If you are moving to Australia to work and have to meet your 485 visa work requirements, then you will need to get private health insurance. Though you may be looking for couples 485 visa health insurance primarily for this reason, it is also important to get cover that actually works for you. Like all things, it is easier to choose the right one for you the first time round
Who are HBF?
HBF – like many health insurance providers in Australia – is a not for profit organisation that has been operating for over 70 years. This means that they are able to offer advice and services around your couples 485 visa health insurance without having to worry about the profitability of your cover. However, like most aspects of life, this does not necessarily translate to either the lowest prices or best cover.
The first thing to ensure when discussing HBF couples 485 visa health insurance, is whether is does indeed meet your 485 visa work requirements. Though there are other aspects of your cover that is important, it is all meaningless unless you can get your visa.
Like many providers in Australia, HBF couples 485 visa health insurance is specially designed to meet your visa requirements. They will also ensure that they express the information you need to ensure that you visa will progress quickly. If you need to know more about your 485 visa requirements, you ca visit Immigration Australia here.
The next step is whether this couples 485 visa health insurance policy gives value. Value is – of course – a mix of price and what you actually get with the package. As we can see from our chart below, HBF couples 485 visa health insurance is not a recommended policy based on its value.
As you can see HBF here is one of the more expensive policies on offer. This then means that if you want to get your couples 485 visa health insurance cheaply, HBF is not for you. However, at the same time, higher price does not always mean poor quality. So what else is in the policy that may interest you, or stop this policy being recommended?
An important part of any policy to understand is whether it has hospital excess or not. Paying excess on your couples 485 visa health insurance greatly changes the cost effectiveness of your policy should you actually use it. And with health cover you should certainly take it out with the idea of it being used.
As you can see from the chart above, HBF’s couples 485 visa health insurance certainly does have excess attached. This means you could end up paying a lot more for this policy than the upfront costs – and it is not as if it is a cheap cover to start with. We can easily say that – all up – this is one of the more expensive couples 485 visa health insurance policies available.
So what is or isn’t in this package. For one, what hospitals you are or are not covered for is central. With HBF this offers cover on selected Western Australian hospitals, so do not think that you can just wander into any hospital when needed and be covered. However, at the same time, they do have agreements with the vast majority of hospitals across Western Australia, so it is fairly robust in terms of options.
Private room cover is another factor that many people look at when choosing their couples 485 visa health insurance. With HBF whether you get a private room or not is dependent on what level of cover you get through them. With their basic cover you will need to share a room with other patients, but if you get the higher level policy, you will get private room cover (though this can be dependant on the hospital agreement in place).
There have been a fair amount of reviews in place for HBF and their couples 485 visa health insurance. The reviews on average are not very good, which displays that many people have had problems with the service they get on HBF policies. Though there are some that have been happy with HBF, it is always worth listening to feedback. Especially when HBF is one of the more expensive policies you will find, you would expect a higher level of service.
Is HBF Coupes 485 Visa Health Insurance for you?
HBF is one of the older not for profit health insurance providers in Australia. However, they are one of the more expensive on upfront costs, and their policies do include hospital excess, so this is not a cheap policy. Plus if you want to get private room cover, you will need to get the higher level of cover – costing you more.
All in all, HBF couples 485 visa health insurance is not a recommended policy, and their reviews show that the service they provide is not inline with the price attached. Overall there are other policies that will give you much more robust cover with better prices.