Holidaying Down Under?
Get visitors visa health insurance.

With our beautiful beaches, bustling city life, iconic wildlife and endless sunshine, it's no wonder Australia is a popular holiday destination. So if you're planning a trip here in the future, why not purchase your health cover today - then you can focus on the fun stuff!

Important, please note: Due to the current COVID-19 (Coronavirus) pandemic occurring globally, we're unable to provide Overseas Visitor Health Cover to new customers at this time – we apologise for any inconvenience caused.

Two affordable hospital cover options to suit your needs and budget.

If you're visiting Australia on a non-working visa, you may need to purchase private health cover for the duration of your stay down under. If that's the case, we have two affordable options right here for you to choose from.

Key:

Included
Not included

Basic cover

Visitor Saver
$2.94*
per day

Download Factsheet
- Visa Compliance Letter
  This level of cover is not visa-compliant. If you require a letter of compliance for visa application purposes, please choose Visitor Value instead.
- Private Hospital - Shared Room
  Visitor Saver covers the cost of a shared room in an HIF-contracted hospital as standard. However, where available, you may be given the option to upgrade to a private room.
  In that instance, HIF will cover the hospital fees for a shared room, so you'll just need to pay the difference between the cost of a shared room and a private room.
  Although these charges can differ depending on the hospital, the amount usually ranges from $50-100 per day.
- Public Hospital - Single Room
  Not covered.
  If a single room in a public hospital is important to you, please choose Visitor Value instead.
- Public Hospital - Shared Room
  Visitor Saver covers the cost of a shared room in any public hospital anywhere in Australia.
- Road Ambulance Transport
  Visitor Saver provides 100% coverage for unlimited emergency and non-emergency transport by road ambulance with a government approved ambulance service.
  That includes admission to hospital, emergency treatment on-site, or inter-hospital transfers where the original admitting hospital does not have the required clinical facilities.
- Accidental injury
  An accident is an unforseen event, occurring by chance and caused by an external force or object which results in an injury to the body.
- Inpatient specialist consultations
  On request by one physician, another physician can review a patient's medical history, examine the patient, and make recommendations as to care and treatment options.
  The medical consultant is often a specialist with expertise in a particular field of medicine.
  On Visitor Saver, you're fully covered for all charges up to the Medicare Benefit Schedule (MBS) fee.
- Theatre Care
  An operating theatre is a facility within a private hospital where surgical operations are carried out in a sterile environment.
  Benefits can be claimed for theatre care when used in conjunction with any services listed as included on this level of cover.
- Intensive Care
  The term 'intensive care' refers to special medical treatment in which a patient who is dangerously ill is kept under constant observation, typically in a dedicated department of a hospital.
  A hospital's Intensive Care Unit (ICU) provides 24-hour care from a highly-trained team of specialists.
- Inpatient radiology
  Radiology is the use of radiation for the diagnosis and treatment of disease or injury.
  Radiology involves a variety of imaging techniques such as x-rays, ultrasounds, computed tomography (CT), and magnetic resonance imaging (MRI).
  On Visitor Value, you're fully covered for all charges up to the Medicare Benefit Schedule (MBS) fee.
- Inpatient pathology
  Pathology is a medical specialty that determines the cause and nature of diseases by examining and testing body tissues (from biopsies and pap smears) and bodily fluids (from samples including blood and urine).
  The results from pathology tests help doctors to diagnose and treat patients correctly.
  On Visitor Value, you're fully covered for all charges up to the Medicare Benefit Schedule (MBS) fee.
- Inpatient pharmacy drugs
  A benefit can be claimed on Pharmaceutical Benefits Scheme (PBS) approved pharmacy items provided the medications are supplied as part of your in-hospital treatment plan.
  As an Overseas Visitor, you will be required to pay an amount equal to the Australian government patient contribution but you will receive a benefit for the rest of the cost, based on the PBS listed price.
  Please note: Benefits may not apply or may be restricted for non-Therapeutic Goods Administration approved, experimental or high cost drugs.
- In-hospital rehabilitation
  Not covered.
  If this service is important to you, please choose Visitor Value instead.
- Doctor (GP) consultations
  Not covered.
  If outpatient services are important to you, please choose Visitor Value instead.
- Outpatient specialist consultations
  Not covered.
  If outpatient services are important to you, please choose Visitor Value instead.
- Outpatient radiology
  Not covered.
  If outpatient services are important to you, please choose Visitor Value instead.
- Outpatient pathology
  Not covered.
  If outpatient services are important to you, please choose Visitor Value instead.
- Outpatient ultrasound scans
  Not covered.
  If outpatient services are important to you, please choose Visitor Value instead.
- Public hospital emergency department admission
  Not covered.
  If outpatient services are important to you, please choose Visitor Value instead.
- Private hospital emergency department admission
  Not covered.
  If outpatient services are important to you, please choose Visitor Value instead.
- Appendectomy
  An appendectomy is the surgical removal of the appendix. It's a common emergency surgery that's performed to treat appendicitis, an inflammatory condition of the appendix.
- Removal of tonsils and adenoids
  A tonsillectomy is a surgical procedure that removes a patient's tonsils (two small glands located in the back of your throat).
  Similarly, an adenoidectomy is a common surgery to remove the adenoids (glands located in the roof of the mouth, behind the soft palate where the nose connects to the throat).
  Tonsils and adenoids are the body's first line of defence as part of the immune system, sampling bacteria and viruses that enter the body through the mouth or nose. However, they may sometimes become infected themselves and may eventually need to be removed.
- Ear, nose and throat surgery
  Ear Nose and Throat (ENT) specialists diagnose, evaluate and manage a wide range of diseases of the head and neck, including the ear, nose and throat regions.
- Non-cosmetic eye surgery
  Not covered.
  If this service is important to you, please choose Visitor Value instead.
- Back surgery
  Back surgery refers to procedures that aim to physically correct back issues and provide pain relief, such as removing a herniated disc.
  Common types of back surgery include discetomy, laminectomy, spinal fusion and vertebroplasty.
- Brain surgery
  The term "brain surgery" refers to medical procedures that involve repairing structural problems in the brain.
  There are numerous types of brain surgery available, including craniotomies, biopsies, neuroendoscopies and deep brain stimulation.
  The type of brain surgery required depends highly on the condition being treated.
- Surgical removal of wisdom teeth in hospital
  In-hospital wisdom tooth extraction is a hospital based surgical procedure that removes one or more wisdom teeth from a patient's mouth.
  Please note: You'll also need to hold a suitable level of Extras Cover in order to claim a benefit towards the dentist fees.
- Colonoscopy
  A colonoscopy is a test that allows your doctor to look at the inner lining of your large intestine (rectum and colon).
  Colonoscopies help to find ulcers, colon polyps, tumours, and areas of inflammation or bleeding.
- Endoscopy
  An endoscopy is a procedure that gives your doctor a direct view of your body's internal organs. This can allow a diagnosis and treatment of some conditions.
- Gastroscopy
  A gastroscopy is an examination of the oesophagus (gullet or food pipe), stomach and duodenum (upper part of the small bowel) using a flexible telescope called a gastroscope.
- Heart procedures
  Not covered.
  If this service is important to you, please choose Visitor Value instead.
- Cancer related services
  There are many types of cancer treatment available. The treatment received will depend on the type of cancer, where it began and whether it's spread (plus general health and personal choices). Often, more than one treatment is used.
  Options include immunotherapy, hormone therapy and targeted therapy, as well as chemotherapy, immunotherapy, radiotherapy and/or surgery by an Oncologist.
  Some patients will only have one treatment, but most have a combination of treatments such as surgery with chemotherapy or radiation therapy.
- Hernia repair
  A hernia occurs when an organ pushes through an opening in the muscle or tissue that holds it in place. For example, the intestines may break through a weakened area in the abdominal wall.
  Hernias are most common in the abdomen, but they can also appear in the upper thigh, belly button, and groin areas.
  Hernias are generally more common in people whose abdomens are under significant pressure, such as people who do a lot of heavy lifting, are obese, are pregnant, have a chronic cough, or have chronic constipation.
- Gynaecological Services
  Gynaecology is the diagnosis and management of issues affecting women's reproductive systems.
  A number of specialised procedures and surgeries are available, including colposcopy and management of abnormal pap smears and pre-invasive (pre-cancer) disease of the female genital tract; hysterectomy (laparoscopic, vaginal and abdominal); endometriosis specialists and subspecialist care for management of gynaecologic cancers.
- Surgically implanted prostheses
  A surgically implanted prosthesis is a piece of equipment that is surgically implanted into the body during a hospital procedure, to replace or assist a bodily function. Examples include artificial hips, pacemakers, cardiac stents, screws and plates.
  Benefits can be claimed for surgically implanted prostheses when used in conjunction with any services listed as included on this level of cover.
- Pregnancy and birth related services
  Not covered.
  If this service is important to you, please choose Visitor Value instead.
- Sterilisation
  The term 'Sterilisation' refers to a range of permanent surgical contraceptive procedures such as tubal ligations, hysterectomies and vasectomies.
- Joint reconstruction
  Joint reconstructions range from minor repairs to a damaged joint, to total joint replacement.
  Treatment options can offer temporary pain relief or permanent solutions to joint disorders. The type of treatment depends on the type and severity of the joint disorder
- Joint replacement
  Not covered.
  If this service is important to you, please choose Visitor Value instead.
- Renal Dialysis
  Not covered.
  If this service is important to you, please choose Visitor Value instead.
- Psychiatric care and treatment
  Not covered.
  If this service is important to you, please choose Visitor Value instead.
- Palliative Care
  Not covered.
  If this service is important to you, please choose Visitor Value instead.
- Obesity related services
  Not covered.
  If this service is important to you, please choose Visitor Value instead.

Middle cover

Visitor Value
$4.42*
per day

Download Factsheet
- Visa Compliance Letter
  Most international visitors will need a health insurance visa compliance letter to present to the Department of Border Protection as part of their visa application.
  With HIF, your letter of visa compliance will be emailed to you automatically as soon as your application is submitted. The letter will be sent to you in PDF format, meaning you can forward it straight on to your immigration liaison.
- Private Hospital - Shared Room
  Visitor Value covers the cost of a shared room in an HIF-contracted hospital as standard. However, where available, you may be given the option to upgrade to a private room.
  In that instance, HIF will cover the hospital fees for a shared room, so you'll just need to pay the difference between the cost of a shared room and a private room.
  Although these charges can differ depending on the hospital, the amount usually ranges from $50-100 per day.
- Public Hospital - Single Room
  Visitor Value provides cover for the cost of a single (private) room in any public hospital anywhere in Australia.
- Public Hospital - Shared Room
  On occasions when a single room isn't available in a public hospital, we'll cover the cost of a shared room instead.
- Road Ambulance Transport
  Visitor Value provides 100% coverage for unlimited emergency and non-emergency transport by road ambulance with a government approved ambulance service.
  That includes admission to hospital, emergency treatment on-site, or inter-hospital transfers where the original admitting hospital does not have the required clinical facilities.
- Accidental injury
  An accident is an unforseen event, occurring by chance and caused by an external force or object which results in an injury to the body.
- Inpatient specialist consultations
  On request by one physician, another physician can review a patient's medical history, examine the patient, and make recommendations as to care and treatment options.
  The medical consultant is often a specialist with expertise in a particular field of medicine.
  On Visitor Value, you're fully covered for all charges up to the Medicare Benefit Schedule (MBS) fee.
- Theatre Care
  An operating theatre is a facility within a private hospital where surgical operations are carried out in a sterile environment.
  Benefits can be claimed for theatre care when used in conjunction with any services listed as included on this level of cover.
- Intensive Care
  The term 'intensive care' refers to special medical treatment in which a patient who is dangerously ill is kept under constant observation, typically in a dedicated department of a hospital.
  A hospital's Intensive Care Unit (ICU) provides 24-hour care from a highly-trained team of specialists.
- Inpatient radiology
  Radiology is the use of radiation for the diagnosis and treatment of disease or injury.
  Radiology involves a variety of imaging techniques such as x-rays, ultrasounds, computed tomography (CT), and magnetic resonance imaging (MRI).
  On Visitor Saver, you're fully covered for all charges up to the Medicare Benefit Schedule (MBS) fee.
- Inpatient pathology
  Pathology is a medical specialty that determines the cause and nature of diseases by examining and testing body tissues (from biopsies and pap smears) and bodily fluids (from samples including blood and urine).
  The results from pathology tests help doctors to diagnose and treat patients correctly.
  On Visitor Saver, you're fully covered for all charges up to the Medicare Benefit Schedule (MBS) fee.
- Inpatient pharmacy drugs
  A benefit can be claimed on Pharmaceutical Benefits Scheme (PBS) approved pharmacy items provided the medications are supplied as part of your in-hospital treatment plan.
  As an Overseas Visitor, you will be required to pay an amount equal to the Australian government patient contribution but you will receive a benefit for the rest of the cost, based on the PBS listed price.
  Please note: Benefits may not apply or may be restricted for non-Therapeutic Goods Administration approved, experimental or high cost drugs.
- In-hospital rehabilitation
  In-hospital rehabilitation refers to the rehabilitation of patients who have neurological, musculo-skeletal, orthopedic or other medical conditions following stabilisation of their acute medical issues (such as a stroke or surgery).
- Doctor (GP) consultations
  A General Practitioner (GP) is a medical doctor who treats acute and chronic illnesses and provides preventive care and health education to patients.
  Please note: An annual limit of $500 per person applies to outpatient services on this policy.
- Outpatient specialist consultations
  On request by one physician, another physician can review a patient's medical history, examine the patient, and make recommendations as to care and treatment options.
  The medical consultant is often a specialist with expertise in a particular field of medicine.
  Please note: An annual limit of $500 per person applies to outpatient services on this policy.
- Outpatient radiology
  Radiology is the use of radiation for the diagnosis and treatment of disease or injury.
  Radiology involves a variety of imaging techniques such as x-rays, ultrasounds, computed tomography (CT), and magnetic resonance imaging (MRI).
  Please note: An annual limit of $500 per person applies to outpatient services on this policy
- Outpatient pathology
  Pathology is a medical specialty that determines the cause and nature of diseases by examining and testing body tissues (from biopsies and pap smears) and bodily fluids (from samples including blood and urine).
  The results from pathology tests help doctors to diagnose and treat patients correctly.
  Please note: An annual limit of $500 per person applies to outpatient services on this policy.
- Outpatient ultrasound scans
  Also known as sonography, an ultrasound scan is a medical test that uses high-frequency sound waves to capture live images from the inside of your body.
  Your doctor may order an ultrasound if you're having pain, swelling, or other symptoms that require an internal view of your organs.
  Unlike other imaging techniques, ultrasound uses no radiation. For this reason, it's the preferred method for viewing a developing foetus during pregnancy.
  Please note: An annual limit of $500 per person applies to outpatient services on this policy.
- Public hospital emergency department admission
  An emergency department admission provides care for patients who may have an urgent need for medical, surgical or other types of hospital care.
  Most emergency department services are provided by public hospitals.
  Please note: An annual limit of $500 per person applies to outpatient services on this policy.
- Private hospital emergency department admission
  An emergency department admission provides care for patients who may have an urgent need for medical, surgical or other types of hospital care.
  Please note: An annual limit of $500 per person applies to outpatient services on this policy.
- Appendectomy
  An appendectomy is the surgical removal of the appendix. It's a common emergency surgery that's performed to treat appendicitis, an inflammatory condition of the appendix.
- Removal of tonsils and adenoids
  A tonsillectomy is a surgical procedure that removes a patient's tonsils (two small glands located in the back of your throat).
  Similarly, an adenoidectomy is a common surgery to remove the adenoids (glands located in the roof of the mouth, behind the soft palate where the nose connects to the throat).
  Tonsils and adenoids are the body's first line of defence as part of the immune system, sampling bacteria and viruses that enter the body through the mouth or nose. However, they may sometimes become infected themselves and may eventually need to be removed.
- Ear, nose and throat surgery
  Ear Nose and Throat (ENT) specialists diagnose, evaluate and manage a wide range of diseases of the head and neck, including the ear, nose and throat regions.
- Non-cosmetic eye surgery
  The term 'non-cosmetic eye surgery' refers to medical treatment for major eye lens procedures, such as cataract surgery.
- Back surgery
  Back surgery refers to procedures that aim to physically correct back issues and provide pain relief, such as removing a herniated disc.
  Common types of back surgery include discetomy, laminectomy, spinal fusion and vertebroplasty.
- Brain surgery
  The term "brain surgery" refers to medical procedures that involve repairing structural problems in the brain.
  There are numerous types of brain surgery available, including craniotomies, biopsies, neuroendoscopies and deep brain stimulation.
  The type of brain surgery required depends highly on the condition being treated.
- Surgical removal of wisdom teeth in hospital
  In-hospital wisdom tooth extraction is a hospital based surgical procedure that removes one or more wisdom teeth from a patient's mouth.
  Please note: You'll also need to hold a suitable level of Extras Cover in order to claim a benefit towards the dentist fees.
- Colonoscopy
  A colonoscopy is a test that allows your doctor to look at the inner lining of your large intestine (rectum and colon).
  Colonoscopies help to find ulcers, colon polyps, tumours, and areas of inflammation or bleeding.
- Endoscopy
  An endoscopy is a procedure that gives your doctor a direct view of your body's internal organs. This can allow a diagnosis and treatment of some conditions.
- Gastroscopy
  A gastroscopy is an examination of the oesophagus (gullet or food pipe), stomach and duodenum (upper part of the small bowel) using a flexible telescope called a gastroscope.
- Heart procedures
  Cardiac (heart) specialists diagnose and treat conditions such as heart attacks, coronary artery disease, heart arrhythmia, valvular disease and endocarditis (infection of the heart's valves or inner lining).
  Heart procedures include medical or surgical treatments such as artery bypass grafts, coronary angioplasty, heart transplants, stent insertions, pacemakers and defibrillators.
- Cancer related services
  There are many types of cancer treatment available. The treatment received will depend on the type of cancer, where it began and whether it's spread (plus general health and personal choices). Often, more than one treatment is used.
  Options include immunotherapy, hormone therapy and targeted therapy, as well as chemotherapy, immunotherapy, radiotherapy and/or surgery by an Oncologist.
  Some patients will only have one treatment, but most have a combination of treatments such as surgery with chemotherapy or radiation therapy.
- Hernia repair
  A hernia occurs when an organ pushes through an opening in the muscle or tissue that holds it in place. For example, the intestines may break through a weakened area in the abdominal wall.
  Hernias are most common in the abdomen, but they can also appear in the upper thigh, belly button, and groin areas.
  Hernias are generally more common in people whose abdomens are under significant pressure, such as people who do a lot of heavy lifting, are obese, are pregnant, have a chronic cough, or have chronic constipation.
- Gynaecological Services
  Gynaecology is the diagnosis and management of issues affecting women's reproductive systems.
  A number of specialised procedures and surgeries are available, including colposcopy and management of abnormal pap smears and pre-invasive (pre-cancer) disease of the female genital tract; hysterectomy (laparoscopic, vaginal and abdominal); endometriosis specialists and subspecialist care for management of gynaecologic cancers.
- Surgically implanted prostheses
  A surgically implanted prosthesis is a piece of equipment that is surgically implanted into the body during a hospital procedure, to replace or assist a bodily function. Examples include artificial hips, pacemakers, cardiac stents, screws and plates.
  Benefits can be claimed for surgically implanted prostheses when used in conjunction with any services listed as included on this level of cover.
- Pregnancy and birth related services
  Also known as obstetrics or maternity, pregnancy and birth related services refer to hospital admissions for the birth of a child.
  Please note: On this level of cover, benefits can be claimed on pregnancy related outpatient medical services like ultrasound scans, up to a combined outpatient annual limit of $500 per person.
  The waiting period for in-patient maternity services is 12 months.
- Sterilisation
  The term 'Sterilisation' refers to a range of permanent surgical contraceptive procedures such as tubal ligations, hysterectomies and vasectomies.
- Joint reconstruction
  Joint reconstructions range from minor repairs to a damaged joint, to total joint replacement.
  Treatment options can offer temporary pain relief or permanent solutions to joint disorders. The type of treatment depends on the type and severity of the joint disorder
- Joint replacement
  A total joint replacement is a surgical procedure in which parts of an arthritic or damaged joint are removed and replaced with a metal, plastic or ceramic device called a prosthesis (for example, a knee arthroplasty).
  Joint replacements are performed by Orthopaedic Surgeons and the prosthesis is designed to replicate the movement of a normal, healthy joint.
- Renal Dialysis
  Dialysis is the process of removing waste products and excess fluid from the body. Dialysis is necessary when the kidneys are not able to adequately filter the blood.There are two types of dialysis - haemodialysis and peritoneal.
- Psychiatric care and treatment
  In-hospital psychiatric care and treatment involves the treatment of mental illness, including drug and alcohol rehabilitation, eating disorders, and post-natal depression.
- Palliative Care
  Palliative care is the care of patients with serious and terminal illnesses, to help relieve symptoms, improve general comfort and help patients live longer.
- Obesity related services
  This service covers medically necessary obesity or bariatric surgery on the stomach and/or intestines, performed to help an obese patient lose weight.
  Common types of bariatric surgery include gastric sleeves, gastric bypasses, gastric bands, lap-bands and duodenal switches.

* Please note: The daily pricing above is based on a single policy in Western Australia (WA) which has the highest hospital excess applied and is paid by direct debit on an annual basis after deducting a 25.059% Australian Government rebate on private health insurance and a 4% annual discount. This also excludes any Lifetime Health Cover (LHC) Loading that may apply. Depending on your current household income, the rebate you can claim may be reduced. This pricing is correct as of 1 October 2020. Prices may vary for other Australian states and territories.

What about waiting periods?

Whether we’re answering your call, or helping you switch from another Australian health fund, we don’t like to keep people waiting.

Unfortunately though, waiting periods (the time you have to wait before you can claim for treatment) are a universal necessity. All health funds have them. We wouldn't be able to offer our affordable premiums and generous rebates without them.

Waiting periods protect us and our members against people who simply join us, claim large amounts and then leave. We always try to keep waiting periods to an absolute minimum though.

That’s why, if you join us from another health fund, we’ll take your previous membership into account so you don’t have to re-serve waiting periods on an equivalent level or higher level of cover.

For Overseas Visitors Hospital and Medical Cover, the waiting periods are as follows:

2 months: Psychiatric care, rehabilitation and palliative care
12 months: All pregnancy related services
12 months: Pre-existing conditions or ailments

Important note.

Waiting periods are effective from your arrival into Australia.
Non-Working Visa Cover is only available to international visitors to Australia aged 64 and under.
These policies are not compliant for student visa purposes.
The minimum policy term is two months.

Hospital Excesses Explained.

A standard excess of $250 per person applies - but you only have to pay it once per calendar year (regardless of how many times you're admitted to hospital). For couple and family memberships, a maximum annual excess of $500 applies per policy.

What's not covered on Non-working Visa Cover?

The following services are excluded from this policy:

Repatriation
Assisted Reproductive Technology (e.g. IVF)
Bone marrow and/or organ transplants
AccessGap Cover

What's a pre-existing condition?

A pre-existing condition is defined as: ‘Any ailment, illness, or condition where, in the opinion of a medical adviser appointed by the health insurer, the signs or symptoms of that illness, ailment or condition existed at any time in the period of six months ending on the day on which the person became insured under the policy.’

A pre-existing condition can be identified by the presence of signs or symptoms of the illness, ailment or condition (i.e. it’s not necessary for the member or their doctor to know what their condition is, or for it to be diagnosed).

In assessing whether a condition is a pre-existing condition or not, an HIF-appointed medical practitioner will take into account information provided by your treating doctor.

Need Overseas Visitors Health Cover, pronto?

Too easy! Just use our handy interactive Product Selector to find the policy that best suits your needs and budget, then join on the spot.

What about everyday services like dental and optical?

If you would also like to be covered for other common services like dental, optical, physio, chiro, remedial massage, Traditional Chinese Medicine, gym memberships, weight loss programs, cancer screenings and more, you also have the option to add one of our popular Extras Cover options to your overseas visitors health insurance policy.

Looking for Working Visa Cover instead?

No worries! If you've come to the wrong page, just head over to our Working Visa Cover page instead. It includes four value-packed options for international travellers who are planning to work while visiting Australia.

Frequently asked questions about HIF Overseas Visitors Cover.

Check out the articles below for more information on Medicare eligibility, visa compliance letters, and why purchasing HIF Working Visa Health Cover is a smart idea.

Will I be eligible for Medicare in Australia?

How do I change from visitors cover to a domestic policy?

How quickly will I get my visa compliance letter?

What do green blue and yellow Medicare cards represent?

How does the health system work in Australia?

Can I get a refund if my visa is not approved?

What is repatriation?

Can I switch health funds if I received a visa compliance letter from another fund?

What is a reciprocal country?

Can I add Extras cover to my Overseas Visitors policy?

Important, please note:

Some waiting periods may apply.
The pricing above is based on a single policy in Western Australia (WA) which has the highest hospital excess applied and is paid by direct debit on an annual basis after deducting a 4% annual discount. This pricing is correct as of 1 April 2019. Prices may vary for other Australian states and territories.
In addition to the exclusions listed in the table above, there's a few other situations where you won't be covered by HIF:
- When you receive treatment during a period where your HIF policy is currently suspended, classified as unfinancial (e.g. not paid up-to-date), or has been cancelled.
- Any hospital treatment, service, device or circumstances where Medicare or the Therapeutic Goods Administration (TGA) doesn’t pay a benefit. This includes in-hospital services such as experimental treatment and/or procedures, prostheses and technologies.
- Any charges raised by a non-agreement or public hospital which are not covered, or are above the benefit that HIF pays.
- Any charges raised for treatment administered by a provider that’s not recognised by HIF. Any cosmetic service (e.g. cosmetic surgery which is not clinically necessary).
- Any personal expenses not covered by your HIF policy such as newspapers, phone calls, internet access, pay TV or meals ordered for visitors.
- Any inpatient pharmacy benefits for non-intrinsic or discharge drugs. Benefits may be restricted or may not apply to experimental or high-cost drugs or drugs that aren’t approved by the Therapeutic Goods Administration (TGA).
- If you’re admitted to hospital for more than 35 days and you’ve been classified as a ‘nursing home type’ patient. In these situations, patients may receive minimum benefits but will need to personally contribute towards the remaining costs associated with their stay.
- For Respite Care.
- Where compensation, damages or benefits for medical treatment can or have been claimed from a third party; such as workers compensation, public liability sources, your employer or any other insurance policy.
- For any hospital service or medical treatment provided outside Australia.

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Navigation

Holidaying Down Under?Get visitors visa health insurance.

Two affordable hospital cover options to suit your needs and budget.

What about waiting periods?

Important note.

Hospital Excesses Explained.

What's not covered on Non-working Visa Cover?

What's a pre-existing condition?

Need Overseas Visitors Health Cover, pronto?

What about everyday services like dental and optical?

Looking for Working Visa Cover instead?

Frequently asked questions about HIF Overseas Visitors Cover.

Holidaying Down Under?
Get visitors visa health insurance.