HSK 3 is the highest level within the elementary stage of HSK 3.0. The official competency profile describes effective communication in daily life, study, and work. That is a practical learning goal, not a claim of fluency or a direct CEFR equivalence.
In practice, you are working toward arranging a meeting, explaining why you will be late, asking for help while traveling, or describing a simple health problem. You need to understand the reply and keep the exchange going, not only ask a memorized question.
Familiar topics also include family, shopping, transportation, and everyday services. Fast speech or an unfamiliar topic may still be difficult; asking someone to repeat or explain is part of communicating.