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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.

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.

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.

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.

Not covered.

If a private room is important to you at all times, please choose Comprehensive Working Visa Cover instead.

Not covered.

If a private room is important to you at all times, please choose Comprehensive Working Visa Cover instead.

Not covered.

If a private room is important to you at all times, please choose Comprehensive Working Visa Cover instead.

Comprehensive Working Visa Cover provides cover for the cost of a 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 private room (or a shared room on occasions where a private room isn't available).

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.

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.

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.

Members with Comprehensive Working Visa Cover don't need to worry about upgrading to private room accommodation because a private 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.

Not covered.

If a private room in a public hospital is important to you, please choose Intermediate Working Visa Cover instead.

Not covered.

If a private room in a public hospital is important to you, please choose Intermediate Working Visa Cover instead.

Intermediate Working Visa Cover provides cover for the cost of a private room in any public hospital anywhere in Australia.

Comprehensive Working Visa Cover provides cover for the cost of a private room in any public hospital anywhere in Australia.

Basic Working Visa provides cover for the cost of a shared room in any public hospital anywhere in Australia.

Essentials Working Visa provides cover for the cost of a shared room in any public hospital anywhere in Australia.

On occasions when a private room isn't available, Intermediate Working Visa provides cover for the cost of a shared room in any public hospital anywhere in Australia.

On occasions when a private room isn't available, Comprehensive Working Visa provides cover for the cost of a shared room in any public hospital anywhere in Australia.

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.

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.

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.

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.

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.

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.

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.

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.

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. 

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. 

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. 

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.

Not covered.

Not covered.

Not covered.

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.

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. 

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. 

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. 

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. 

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.

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.

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.

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.

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. 

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. 

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. 

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.

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. 

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. 

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. 

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.

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.

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.

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.

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.

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).

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).

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).

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).

Not covered.

If outpatient services are important to you, please choose Intermediate or Comprehensive Working Visa Cover instead.

Not covered.

If outpatient services are important to you, please choose Intermediate or Comprehensive Working Visa Cover instead.

A General Practitioner (GP) is a medical doctor who treats acute and chronic illnesses and provides preventive care and health education to patients.

A General Practitioner (GP) is a medical doctor who treats acute and chronic illnesses and provides preventive care and health education to patients.

Not covered.

If outpatient services are important to you, please choose Intermediate or Comprehensive Working Visa Cover instead.

Not covered.

If outpatient services are important to you, please choose Intermediate or Comprehensive Working Visa Cover instead.

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 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.

Not covered.

If outpatient services are important to you, please choose Intermediate or Comprehensive Working Visa Cover instead.

Not covered.

If outpatient services are important to you, please choose Intermediate or Comprehensive Working Visa Cover instead.

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).

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).

Not covered.

If outpatient services are important to you, please choose Intermediate or Comprehensive Working Visa Cover instead.

Not covered.

If outpatient services are important to you, please choose Intermediate or Comprehensive Working Visa Cover instead.

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.

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.

Not covered.

If outpatient services are important to you, please choose Intermediate or Comprehensive Working Visa Cover instead.

Not covered.

If outpatient services are important to you, please choose Intermediate or Comprehensive Working Visa Cover instead.

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.

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.

Not covered.

If outpatient services are important to you, please choose Intermediate or Comprehensive Working Visa Cover instead.

Not covered.

If outpatient services are important to you, please choose Intermediate or Comprehensive Working Visa Cover instead.

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.

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.

Not covered.

If outpatient services are important to you, please choose Intermediate or Comprehensive Working Visa Cover instead.

Not covered.

If outpatient services are important to you, please choose Intermediate or Comprehensive Working Visa Cover instead.

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.

An emergency department admission provides care for patients who may have an urgent need for medical, surgical or other types of hospital care.

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.

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.

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.

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.

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.

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.

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.

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 (ENT) specialists diagnose, evaluate and manage a wide range of diseases of the head and neck, including the ear, nose and throat regions.

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.

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.

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.

The term 'non-cosmetic eye surgery' refers to medical treatment for major eye lens procedures, such as cataract surgery.

The term 'non-cosmetic eye surgery' refers to medical treatment for major eye lens procedures, such as cataract surgery.

The term 'non-cosmetic eye surgery' refers to medical treatment for major eye lens procedures, such as cataract surgery.

The term 'non-cosmetic eye surgery' refers to medical treatment for major eye lens procedures, such as cataract 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 discectomy, laminectomy, spinal fusion and vertebroplasty.

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 discectomy, laminectomy, spinal fusion and vertebroplasty.

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 discectomy, laminectomy, spinal fusion and vertebroplasty.

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 discectomy, laminectomy, spinal fusion and vertebroplasty.

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.

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.

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.

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.

In-hospital wisdom tooth extraction is a hospital based surgical procedure that removes one or more wisdom teeth from a patient's mouth.

In-hospital wisdom tooth extraction is a hospital based surgical procedure that removes one or more wisdom teeth from a patient's mouth.

In-hospital wisdom tooth extraction is a hospital based surgical procedure that removes one or more wisdom teeth from a patient's mouth.

In-hospital wisdom tooth extraction is a hospital based surgical procedure that removes one or more wisdom teeth from a patient's mouth.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Also known as obstetrics or maternity, pregnancy and birth related services refer to hospital admissions for the birth of a child.

Also known as obstetrics or maternity, pregnancy and birth related services refer to hospital admissions for the birth of a child.

Also known as obstetrics or maternity, pregnancy and birth related services refer to hospital admissions for the birth of a child.

Also known as obstetrics or maternity, pregnancy and birth related services refer to hospital admissions for the birth of a child.

Not covered.

If this service is important to you, please choose Comprehensive Working Visa Cover instead.

Not covered.

If this service is important to you, please choose Comprehensive Working Visa Cover instead.

Not covered.

If this service is important to you, please choose Comprehensive Working Visa Cover instead.

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.

The term 'Sterilisation' refers to a range of permanent surgical contraceptive procedures such as tubal ligations, hysterectomies and vasectomies.

The term 'Sterilisation' refers to a range of permanent surgical contraceptive procedures such as tubal ligations, hysterectomies and vasectomies.

The term 'Sterilisation' refers to a range of permanent surgical contraceptive procedures such as tubal ligations, hysterectomies and vasectomies.

The term 'Sterilisation' refers to a range of permanent surgical contraceptive procedures such as tubal ligations, hysterectomies and vasectomies.

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 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 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 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.

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.

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.

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.

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.

Not covered.

If this service is important to you, please choose Comprehensive Working Visa Cover instead.

Not covered.

If this service is important to you, please choose Comprehensive Working Visa Cover instead.

Not covered.

If this service is important to you, please choose Comprehensive Working Visa Cover instead.

A bone marrow transplant is a procedure that replaces damaged or destroyed bone marrow with healthy bone marrow stem cells.

Not covered.

If this service is important to you, please choose Comprehensive Working Visa Cover instead.

Not covered.

If this service is important to you, please choose Comprehensive Working Visa Cover instead.

Not covered.

If this service is important to you, please choose Comprehensive Working Visa Cover instead.

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.

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.

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.

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.

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.

In-hospital psychiatric care and treatment involves the treatment of mental illness, including drug and alcohol rehabilitation, eating disorders, and post-natal depression.

In-hospital psychiatric care and treatment involves the treatment of mental illness, including drug and alcohol rehabilitation, eating disorders, and post-natal depression.

In-hospital psychiatric care and treatment involves the treatment of mental illness, including drug and alcohol rehabilitation, eating disorders, and post-natal depression.

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 is the care of patients with serious and terminal illnesses, to help relieve symptoms, improve general comfort and help patients live longer.

Palliative care is the care of patients with serious and terminal illnesses, to help relieve symptoms, improve general comfort and help patients live longer.

Palliative care is the care of patients with serious and terminal illnesses, to help relieve symptoms, improve general comfort and help patients live longer.

Palliative care is the care of patients with serious and terminal illnesses, to help relieve symptoms, improve general comfort and help patients live longer.

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.

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.

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.

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 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.

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.

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.

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.

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.

This policy does not include an excess.

This policy does not include an 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).