About Essential Visitors Cover
Great value hospital, medical and extras cover, with a hospital Excess to help reduce your premiums.
Hospital cover
What’s covered?
We pay Benefits towards:
Public hospital
Essential Visitors Cover pays for the full cost of overnight accommodation charges in a shared or private room in a public hospital (less your Excess).
For Same Day Admissions in a public hospital, Medibank Private will cover the full cost of a shared room only, less your Excess.
Any charge above your Benefit will form part of your out-of-pocket expenses.
Excess
An Excess is an amount that you agree to pay if admitted to hospital in exchange for lower premiums. Your Excess is deducted from the Benefits we pay you when you make a hospital claim. The Excess is:
Your Excess applies each calendar year and only up to $150 for Singles or $300 for Families. Plus there is No Excess for Children with Essential Visitors Cover which means only adults have to pay the Excess.
Prescription only pharmaceuticals – important information
Most international visitors to Australia are not eligible for subsidised pharmaceuticals under the Pharmaceutical Benefits Scheme (PBS).
Some pharmaceuticals used in some treatments can be very expensive for people who do not have access to the PBS. Essential Visitors Cover pays limited benefits for pharmaceuticals.
This means you may incur significant out-of-pocket expenses if high cost pharmaceuticals are required for your treatment.
For more information, please see the Visitors Cover Membership Guide.
Medical cover
We provide Benefits for medical services, either in or out of hospital, that are listed under the Medicare Benefits Schedule fee and are provided by a Registered Medical Practitioner.
The Medicare Benefits Schedule covers most medical procedures and treatments provided by Registered Medical Practitioners.
We will pay Benefits equivalent to 100% of the Medicare Benefits Schedule fee. This is the amount declared by the Australian Government as the standard medical fee for the payment of Medicare Benefits. You will have to pay any additional cost if the doctor charges more than the Benefits we pay you. Benefits are not payable where a service is not listed in the Medicare Benefits Schedule.
If you have eligibility for Medicare, Benefits are not payable under Essential Visitors Cover for professional services for which a Medicare benefit is payable.
Extras cover
Provides you with cover for health services, other than those provided in a hospital or by Registered Medical Practitioners, such as dental or physiotherapy. A great way to look after your health and wellbeing.
Find out more.
Before you join, ensure you read our Glossary of terms and Important Information about our Fund Rules, such as Waiting Periods (including the Pre-Existing Ailment Rule) and other assessment information.