatography (ERCP)

Waiting Period: 12 months for a pre-existing condition

e.g. endometriosis, polycystic ovaries, female sterilisation and cervical cancer

Waiting Period: 12 months for a pre-existing condition

e.g. hernia operations and appendicitis

Waiting Period: 12 months for a pre-existing condition

Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.

Includes associated speech and sound processors including upgrades.

Waiting Period: 12 months for a pre-existing condition

Hospital treatment to provide and replace insulin pumps to treat diabetes, including certified Type C procedures and certified overnight Type C procedures to treat diabetes

Covered for certified Type C procedures and certified overnight Type C procedures for the treatment of diabetes.

Waiting Period: 12 months for a pre-existing condition

e.g. torn tendons, rotator cuff tears and damaged ligaments

Waiting Period: 12 months for a pre-existing condition

e.g. lung cancer, respiratory disorders such as asthma, pneumonia and treatment of trauma to the chest

Waiting Period: 12 months for a pre-existing condition

e.g. male sterilisation, circumcision and prostate cancer

Waiting Period: 12 months for a pre-existing condition

Hospital treatment to investigate and treat a miscarriage or to terminate a pregnancy. E.g. dilation and curettage (D&C), management of ectopic pregnancy and surgical termination

Waiting Period: 12 months for a pre-existing condition

e.g. treatment of nerve pain and chest pain due to cancer by injection of a nerve block

Waiting Period: 12 months for a pre-existing condition

Hospital treatment to implant, replace, or for other surgical device management for pain treatment. E.g. nerve pain and back pain treatment, pain caused by coronary heart disease with a device

Waiting Period: 12 months for a pre-existing condition

Hospital treatment and care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.

Waiting Period: 12 months for a pre-existing condition

Hospital treatment for physical rehabilitation for a patient related to surgery or illness. E.g. inpatient and admitted day patient rehabilitation, stroke recovery and cardiac rehabilitation

Waiting Period: 12 months for a pre-existing condition

e.g. melanoma, minor wound repair and abscesses

Waiting Period: 12 months for a pre-existing condition

e.g. sleep apnoea and snoring

Waiting Period: 12 months for a pre-existing condition

e.g. hospital treatment of the tonsils, adenoids and insertion or removal of grommets

Waiting Period: 12 months for a pre-existing condition

100% of the MBS

You're covered for doctors’ services for items listed on the Australian Government Medicare Benefits Schedule (MBS) and where the service would be eligible for an MBS benefit if provided to an Australian resident:
- For regular doctor visits, you’ll get back 100% when you see a doctor through our GP Network.
- For specialists and non-network doctors consultations, we'll cover you for 100% of the MBS fee.

Waiting Period: No waiting period

Up to a maximum of $100 per individual medicine after you pay the PBS co-payment per medicine. Yearly limit for discharge and scripted medicines is $300 per person.

Medicines required on a script given to you by a doctor from a medical practice or an emergency department.

Waiting Period: 2 Months

100% of the MBS

For pathology and radiology, we'll cover you for 100% of the MBS fee for services such as blood tests, scans and X-rays.

This doesn't include costs for medical examinations, X-rays, vaccinations or any treatment required for obtaining a visa to enter Australia, change in visa or application for permanent residency or examination for pre-employment purposes.

Waiting Period: No waiting period

Unlimited emergency transport to the nearest hospital from any location except a medical facility or hospital, or for on-the-spot treatment.

Excludes emergency ambulance transport from a medical facility or a hospital. Excludes all non-emergency ambulance services.

Waiting Period: No waiting period

$200 per visit when admitted and not admitted

A maximum of $200 per visit for emergency department fees including administration fees (when a charge is raised by the hospital).

Note: In hospital outpatient clinics (not emergency departments) benefits are only payable for medical fees where the service would be eligible for an MBS benefit if provided to an Australian resident. No other fees or charges are payable for outpatient clinics.

Waiting Period: No waiting period

Up to a maximum of $100 per individual medicine after you pay the PBS co-payment per medicine. Yearly limit is $300 per person.

PBS medicines given to you when you leave hospital (discharged) if they're part of your ongoing treatment.

Waiting Period: 2 months or 12 months for a pre-existing condition

The waiting period for a pre-existing condition is 12 months. The waiting period for hospital psychiatric, rehabilitation and palliative care services is 2 months. A pre-existing condition means an ailment, illness or condition, the signs or symptoms of which in the opinion of a Medical Practitioner appointed by HCF, existed in the period of 6 months ending on the day on which the Policyholder is covered for Hospital Benefits or upgrades to a higher Product or Insured Group. The test applied relies on the presence of signs or symptoms of the illness, ailment or condition; not on a diagnosis.

Waiting Period: 12 months

e.g. sciatica, prolapsed or herniated disc, and spine curvature disorders such as scoliosis

Waiting Period: 12 months for a pre-existing condition

e.g. blood clotting disorders and bone marrow transplants

Waiting Period: 12 months for a pre-existing condition

e.g. carpal tunnel, fractures, hand surgery, joint fusion, bone spurs, osteomyelitis and surgery for bone cancer

Waiting Period: 12 months for a pre-existing condition

e.g. stroke, brain or spinal cord tumours, head injuries, epilepsy and Parkinson’s disease

Waiting Period: 12 months for a pre-existing condition

e.g. breast lesions, breast tumours, asymmetry due to breast cancer surgery and gynecomastia

Waiting Period: 12 months for a pre-existing condition

e.g. retinal detachment, tear duct conditions, eye infections and medically managed trauma to the eye

Waiting Period: 12 months for a pre-existing condition

Hospital treatment for chemotherapy, radiotherapy and immunotherapy to treat cancer and benign tumors

Waiting Period: 12 months for a pre-existing condition

e.g. surgery to remove wisdom teeth and dental implant surgery

Waiting Period: 12 months for a pre-existing condition

e.g. stabilisation of hypo- or hyper-glycaemia, contour problems due to insulin injections

Waiting Period: 12 months for a pre-existing condition

e.g. oesophageal cancer, irritable bowel syndrome, gall stones and haemorrhoids

Waiting Period: 12 months for a pre-existing condition

e.g. damaged ear drum, sinus surgery, removal of foreign bodies, stapedectomy and throat cancer

Waiting Period: 12 months for a pre-existing condition

e.g. retinal detachment, tear duct conditions, eye infections and medically managed trauma to the eye

Waiting Period: 12 months for a pre-existing condition

e.g. colonoscopy, gastroscopy, endoscopic retrograde cholangiopancreatography (ERCP)

Waiting Period: 12 months for a pre-existing condition

e.g. endometriosis, polycystic ovaries, female sterilisation and cervical cancer

Waiting Period: 12 months for a pre-existing condition

e.g. heart failure and heart attack, monitoring of heart conditions, varicose veins and removal of plaque from arterial walls

Waiting Period: 12 months for a pre-existing condition

e.g. hernia operations and appendicitis

Waiting Period: 12 months for a pre-existing condition

Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.

Includes associated speech and sound processors including upgrades.

Waiting Period: 12 months for a pre-existing condition

Hospital treatment to provide and replace insulin pumps to treat diabetes, including certified Type C procedures and certified overnight Type C procedures to treat diabetes

Covered for certified Type C procedures and certified overnight Type C procedures for the treatment of diabetes.

Waiting Period: 12 months for a pre-existing condition

e.g. torn tendons, rotator cuff tears and damaged ligaments

Waiting Period: 12 months for a pre-existing condition

e.g. replacement of shoulder, wrist, finger, hip, knee, ankle and toe joints

Waiting Period: 12 months for a pre-existing condition

e.g. lung cancer, respiratory disorders such as asthma, pneumonia and treatment of trauma to the chest

Waiting Period: 12 months for a pre-existing condition

e.g. male sterilisation, circumcision and prostate cancer

Waiting Period: 12 months for a pre-existing condition

Hospital treatment to investigate and treat a miscarriage or to terminate a pregnancy. E.g. dilation and curettage (D&C), management of ectopic pregnancy and surgical termination

Waiting Period: 12 months for a pre-existing condition

e.g. treatment of nerve pain and chest pain due to cancer by injection of a nerve block

Waiting Period: 12 months for a pre-existing condition

Hospital treatment to implant, replace, or for other surgical device management for pain treatment. E.g. nerve pain and back pain treatment, pain caused by coronary heart disease with a device

Waiting Period: 12 months for a pre-existing condition

Hospital treatment and care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.

Waiting Period: 12 months for a pre-existing condition

Hospital treatment for physical rehabilitation for a patient related to surgery or illness. E.g. inpatient and admitted day patient rehabilitation, stroke recovery and cardiac rehabilitation

Waiting Period: 12 months for a pre-existing condition

e.g. melanoma, minor wound repair and abscesses

Waiting Period: 12 months for a pre-existing condition

e.g. sleep apnoea and snoring

Waiting Period: 12 months for a pre-existing condition

e.g. hospital treatment of the tonsils, adenoids and insertion or removal of grommets

Waiting Period: 12 months for a pre-existing condition