HCF Short Stay
Visitor Health Insurance
Explore hospital and medical benefits, age-based monthly premiums and important exclusions for HCF Short Stay cover.
HCF Short Stay does not satisfy visa condition 8501. If condition 8501 applies to your visa, choose a suitable policy instead.
Monthly premiums by age
Indicative monthly premiums for one person. Confirm the current premium and terms with HCF before purchase.
| Age group | Monthly premium (AUD) |
|---|---|
| 18–35 years | $49.00 |
| 36–55 years | $53.00 |
| 56–70 years | $101.76 |
| 71–100 years | $217.30 |
Prices vary with the applicant's age at the time of purchase and may change.
What's included?
Cover for included services at participating public and private hospitals. Non-participating hospitals can involve substantial out-of-pocket expenses.
Emergency transport to the nearest suitable hospital, subject to policy terms. Non-emergency transport and transfers are excluded.
Eligible GP visits: 100% at HCF GP Network providers or up to 100% of the Medicare Benefits Schedule (MBS) fee otherwise. Gap fees may apply.
Eligible pathology and radiology services covered up to 100% of the MBS fee. Out-of-pocket costs may apply.
Important exclusions
Pregnancy and birth-related services are excluded.
Heart and cardiovascular conditions are excluded.
Pre-existing conditions are excluded under the supplied product summary.
No pause or suspension option under the supplied product summary.
Excess options: $250, $500 or $750 per person per year. Check how your selected excess applies to claims.
Frequently asked questions
Does HCF Short Stay meet visa condition 8501?
No. HCF Short Stay is not suitable for meeting visa condition 8501. If your visa has this condition, choose a policy that meets the requirement.
Can I buy HCF Short Stay if I hold a Subclass 600 Visitor Visa?
HCF Short Stay may be an option for some visitors, but suitability depends on your visa conditions and personal circumstances. Check your visa grant notice before purchasing.
Does HCF Short Stay cover GP visits?
Benefits may be payable for eligible GP consultations, including HCF GP Network arrangements. Benefits and out-of-pocket costs depend on the applicable terms and provider.
Does HCF Short Stay cover blood tests, X-rays and other medical tests?
Eligible pathology and radiology services may attract benefits up to the applicable Medicare Benefits Schedule (MBS) amount. Gap fees and exclusions can apply.
Does HCF Short Stay cover emergency ambulance services?
The supplied product information describes emergency ambulance cover. Non-emergency transfers are not included; check the policy terms for eligibility and limits.
Does HCF Short Stay cover hospital treatment?
Benefits may apply to eligible hospital services at participating hospitals. Not every treatment or hospital charge is covered, so check the specific service and any restrictions before admission.
Does HCF Short Stay cover surgery?
Surgical benefits depend on the type of procedure, whether the service is included, and the hospital and policy conditions. Confirm the planned procedure directly with HCF before treatment.
Are specialist consultations covered?
Specialist benefits cannot be confirmed from the available product summary. Check the full HCF policy documents or ask HCF about the particular consultation before booking.
Does HCF Short Stay cover cardiovascular or heart-related conditions?
The supplied product summary lists cardiovascular conditions as excluded. Do not assume heart-related consultations, investigations or treatment will be covered.
Does HCF Short Stay cover pregnancy and childbirth?
No. Pregnancy and birth-related services are excluded according to the supplied product summary.
Are pre-existing medical conditions covered?
The supplied product summary lists pre-existing conditions as excluded. Ask HCF how its definitions and exclusions apply to your medical history.
What ages can apply for HCF Short Stay?
The age range used for this Policy Direct comparison is 18 to 100 years. Eligibility and acceptance remain subject to HCF’s current application rules.
How much does HCF Short Stay cost per month?
The displayed monthly premiums are $49.00 for ages 18–35, $53.00 for ages 36–55, $101.76 for ages 56–70, and $217.30 for ages 71–100. Prices are indicative and should be confirmed when obtaining a quote.
Are there waiting periods, benefit limits or other exclusions?
Waiting periods, limits, exclusions and eligibility rules may affect claims. Review the current HCF policy documents and ask HCF to confirm any particular treatment.
Can I cancel my HCF Short Stay policy or receive a refund?
Cancellation and any refund depend on HCF’s current terms and the circumstances of the request. Confirm the applicable rules directly with HCF before buying or cancelling.
Need insurance that meets visa condition 8501? Compare 600 visitor visa insurance options.
Ready to review HCF Short Stay?
Check the current policy documents, excess and exclusions carefully before purchasing, particularly if your visa has health insurance requirements.
Visit HCF and Get Quote ↗Information is based on the HCF Short Stay product summary supplied for this comparison (July 2025). This is general information only and not a guarantee of benefits, eligibility or visa compliance. HCF's current policy documents and your visa conditions take precedence.