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Find A Hospital Or Doctor For Your OVHC

You may be able to lower medical costs by visiting a hospital or doctor in the HCF network.

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Find a participating hospital

If you visit a hospital in our network, you can reduce your costs for treatment or services that are covered by your health cover.

Find your nearest participating hospital

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In an emergency

If you have a medical emergency, call Triple Zero (000) immediately or go to your nearest hospital. 

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Online doctor consultations

Access 10-minute standard online consultations with a qualified and experienced general practitioner (GP) through GP2U and and you could get 100% back on the appointment*.

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24/7 helpline

If you or your family need to find a doctor or hospital, or have questions about your health, call our 24/7 helpline on 13 68 42 and press 2. In an emergency, call Triple Zero (000).

Do I Need A Doctor Or Hospital?

In Australia, a doctor (known as a General Practitioner or GP) will probably be the first person you’ll see if you have a health issue.

Doctors

In the HCF network

If you see a GP from the HCF network, you’ll need to pay their fees upfront after your visit, but you can claim 100% back on eligible visits. To claim your money back, complete the OVHC Claim Form and send it to us with the receipt. You can:

To find a GP from the HCF network, call our 24/7 helpline on 13 68 42. Or you can access no-gap 10-minute standard online consultations with a qualified and experienced GP with GP2U*.

Outside the HCF network

If you visit a GP that isn’t part of the HCF network, there may be a cost to you if the GP charges more than the Medicare Benefits Schedule (MBS) fee.

Specialists

In hospital for planned surgery or treatment

If you need to go to hospital for a planned surgical procedure or treatment, choosing a specialist from the HCF network may reduce your costs. Ask the doctor if your cover will pay for the entire cost of your treatment, or if there’ll be any other costs you’ll need to pay.

To find a specialist, call our 24/7 helpline on 13 68 42 or go to the Healthshare website.

For medical advice

If you need to see a specialist for medical advice, you’ll need a referral from a GP. Depending on what the specialist charges, there may be out-of-pocket costs.

Hospitals

In the HCF network

We have agreements with most private hospitals around Australia. If you visit a hospital in our network, it can help reduce your costs for treatment or services that are covered by your health cover. But you’ll still need to pay your hospital excess if you have one.

To find hospitals in the HCF network, use the search tool above.

Outside the HCF network

If you decide to go to a private hospital that isn’t in our network, you may have significant out-of-pocket costs. Please ask the hospital what your costs will be before you’re treated, so you understand what you’ll need to pay. This is known as Informed Financial Consent. In some instances, and depending on your cover, treatment and length of stay, the cost could be up to tens or hundreds of thousands of dollars.

Public hospitals

If you're treated as a private patient in a public hospital for services included in your cover, the benefits we pay are determined by the state or territory health authority. You may have additional costs to pay.

If you have any questions, call our 24/7 helpline on 13 68 42 (and press 2).

Extras providers

In the HCF network

If you're covered for extras (Overseas Visitors Top and Top Plus cover), using a provider from the HCF network will reduce your costs (there may still be out-of-pocket costs depending on the treatment). You may also be able to claim on the spot from providers like:

  • dentists
  • optometrists
  • physiotherapists
  • chiropractors
  • osteopaths
  • podiatrists.

Outside the HCF network

If you visit an extras provider that isn’t part of the HCF network, there may be higher out-of-pocket costs.

Doctors

In the HCF network

If you see a GP from the HCF network, you’ll need to pay their fees upfront after your visit, but you can claim 100% back on eligible visits. To claim your money back, complete the OVHC Claim Form and send it to us with the receipt. You can:

To find a GP from the HCF network, call our 24/7 helpline on 13 68 42. Or you can access no-gap 10-minute standard online consultations with a qualified and experienced GP with GP2U*.

Outside the HCF network

If you visit a GP that isn’t part of the HCF network, there may be a cost to you if the GP charges more than the Medicare Benefits Schedule (MBS) fee.

Specialists

In hospital for planned surgery or treatment

If you need to go to hospital for a planned surgical procedure or treatment, choosing a specialist from the HCF network may reduce your costs. Ask the doctor if your cover will pay for the entire cost of your treatment, or if there’ll be any other costs you’ll need to pay.

To find a specialist, call our 24/7 helpline on 13 68 42 or go to the Healthshare website.

For medical advice

If you need to see a specialist for medical advice, you’ll need a referral from a GP. Depending on what the specialist charges, there may be out-of-pocket costs.

Hospitals

In the HCF network

We have agreements with most private hospitals around Australia. If you visit a hospital in our network, it can help reduce your costs for treatment or services that are covered by your health cover. But you’ll still need to pay your hospital excess if you have one.

To find hospitals in the HCF network, use the search tool above.

Outside the HCF network

If you decide to go to a private hospital that isn’t in our network, you may have significant out-of-pocket costs. Please ask the hospital what your costs will be before you’re treated, so you understand what you’ll need to pay. This is known as Informed Financial Consent. In some instances, and depending on your cover, treatment and length of stay, the cost could be up to tens or hundreds of thousands of dollars.

Public hospitals

If you're treated as a private patient in a public hospital for services included in your cover, the benefits we pay are determined by the state or territory health authority. You may have additional costs to pay.

If you have any questions, call our 24/7 helpline on 13 68 42 (and press 2).

Extras providers

In the HCF network

If you're covered for extras (Overseas Visitors Top and Top Plus cover), using a provider from the HCF network will reduce your costs (there may still be out-of-pocket costs depending on the treatment). You may also be able to claim on the spot from providers like:

  • dentists
  • optometrists
  • physiotherapists
  • chiropractors
  • osteopaths
  • podiatrists.

Outside the HCF network

If you visit an extras provider that isn’t part of the HCF network, there may be higher out-of-pocket costs.

Need help?

Can’t find what you’re looking for?

We’re here to help. Our friendly team speaks many different languages.

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Membership enquiries

If you have questions about your cover, you can call our team Monday to Friday, 8.30am to 5pm (AEST/AEDT).

13 68 42 (within Australia) 

+61 2 7230 5100 (outside Australia) 

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24/7 helpline

If you need help finding a doctor or hospital, or have questions about your health, call our 24/7 helpline.

13 68 42 – option 2 (within Australia)

+61 2 7230 5100 – option 2 (outside Australia)

In an emergency, call Triple Zero (000).

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Visit us

Speak to our friendly health cover experts at your nearest HCF branch.

Find a location

Important Information

* Available on all HCF Overseas Visitors Health Covers, except Overseas Visitors Basic Cover. Eligible members under 16 years may need to have a parent or guardian present.

HCF acknowledges the traditional custodians of the lands and water upon which we work and live. We acknowledge Aboriginal and Torres Strait Islander peoples’ rich history as traditional healers and scientists, who have taken care of the health of the land and its people for thousands of years. We give thanks to elders past and present, who we have much to learn from on our reconciliation journey. View our Reconciliation Action Plan