A waiting period is a set amount of time during which you must continuously hold your level of health cover but cannot claim a benefit. Once you’ve served your waiting periods, you can submit a claim. Below is a full list of waiting periods for HBF Overseas Visitors Health cover. If you choose to take out extras cover, refer to your relevant product sheet for information on the waiting periods that will apply.

Standard Overseas Visitor cover

Pre-existing conditions	12-month waiting period (excluding Psychiatric, Rehabilitation and Palliative care)
Psychiatric, Rehabilitation and Palliative care	2-month waiting period
All other in-patient hospital treatment	No waiting period
Out-patient medical treatment	No waiting period
Urgent ambulance	No waiting period

Working Visa Hospital & Working Visa Hospital and Medical cover

Pre-existing conditions	12-month waiting period (excluding Psychiatric, Rehabilitation and Palliative care)
Maternity	12-month waiting period
Psychiatric, Rehabilitation and Palliative care	2-month waiting period
All other in-patient hospital treatment	No waiting period
Out-patient medical treatment	No waiting period
Urgent ambulance	No waiting period

Overseas Visitors Health Cover (OVHC)