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Compare & Switch
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Compare & Switch
Looking to compare, take out private health insurance or make the switch to HCF? Find the right cover for your needs and we’ll take care of the rest.
- Compare Health Insurance
- Switch health insurance to HCF
- Get a quote
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Health
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Health
Discover the benefits of private health insurance for you and your family, including comprehensive health support and how to find a provider near you.
- Why health insurance
- Find health insurance cover
- Corporate health search
- Find a provider
- Health programs
- Get a quote Find out more
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Overseas Health Cover
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Overseas Visitors Health Insurance (OVHC)
Whether you’re here for work or visiting Australia, get access to the health care services you may need with Overseas Visitors Health Cover (OVHC).
- Search for my visa
- Compare covers
- Why you need OVHC
- Make a claim
- Find a hospital or doctor
- Get a quote Find out more
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Life
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HCF Life and Recover Cover
Count on HCF Life & Recover Cover to stand by you during life’s unexpected challenges and reduce the financial stress on your family’s future.
- Why Life Insurance and Recover Cover
- Find Life Insurance and Recover Cover
- Compare Life Insurance and Recover Cover
- Income Protect Insurance
- Life Protect Insurance
- Critical Illness Insurance
- Find out more
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Travel
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Travel
Prepare for the unexpected with HCF Travel Insurance. Designed to provide cover for delayed luggage, overseas medical emergencies and more for singles, duos and families.
- Find out more
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Pet, Home & Car
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Pet, Home & Car
From furry friends to your home and the four wheels guiding you back to your loved ones, find pet insurance, as well as home and car cover options.
- Pet
- Home & Contents
- Landlord
- Car
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Flip
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Flip
Flip helps you to embrace life's moments with simple, affordable insurance and easy access to preventative dental care.
- Flip insurance
- Flip Dental
- Get cover now
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About HCF
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About HCF
Learn more about Australia’s largest not-for-profit health fund, how we reward our members, HCF benefits, partnerships, research initiatives and more.
- Our benefits
- Our partners
- Member care services
- Research Foundation
- Sustainability
- Loyalty program
- Get help
- Get a quote
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See All Visas We Cover
Coming to Australia to work, study or enjoy a holiday? Find health cover for your visa and worry less about healthcare costs for you and your loved ones.
Popular Visas
Find health cover for the most common visa types.
Visa 600
Visitor
For tourists, business visitors or to visit family.
Visa 482
Skills in Demand
Lets an employer sponsor a suitably skilled worker to fill a position.
Visa 485
Temporary Graduate
Allows international students to live, study and work after they have finished their studies.
Visa 461
New Zealand Family Relationship (temporary)
Allows a member of a family unit of a New Zealand citizen live, work and study in Australia for 5 years.
Visa 010
Bridging visa A
Allows you to stay in Australia after your current substantive visa ceases and while your new substantive visa application is being processed.
Do I need OVHC?
Overseas Visitors Health Cover (OVHC) is health insurance for people who are working in Australia or visiting on a temporary visa. It can help you access healthcare services in Australia at a lower cost. It may also be a requirement for your visa (visa condition 8501).
Depending on the level of cover you choose, OVHC can cover costs for:
- medical expenses like doctor's fees, tests and scans^
- emergency ambulance services+
- hospital admissions for essential surgery and hospital stays
- extras services like dental, glasses and physiotherapy.
You may still have out-of-pocket costs you need to pay.
Some visas (including visitor visas) may not require OVHC because visa condition 8501 doesn't apply. However, OVHC may still be a good idea to help reduce unexpected healthcare costs while you’re staying in Australia.
Need help?
Can’t find what you’re looking for?
We’re here to help. Our friendly team speaks many different languages.
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)
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).
Visit us
Speak to our friendly health cover experts at your nearest HCF branch.
Important Information
* If your partner or children have a different visa type to you, you may need to buy a different health cover.
^ 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 purpose.
+ Covers emergency ambulance transport to the nearest hospital from any location except from a medical facility or a hospital. Under visa-compliant cover, emergency ambulance transfer between hospitals will only be covered if it is necessary because the original admitting hospital does not have the required clinical facilities.
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