Health Insurance Fund of Australia

Welcome to Australia

Hello. We’re the Health Insurance Fund of Australia, or ‘HIF’ to our friends. And thanks to our affordable range of health insurance options and our commitment to providing choice, choice and more choice, we have a growing number of friends across Australia and beyond.

Making health insurance affordable for all overseas visitors

When planning a visit down under, we’re guessing private health cover is the last thing you want to think about. Why spend time researching health insurance when there’s so much more interesting stuff to look forward to, right? That’s why we’ve made organising private health insurance cover as easy and affordable as possible for overseas visitors.

Taking the pain out of healthcare

If you’re planning a trip to Australia you firstly need to ask yourself – are you covered by Medicare, our public health system? And the answer, well, it depends.

Residents of some countries have access to limited Medicare cover, but only for emergency treatment and only under certain conditions. If you aren’t covered you’ll have to pay for hospital or medical treatment, which can be pricey. For instance, an emergency appendix removal can cost up to $28,000. Ouch!

Even if you are covered by Medicare, private health insurance still makes sense. Medicare is good, but it isn’t perfect. There are still waiting lists. And who wants to wait for a doctor when you could be enjoying Australia?

We offer three great levels of cover for overseas visitors, all of which are compliant with 457 visa regulations:

1. 'Essential Visitors' is our entry-level cover option. It's very affordable, and covers all the essentials like access to the public health system. It doesn't cover visits to the GP though, and other limits also apply.
2. 'Intermediate Visitors' is our mid-range cover option and is great value for visitors who want to be covered for some visits to the GP and don't mind sharing a room in hospital.
3. 'Comprehensive Visitors' is our top level of cover and is perfect for those wanting to ensure they're fully protected. It includes a private room in hospital, your choice of doctor, visits to the GP and much, much more.