Compare Overseas Visitors Health Cover (OVHC) at HCF

Unlimited emergency ambulance transport to the nearest hospital from any location except a medical facility, including transfers between hospitals but only when the original admitting hospital does not have the required clinical facilities.

Excludes emergency ambulance transport from a medical facility or a hospital except for emergency inter-hospital transfers where the original admitting hospital doesn't have the required clinical facilities.

Waiting Period: No waiting period

100% only when admitted to hospital

You'll be covered and pay $0 for emergency department fees including administration fees if the visit leads to an admission (and 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

Unlimited. PBS listed price after PBS copayment deducted

Medicines given to you when you leave hospital after being admitted and discharged are covered if part of your ongoing treatment. Your ongoing treatment includes medicines provided on a script given to you by a doctor from a medical practice that relate to your reason for admission to hospital or post discharge. We’ll cover you for the PBS listed price after you pay an amount equivalent to the current PBS general patient co-payment per medicine.

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. peritoneal dialysis and haemodialysis

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. kidney stones, adrenal gland tumour and incontinence (excluding organ transplant)

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: 2 months

e.g. burns requiring a graft, cleft palate, club foot and angioma

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: 2 months

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

Up to $50,000

Repatriation covers the costs (air fares, on-board stretcher, accompanying aero-medical specialists and nursing staff) of returning you to your home country when it's deemed medically necessary by a medical practitioner appointed by HCF due to a medical condition covered under your policy

Waiting Period: No waiting period but you must be eligible for hospital benefits for the condition you are being repatriated for (e.g. if it's a pre-existing condition and you have not served your 12 month waiting period (where applicable), we will not cover repatriation)

Up to $15,000

In the unfortunate event of someone on your cover passing away, and if the person passed away due to a medical condition covered under the policy, HCF will pay for the costs of returning their mortal remains to your home country, or the funeral costs if the body is buried or cremated in Australia

Waiting Period: No waiting period but the member must have been eligible for hospital benefits for the condition that led to their death (e.g. if the member has died from a condition that was a pre-existing condition and they had not served their 12 month waiting period (where applicable), benefits are not payable for the return of their body or funeral expenses in Australia).

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 is $200 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 ambulance transport to the nearest hospital from any location except a medical facility, including transfers between hospitals but only when the original admitting hospital does not have the required clinical facilities.

Excludes emergency ambulance transport from a medical facility or a hospital except for emergency inter-hospital transfers where the original admitting hospital doesn't have the required clinical facilities.

Waiting Period: No waiting period

100% only when admitted to hospital

You'll be covered and pay $0 for emergency department fees including administration fees if the visit leads to an admission (and 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

Unlimited. PBS listed price after PBS copayment deducted

Medicines given to you when you leave hospital after being admitted and discharged are covered if part of your ongoing treatment. Your ongoing treatment includes medicines provided on a script given to you by a doctor from a medical practice that relate to your reason for admission to hospital or post discharge. We’ll cover you for the PBS listed price after you pay an amount equivalent to the current PBS general patient co-payment per medicine.

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. peritoneal dialysis and haemodialysis

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. kidney stones, adrenal gland tumour and incontinence (excluding organ transplant)

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: 2 months

e.g. burns requiring a graft, cleft palate, club foot and angioma

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: 2 months

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

Up to $100,000

Repatriation covers the costs (air fares, on-board stretcher, accompanying aero-medical specialists and nursing staff) of returning you to your home country when it's deemed medically necessary by a medical practitioner appointed by HCF due to a medical condition covered under your policy

Waiting Period: No waiting period but you must be eligible for hospital benefits for the condition you are being repatriated for (e.g. if it's a pre-existing condition and you have not served your 12 month waiting period (where applicable), we will not cover repatriation)

Up to $15,000

In the unfortunate event of someone on your cover passing away, and if the person passed away due to a medical condition covered under the policy, HCF will pay for the costs of returning their mortal remains to your home country, or the funeral costs if the body is buried or cremated in Australia

Waiting Period: No waiting period but the member must have been eligible for hospital benefits for the condition that led to their death (e.g. if the member has died from a condition that was a pre-existing condition and they had not served their 12 month waiting period (where applicable), benefits are not payable for the return of their body or funeral expenses in Australia).

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 is $350 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 ambulance transport to the nearest hospital from any location except a medical facility, including transfers between hospitals but only when the original admitting hospital does not have the required clinical facilities.

Excludes emergency ambulance transport from a medical facility or a hospital except for emergency inter-hospital transfers where the original admitting hospital doesn't have the required clinical facilities.

Waiting Period: No waiting period

100% when admitted. $200 per visit when not admitted

You'll be covered and pay $0 for emergency department fees including administration fees if the visit leads to an admission (and a charge is raised by the hospital).

If you're not admitted, we'll pay up to $200 per visit.

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

Unlimited. PBS listed price after PBS copayment deducted

Medicines given to you when you leave hospital after being admitted and discharged are covered if part of your ongoing treatment. Your ongoing treatment includes medicines provided on a script given to you by a doctor from a medical practice that relate to your reason for admission to hospital or post discharge. We’ll cover you for the PBS listed price after you pay an amount equivalent to the current PBS general patient co-payment per medicine.

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. peritoneal dialysis and haemodialysis

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. kidney stones, adrenal gland tumour and incontinence (excluding organ transplant)

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: 2 months

e.g. burns requiring a graft, cleft palate, club foot and angioma

Waiting Period: 12 months for a pre-existing condition

Hospital treatment for investigation and treatment of conditions asssociated with pregnancy and childbirth. E.g. prenatal care, childbirth (vaginal or caesarean) and postnatal recovery.

Waiting Period: 12 months

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: 2 months

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

Up to $100,000

Repatriation covers the costs (air fares, on-board stretcher, accompanying aero-medical specialists and nursing staff) of returning you to your home country when it's deemed medically necessary by a medical practitioner appointed by HCF due to a medical condition covered under your policy

Waiting Period: No waiting period but you must be eligible for hospital benefits for the condition you are being repatriated for (e.g. if it's a pre-existing condition and you have not served your 12 month waiting period (where applicable), we will not cover repatriation)

Up to $15,000

In the unfortunate event of someone on your cover passing away, and if the person passed away due to a medical condition covered under the policy, HCF will pay for the costs of returning their mortal remains to your home country, or the funeral costs if the body is buried or cremated in Australia

Waiting Period: No waiting period but the member must have been eligible for hospital benefits for the condition that led to their death (e.g. if the member has died from a condition that was a pre-existing condition and they had not served their 12 month waiting period (where applicable), benefits are not payable for the return of their body or funeral expenses in Australia).

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 is $500 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 ambulance transport to the nearest hospital from any location except a medical facility, including transfers between hospitals but only when the original admitting hospital does not have the required clinical facilities.

Excludes emergency ambulance transport from a medical facility or a hospital except for emergency inter-hospital transfers where the original admitting hospital doesn't have the required clinical facilities.

Waiting Period: No waiting period

100% when admitted. $200 per visit when not admitted

You'll be covered and pay $0 for emergency department fees including administration fees if the visit leads to an admission (and a charge is raised by the hospital).

If you're not admitted, we'll pay up to $200 per visit.

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

Unlimited. PBS listed price after PBS copayment deducted

Medicines given to you when you leave hospital after being admitted and discharged are covered if part of your ongoing treatment. Your ongoing treatment includes medicines provided on a script given to you by a doctor from a medical practice that relate to your reason for admission to hospital or post discharge. We’ll cover you for the PBS listed price after you pay an amount equivalent to the current PBS general patient co-payment per medicine.

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

Hospital treatment for fertility treatments or procedures. E.g. egg or sperm retrieval, In Vitro Fertilisation (IVF) and Gamete Intra-fallopian Transfer (GIFT).

Waiting Period: 12 months for a pre-existing condition

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. peritoneal dialysis and haemodialysis

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 for the care and management of patients with psychiatric, mental health, addiciton or behavioural disorders. E.g. mood disorders like depression, eating diorders, addiction recover, and psychoses like schizophenia

Waiting Period: 2 months

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. kidney stones, adrenal gland tumour and incontinence (excluding organ transplant)

Waiting Period: 12 months for a pre-existing condition

e.g. kidney stones, adrenal gland tumour and incontinence

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: 2 months

e.g. burns requiring a graft, cleft palate, club foot and angioma

Waiting Period: 12 months for a pre-existing condition

Hospital treatment for investigation and treatment of conditions asssociated with pregnancy and childbirth. E.g. prenatal care, childbirth (vaginal or caesarean) and postnatal recovery.

Waiting Period: 12 months

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: 2 months

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

Hospital treatment for surgery that's designed to reduce a person's weight, remove excess skin because of weight loss, and reverse a bariatric procedure. E.g. gastric bypass, sleeve gastrectomy and adjustable gastric banding

Waiting Period: 12 months for a pre-existing condition

Up to $110,000

Repatriation covers the costs (air fares, on-board stretcher, accompanying aero-medical specialists and nursing staff) of returning you to your home country when it's deemed medically necessary by a medical practitioner appointed by HCF due to a medical condition covered under your policy

Waiting Period: No waiting period but you must be eligible for hospital benefits for the condition you are being repatriated for (e.g. if it's a pre-existing condition and you have not served your 12 month waiting period (where applicable), we will not cover repatriation)

Up to $20,000

In the unfortunate event of someone on your cover passing away, and if the person passed away due to a medical condition covered under the policy, HCF will pay for the costs of returning their mortal remains to your home country, or the funeral costs if the body is buried or cremated in Australia

Waiting Period: No waiting period but the member must have been eligible for hospital benefits for the condition that led to their death (e.g. if the member has died from a condition that was a pre-existing condition and they had not served their 12 month waiting period (where applicable), benefits are not payable for the return of their body or funeral expenses in Australia).