Got a job in the lucky country?
Now get Working Visa health insurance.

Relocating to Australia usually results in having a lot to organise. Thankfully, arranging visa compliant health cover is quick and easy with HIF. Our prices are some of the most affordable in Australia and if you join online, you'll receive your visa compliance letter instantly via email.

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Visa-compliant health cover to suit your needs and budget.

All of our Working Visa cover options are Department of Home Affairs compliant so you can rest assured that the health insurance component of your visa requirements have been met.

Key:

Included
Not included
Restricted

Basic cover

Basic

Download Factsheet
- Visa Compliance Letter
  Most international visitors will need a health insurance visa compliance letter to present to the Department of Home Affairs 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 - Single Room
  Not covered.
  If a single room is important to you at all times, please choose Comprehensive Working Visa Cover instead.
- Private Hospital - Shared Room
  Basic Working Visa Cover provides cover for 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 Intermediate Working Visa Cover instead.
- Public Hospital - Shared Room
  Basic Working Visa provides cover for the cost of a shared room in any public hospital anywhere in Australia.
- Road Ambulance Transport
  Basic Working Visa Cover 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 unforeseen 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 Basic Working Visa, you're fully covered for all charges up to the Medicare Benefit Schedule (MBS) fee.
- AccessGap Cover
  Not covered.
- 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.
  On Basic Working Visa, you're fully covered for all charges up to the Medicare Benefit Schedule (MBS) fee.
- 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.
  Benefits can be claimed for intensive care when used in conjunction with any services listed as included on this level of cover.
- 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 Basic Working Visa, 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 Basic Working Visa, 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).
  Please note: The waiting period for inpatient psychiatric care is 2 months, even if it's a pre-existing condition.
- Doctor (GP) consultations
  Not covered.
  If outpatient services are important to you, please choose Intermediate or Comprehensive Working Visa Cover instead.
- Outpatient specialist consultations
  Not covered.
  If outpatient services are important to you, please choose Intermediate or Comprehensive Working Visa Cover instead.
- Outpatient radiology
  Not covered.
  If outpatient services are important to you, please choose Intermediate or Comprehensive Working Visa Cover instead.
- Outpatient pathology
  Not covered.
  If outpatient services are important to you, please choose Intermediate or Comprehensive Working Visa Cover instead.
- Outpatient ultrasound scans
  Not covered.
  If outpatient services are important to you, please choose Intermediate or Comprehensive Working Visa Cover instead.
- Public hospital emergency department admission
  Not covered.
  If outpatient services are important to you, please choose Intermediate or Comprehensive Working Visa Cover instead.
- Private hospital emergency department admission
  Not covered.
  If outpatient services are important to you, please choose Intermediate or Comprehensive Working Visa Cover 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
  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.
- 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 cannot be claimed on pregnancy related outpatient medical services like ultrasound scans.
  The waiting period for in-patient maternity services is 12 months.
- Assisted Reproductive Technology (e.g. IVF)
  Not covered.
  If this service is important to you, please choose Comprehensive Working Visa Cover 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
  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.
- Bone marrow transplants
  Not covered.
  If this service is important to you, please choose Comprehensive Working Visa Cover instead.
- Organ transplants
  Not covered.
  If this service is important to you, please choose Comprehensive Working Visa Cover instead.
- 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.
  Please note: The waiting period for inpatient psychiatric care is 2 months, even if it's a pre-existing condition.
- 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.
  Please note: The waiting period for inpatient palliative care is 2 months, even if it's a pre-existing condition.
- 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.
- Repatriation in the event of death or terminal illness: Max. $4,000
  Repatriation is the process of returning an eligible international member to their home country because they are terminally ill or suffer from a substantial life-altering illness or injury.
  In that instance, we will pay a contribution towards the cost of their return travel with another family member and a professional who's qualified to provide medical supervision.
  In the event of a member passing away while visiting Australia, the deceased person's mortal remains may be repatriated to their home country if legally permissible.
  On Basic Working Visa Cover, the repatriation benefit is $4,000.
- Choice of Excess
  An excess is the amount you'll personally contribute towards a hospital admission in order to reduce your private health insurance premium.
  For Basic Working Visa Cover, a standard excess of $500 applies per admission.
Essential

Download Factsheet
- Visa Compliance Letter
  Most international visitors will need a health insurance visa compliance letter to present to the Department of Home Affairs 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 - Single Room
  Not covered.
  If a single room is important to you at all times, please choose Comprehensive Working Visa Cover instead.
- Private Hospital - Shared Room
  Essentials Working Visa Cover provides cover for 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 Intermediate Working Visa Cover instead.
- Public Hospital - Shared Room
  Essentials Working Visa provides cover for the cost of a shared room in any public hospital anywhere in Australia.
- Road Ambulance Transport
  Essentials Working Visa Cover 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 unforeseen 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 Essentials Working Visa, you're fully covered for all charges up to the Medicare Benefit Schedule (MBS) fee.
- AccessGap Cover
  Not covered.
- 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.
  On Essentials Working Visa, you're fully covered for all charges up to the Medicare Benefit Schedule (MBS) fee.
- 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.
  Benefits can be claimed for intensive care when used in conjunction with any services listed as included on this level of cover.
- 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 Essentials Working Visa, 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 Essentials Working Visa, 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).
  Please note: The waiting period for inpatient psychiatric care is 2 months, even if it's a pre-existing condition.
- Doctor (GP) consultations
  Not covered.
  If outpatient services are important to you, please choose Intermediate or Comprehensive Working Visa Cover instead.
- Outpatient specialist consultations
  Not covered.
  If outpatient services are important to you, please choose Intermediate or Comprehensive Working Visa Cover instead.
- Outpatient radiology
  Not covered.
  If outpatient services are important to you, please choose Intermediate or Comprehensive Working Visa Cover instead.
- Outpatient pathology
  Not covered.
  If outpatient services are important to you, please choose Intermediate or Comprehensive Working Visa Cover instead.
- Outpatient ultrasound scans
  Not covered.
  If outpatient services are important to you, please choose Intermediate or Comprehensive Working Visa Cover instead.
- Public hospital emergency department admission
  Not covered.
  If outpatient services are important to you, please choose Intermediate or Comprehensive Working Visa Cover instead.
- Private hospital emergency department admission
  Not covered.
  If outpatient services are important to you, please choose Intermediate or Comprehensive Working Visa Cover 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
  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.
- 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 cannot be claimed on pregnancy related outpatient medical services like ultrasound scans.
  The waiting period for in-patient maternity services is 12 months.
- Assisted Reproductive Technology (e.g. IVF)
  Not covered.
  If this service is important to you, please choose Comprehensive Working Visa Cover 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
  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.
- Bone marrow transplants
  Not covered.
  If this service is important to you, please choose Comprehensive Working Visa Cover instead.
- Organ transplants
  Not covered.
  If this service is important to you, please choose Comprehensive Working Visa Cover instead.
- 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.
  Please note: The waiting period for inpatient psychiatric care is 2 months, even if it's a pre-existing condition.
- 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.
  Please note: The waiting period for inpatient palliative care is 2 months, even if it's a pre-existing condition.
- 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.
- Repatriation in the event of death or terminal illness: Max. $4,000
  Repatriation is the process of returning an eligible international member to their home country because they are terminally ill or suffer from a substantial life-altering illness or injury.
  In that instance, we will pay a contribution towards the cost of their return travel with another family member and a professional who's qualified to provide medical supervision.
  In the event of a member passing away while visiting Australia, the deceased person's mortal remains may be repatriated to their home country if legally permissible.
  On Essential Working Visa Cover, the repatriation benefit is $4,000.
- Choice of Excess
  This policy does not include an excess.

Middle cover

Intermediate

Download Factsheet
- Visa Compliance Letter
  Most international visitors will need a health insurance visa compliance letter to present to the Department of Home Affairs 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 - Single Room
  Not covered.
  If a single room is important to you at all times, please choose Comprehensive Working Visa Cover instead.
- Private Hospital - Shared Room
  Intermediate Working Visa Cover provides cover for 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
  Intermediate Working Visa Cover 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, Intermediate Working Visa provides cover for the cost of a shared room in any public hospital anywhere in Australia.
- Road Ambulance Transport
  Intermediate Working Visa Cover 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 unforeseen 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 Intermediate Working Visa, you're fully covered for all charges up to the Medicare Benefit Schedule (MBS) fee.
- AccessGap Cover
  Not covered.
- 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.
  On Intermediate Working Visa, you're fully covered for all charges up to the Medicare Benefit Schedule (MBS) fee.
- 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.
  Benefits can be claimed for intensive care when used in conjunction with any services listed as included on this level of cover.
- 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 Intermediate Working Visa, 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 Intermediate Working Visa, 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).
  Please note: The waiting period for inpatient psychiatric care is 2 months, even if it's a pre-existing condition.
- 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 level of cover. If you would like unlimited outpatient cover, please choose our Comprehensive Working Visa Cover instead.
- 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 level of cover. If you would like unlimited outpatient cover, please choose our Comprehensive Working Visa Cover instead.
- 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 level of cover. If you would like unlimited outpatient cover, please choose our Comprehensive Working Visa Cover instead.
- 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 level of cover. If you would like unlimited outpatient cover, please choose our Comprehensive Working Visa Cover instead.
- 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 level of cover. If you would like unlimited outpatient cover, please choose our Comprehensive Working Visa Cover instead.
- 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 level of cover. If you would like unlimited outpatient cover, please choose our Comprehensive Working Visa Cover instead.
- 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 level of cover. If you would like unlimited outpatient cover, please choose our Comprehensive Working Visa Cover 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
  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.
- 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. If you would like unlimited outpatient cover, please choose our Comprehensive Working Visa Cover instead.
  The waiting period for in-patient maternity services is 12 months.
- Assisted Reproductive Technology (e.g. IVF)
  Not covered.
  If this service is important to you, please choose Comprehensive Working Visa Cover 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
  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.
- Bone marrow transplants
  Not covered.
  If this service is important to you, please choose Comprehensive Working Visa Cover instead.
- Organ transplants
  Not covered.
  If this service is important to you, please choose Comprehensive Working Visa Cover instead.
- 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.
  Please note: The waiting period for inpatient psychiatric care is 2 months, even if it's a pre-existing condition.
- 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.
  Please note: The waiting period for inpatient palliative care is 2 months, even if it's a pre-existing condition.
- 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.
- Repatriation in the event of death or terminal illness: Max. $6,000
  Repatriation is the process of returning an eligible international member to their home country because they are terminally ill or suffer from a substantial life-altering illness or injury.
  In that instance, we will pay a contribution towards the cost of their return travel with another family member and a professional who's qualified to provide medical supervision.
  In the event of a member passing away while visiting Australia, the deceased person's mortal remains may be repatriated to their home country if legally permissible.
  On Intermediate Working Visa Cover, the repatriation benefit is $6,000.
- Choice of Excess
  This policy does not include an excess.

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Comprehensive

Download Factsheet
- Visa Compliance Letter
  Most international visitors will need a health insurance visa compliance letter to present to the Department of Home Affairs 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 - Single Room
  Comprehensive Working Visa Cover provides cover for the cost of a single (private) room in an HIF-contracted private hospital anywhere in Australia.
  Should you be admitted to a public hospital instead though, you'll still be fully covered for a single room (or a shared room on occasions where a single room isn't available).
- Private Hospital - Shared Room
  Members with Comprehensive Working Visa Cover don't need to worry about upgrading to single (private) room accommodation because a single room in an HIF-contracted hospital is fully covered on this policy.
  On occasions where a private room is not available though, we'll cover the cost of a shared room instead.
- Public Hospital - Single Room
  Comprehensive Working Visa Cover 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, Comprehensive Working Visa provides cover for the cost of a shared room in any public hospital anywhere in Australia.
- Road Ambulance Transport
  Comprehensive Working Visa Cover 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 unforeseen 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 Comprehensive Working Visa, you have full AccessGap Cover for medical procedures.
- AccessGap Cover
  AccessGap Cover is HIF's medical gap cover arrangement, designed to minimise or eliminate out-of-pocket ("gap") expenses for inpatient treatment in a registered hospital or day facility.
  We created this gap cover because doctors are allowed to charge more than the Medicare Benefits Schedule (MBS) if they wish – but if they do, their patients may incur significant gap expenses for the difference between the fee charged and the MBS.
  Alternatively, doctors can choose to opt in to our AccessGap Cover; and if your chosen doctor or specialist has opted in, you can expect to have much lower out-of-pocket costs (if any).
  Currently, HIF members have access to over 30,000 AccessGap-participating doctors and specialists, practising in over 110,000 locations across Australia.
- 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.
  On Comprehensive Working Visa, you're fully covered for all charges up to the Medicare Benefit Schedule (MBS) fee.
- 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.
  Benefits can be claimed for intensive care when used in conjunction with any services listed as included on this level of cover.
- 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 Comprehensive Working Visa, you have full AccessGap Cover for medical procedures.
- 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 Comprehensive Working Visa, you have full AccessGap Cover for medical procedures.
- 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).
  Please note: The waiting period for inpatient psychiatric care is 2 months, even if it's a pre-existing condition.
- 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.
- 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.
- 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).
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
  The waiting period for in-patient maternity services is 12 months.
- Assisted Reproductive Technology (e.g. IVF)
  Assisted Reproductive Technology (ART) is the application of laboratory or clinical technology to gametes (human egg or sperm) and/or embryos for the purposes of reproduction.
  On Comprehensive Working Visa Cover, you can claim benefits towards inpatient IVF services relating to egg retrieval and the transfer of embryos.
  If you're planning to undergo IVF treatment in the future, please contact us for a medical estimate.
- 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.
- Bone marrow transplants
  A bone marrow transplant is a procedure that replaces damaged or destroyed bone marrow with healthy bone marrow stem cells.
- Organ transplants
  Organ donation is a life-saving and life-transforming medical process where organs are removed from a donor and transplanted into someone who is very ill or dying from organ failure.
  Organ transplants can involve the kidneys, lungs, heart, liver and pancreas, and people of all ages can be affected.
- 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.
  Please note: The waiting period for inpatient psychiatric care is 2 months, even if it's a pre-existing condition.
- 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.
  Please note: The waiting period for inpatient palliative care is 2 months, even if it's a pre-existing condition.
- 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.
- Repatriation in the event of death or terminal illness: Max. $8,000
  Repatriation is the process of returning an eligible international member to their home country because they are terminally ill or suffer from a substantial life-altering illness or injury.
  In that instance, we will pay a contribution towards the cost of their return travel with another family member and a professional who's qualified to provide medical supervision.
  In the event of a member passing away while visiting Australia, the deceased person's mortal remains may be repatriated to their home country if legally permissible.
  On Comprehensive Working Visa Cover, the repatriation benefit is $8,000.
- Choice of Excess
  An excess is the amount you'll personally contribute towards a hospital admission in order to reduce your private health insurance premium.
  With Comprehensive Working Visa, you have the choice to apply no excess to your policy, or apply a $500 per-person excess (up to an annual maximum of $1,000 per-policy).
  If you do select the $500 excess option to bring the cost of your policy down, you’ll only need to pay the amount once per year (and only when your treatment requires an overnight hospital admission).

Is there a waiting period for Hospital Cover?

Whether we’re answering your call, or helping you switch from another health fund, we don’t like to keep people waiting. But unfortunately waiting periods (the time you have to wait before you can claim for treatment) are a necessity. We wouldn't be able to offer our affordable premiums and generous benefits without them.

Waiting periods exist so we can protect our members against people who simply join us, claim large amounts and then leave. But we always try to keep waiting periods to an absolute minimum. That’s why, if you join us from another health fund, we’ll take your previous membership into account, so you won’t have to re-serve waiting periods on an equivalent level or lower level of health cover.

For HIF Hospital cover, the waiting periods are as follows:

2 months: Psychiatric care, rehabilitation & palliative care (regardless of whether it's pre-existing or not)
12 months: General hospitalisation
12 months: All pregnancy and birth related services
12 months: Pre-existing conditions or ailments

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.’

The Pre-Existing Condition waiting period applies to new members and existing members who upgrade their policy to access higher-level benefits. The test applied under the law relies on the presence of signs or symptoms of the illness, ailment or condition, not on a diagnosis (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 forming an opinion about whether or not an illness is a pre-existing condition, an HIF-appointed medical practitioner will take into account information provided by the member’s treating doctor.

Important note.

Waiting periods are effective from your arrival into Australia.
To be eligible to purchase HIF Working Visa Cover, you must hold a current Australian Working Visa.
Working Visa Cover is only available to international visitors to Australia aged less than 65 years of age.
Working Visa Cover does not exempt you from the Medicare Levy Surcharge.
These policies are not compliant for student visa purposes.
The minimum policy term is two months.

Need Overseas Visitors Health Cover, pronto?

Too easy! Just jump online to find the policy that best suits your needs and budget, then join on the spot. Even better, once you've joined us, you'll automatically receive your Visa Compliance Letter by email for immigration purposes.

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, 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.

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:

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 a claim for any form of compensation or damages can or will be made
Services where benefits are claimable from another source
Travelling to and from Australia
When services are provided outside Australia
When services you’re claiming for are not covered by Medicare for Australian residents
Services are not covered by Medicare (e.g. health screening insurance examinations and services that do not have a Medicare Benefits Schedule (MBS)