Visiting from the UK?
Need Health Insurance Cover?
Get covered from $3.14 a day

HIF has made organising overseas health cover as easy and affordable as possible for UK visitors planning on coming to Australia

  • Coming Over To Work
  • Visiting On Holiday
  • Buy Cover Using PayPal

Best Value Health Cover In Australia

HIF's health cover options are some of the most affordable in Australia. HIF (Health Insurance Fund of Australia) are a renowned provider of hospital and extras cover for both domestic and international visitors. Get covered for your visit or holiday today and be reassured about your health options whilst you are here.

All of HIF's visitors' health & medical cover options are visa compliant in accordance with Department of Immigration and Border Protection (DIBP) so you can rest assured that the health insurance component of your visa requirements have been met.

If you choose to join HIF online, your letter of visa compliance will be emailed to you instantly in PDF format upon confirming your application.

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Want more information? Check out our handy FAQ's section for international visitors

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Welcome to Australia. We're here to help.

Hospital and Medical Insurance for Working Visa Holders

From just $79.80 per month, our prices are the most affordable in Australia.

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Earning over $90,000 while working in Australia?

Purchase GoldVital Hospital Cover now and avoid paying extra tax next year.

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Australia's best value health cover options for working visa holders.

Our prices are some of the most affordable in Australia (cover starts from just $79.80 per month*)
and if you join online, you'll receive your visa compliance letter instantly via email.

Services HIF Basic Working Visa Cover HIF Essentials Working Visa Cover HIF Intermediate Working Visa Cover HIFComprehensive Working Visa Cover
Private room in a private hospital
Shared room in a private hospital
Private room in a public hospital
Shared room in a public hospital
Theatre fees, prostheses, inpatient,  PBS pharmacy items etc
AccessGap Cover
Outpatient services & emergency hospital department treatment (covered up to MBS fee)

Up to $500pp per calendar year

Policy Excess
$500 Excess

$500 (optional)
Cardiac (heart) procedures
Joint replacement
Non-cosmetic Eye surgery
Pregnancy and birth related services

*Restricted Service

Bone marrow and organ transplants
Assisted Reproductive Technology
(e.g. IVF)
$4,000 lifetime limit,
once per person

$4,000 lifetime limit,
once per person

$6,000 lifetime limit,
once per person

$8,000 lifetime limit,
once per person
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* HIF will pay a basic benefit known as the public hospital rate, toward the charges for these services. All other charges raised by the hospital during the stay will be paid by the member. Got a question? Please contact us

For all cover inclusions and any exclusions, restrictions, benefit limitation periods, waiting periods, pre existing condition rule, excesses and co-payments (if any) that may apply, please download the Product Disclosure Statement (PDS).

Add on Extras insurance and be covered for everyday health services.

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

HIF Saver Options Extras Cover for overseas visitors HIF Saver Options Extras Cover for overseas visitors HIF Saver Options Extras Cover for overseas visitors HIF Saver Options Extras Cover for overseas visitors
Just need cover for the essentials? No worries. Saver Options offers great value, entry-level Extras cover – ideal for younger people who want affordable cover for common services including general dental, optical, physio and ambulance. If it's intermediate Extras Cover you're after, we have just the product. Special Options includes all those essential services like ambulance, optical, podiatry, chiropractic, pharmacy, physiotherapy and more, as well as major dental services. Drum roll please... Introducing our most popular Extras policy. Super Options has practically everything you could wish for – major dental, chiro, physio and optical to name just a few, plus services like speech therapy & psychological consults. Premium Options is our top Extras cover option. It's the very definition of comprehensive, including all the services we mentioned for Super Options, but with larger rebates and higher annual limits for certain services including dental, chiro & optical.
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Jac Bullock,
HIF member since 2012

Member Review

I left the UK four years ago to work in Perth on the west coast of Australia, and it was the best decision I ever made.

As I'm from England, my health is already covered here by the Australian Medicare system - but only for emergency treatment. After asking around, I decided that Medicare wasn't sufficient enough due to my job and active lifestyle. I'm a bricklayer and a keen wake-boarder, both of which can entail a degree of danger without the proper precautions.

I asked around about medical insurance options and a friend told me about HIF, so I checked them out online and found that their prices were great, plus I was reassured by all their fantastic reviews. When I signed up online, HIF was running a special offer on Facebook so I got a $50 cash back bonus, plus they emailed me a visa letter as soon my application was complete (which I needed as part of my 457 visa application).

As well as hospital and medical insurance, I also took out Extras cover, which lets me claim money back on my contact lenses and prescription sunnies, my gym membership, dental work, physio, chiro and more.

I can honestly say that my experiences with HIF so far have been top notch. The staff know their stuff and they treat me like a person rather than a number. They also send me a $70 gift voucher each time I refer a friend! So that's helping my back pocket too.

Anyone who's relocated from the UK will know that being so far away from home(and the NHS!) can be daunting at times, so my HIF policy provides a safety net for my health and peace of mind in general.

Read more member testimonials

Let's get started.

Our handy interactive Product Selector will find the policy that best suits your needs and budget, then you can join on the spot.
If you have any questions along the way, you can also check out our handy FAQ's section for international visitors

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Important, please note: All prices referenced above are based on a single policy paid by direct debit on an annual basis. The pricing is correct as of 1 April 2015. If you choose to purchase HIF Overseas Visitor Cover, you must nominate a start date (the date your policy will commence). To activate your membership, please note that we require a copy of the visa and passport details (confirming arrival dates) for everyone covered on the policy. The details must be provided to HIF within one month of your arrival, as per legislative requirement. Some waiting periods may apply. If your visa is not approved, HIF will refund any monies paid minus a $50 admin fee.