Going to a hospital from our HCF hospital network can help you avoid extra costs for hospital treatment for services covered under your Overseas Visitors Cover.

If you decide to go to a private hospital that isn’t in our network, or a public hospital, HCF may only pay a low level of benefits and you may have significant extra costs, depending on your cover. Please ask the hospital what your treatment will cost before you’re treated, so you can understand what your gap payment will be. In some instances this can be significant, and depending on the cover chosen, treatment and length of stay could be up to tens or hundreds of thousands of dollars.

To find out what treatments you’re covered for log in and check your policy details or call our 24/7 helpline on 13 68 42.