For visas 482, 485, 188, 400, 403, 407, 408, 417, 462, 489 and more.
A great option if you want to meet your visa health insurance requirements (condition 8501) on a budget, along with the peace of mind of having a top hospital cover, but don't need cover for outpatient service like seeing a GP.
Loading
from
This is the amount you pay towards your hospital treatment before we pay any benefits. It's paid once per person, per calendar year. It does not apply to children on a family policy. Choosing the higher excess reduces the premiums you pay.
This is the amount you pay towards your hospital treatment before we pay any benefits. It's paid once per person, per calendar year. It does not apply to children on a family policy. Choosing the higher excess reduces the premiums you pay.
Need some help?
We’re here to help you choose the health cover that matches your needs while you’re in Australia. Contact Medibank how it suits you; online 24/7, WeChat, in-store or by phone.
Helps towards the accommodation costs and doctors, specialists, surgeons and anaesthetists fees for the Included services below.
What is a waiting period?
A set period of time you need to wait before you can receive benefits for services or items included in your cover. You can’t receive benefits for any items or services you obtained while you’re serving a waiting period. This means you will have to pay the full cost of the service.
What is a pre-existing condition?
An ailment, illness or condition that, in the opinion of a Medical Practitioner appointed by Medibank, the signs or symptoms existed at any time during the six months before you either took out your new cover, or transferred to a higher level of cover (12 month waiting period applies).
Inclusions
Waiting Period
What is a waiting period?
A set period of time you need to wait before you can receive benefits for services or items included in your cover. You can’t receive benefits for any items or services you obtained while you’re serving a waiting period. This means you will have to pay the full cost of the service.
What is a pre-existing condition?
An ailment, illness or condition that, in the opinion of a Medical Practitioner appointed by Medibank, the signs or symptoms existed at any time during the six months before you either took out your new cover, or transferred to a higher level of cover (12 month waiting period applies).
Unlimited emergency ambulance services Australia-wide. For ambulance attendance or transportation to a hospital where immediate professional attention is required and your medical condition is such that you couldn’t be transported any other way.
Hospital treatment for care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.
Hospital treatment for the investigation and treatment of the ear, nose, throat, middle ear, thyroid, parathyroid, larynx, lymph nodes and related areas of the head and neck.
For example: damaged ear drum, sinus surgery, removal of foreign bodies, stapedectomy and throat cancer.
Tonsils, adenoids and grommets are listed separately under Tonsils, adenoids and grommets.
The implantation of a hearing device is listed separately under Implantation of hearing devices.
Orthopaedic neck conditions are listed separately under Back, neck and spine.
Sleep studies are listed separately under Sleep studies.
Waiting Period
Nil(12 months for pre-existing conditions)
Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system.
For example: carpal tunnel, fractures, hand surgery, joint fusion, bone spurs, osteomyelitis and bone cancer.
Chest surgery is listed separately under Lung and chest.
Spinal cord conditions are listed separately under Brain and nervous system.
Spinal column conditions are listed separately under Back, neck and spine.
Joint reconstructions are listed separately under Joint reconstructions.
Joint replacements are listed separately under Joint replacements.
Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).
Waiting Period
Nil(12 months for pre-existing conditions)
Hospital treatment for surgery for joint reconstructions.
For example: torn tendons, rotator cuff tears and damaged ligaments.
Joint replacements are listed separately under Joint replacements.
Bone fractures are listed separately under Bone, joint and muscle.
Procedures to the spinal column are listed separately under Back, neck and spine.
Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).
Waiting Period
Nil(12 months for pre-existing conditions)
Hospital treatment for the investigation and treatment of the digestive system, including the oesophagus, stomach, gall bladder, pancreas, spleen, liver and bowel.
For example: oesophageal cancer, irritable bowel syndrome, gall stones and haemorrhoids.
Endoscopy is listed separately under Gastrointestinal endoscopy.
Hernia and appendicectomy procedures are listed separately under Hernia and appendix.
Bariatric surgery is listed separately under Weight loss surgery.
Waiting Period
Nil(12 months for pre-existing conditions)
Hospital treatment for the investigation and treatment of skin, skin-related conditions and nails. The removal of foreign bodies is also included. Plastic surgery that is medically necessary and relating to the treatment of a skin-related condition is also included.
For example: melanoma, minor wound repair and abscesses.
Removal of excess skin due to weight loss is listed separately under Weight loss surgery.
Waiting Period
Nil(12 months for pre-existing conditions)
Hospital treatment for the investigation and treatment of breast disorders and associated lymph nodes, and reconstruction and/or reduction following breast surgery or a preventative mastectomy.
For example: breast lesions, breast tumours, asymmetry due to breast cancer surgery, and gynecomastia.
This clinical category does not require benefits to be paid for cosmetic breast surgery that is not medically necessary.
Waiting Period
Nil(12 months for pre-existing conditions)
Hospital treatment for the investigation and management of diabetes.
For example: stabilisation of hypo- or hyper- glycaemia, contour problems due to insulin injections.
Treatment for diabetes-related conditions is listed separately under each body system affected. For example, treatment for diabetes-related eye conditions is listed separately under Eye.
Treatment for ulcers is listed separately under Skin.
Provision and replacement of insulin pumps is listed separately under Insulin pumps.
Waiting Period
Nil(12 months for pre-existing conditions)
Hospital treatment for the investigation and treatment of the back, neck and spinal column, including spinal fusion.
For example: sciatica, prolapsed or herniated disc, and spine curvature disorders such as scoliosis, kyphosis and lordosis.
Joint fusions are listed separately under Bone, joint and muscle.
Spinal cord conditions are listed separately under Brain and nervous system.
Management of back pain is listed separately under Pain management. Pain management that requires a device is listed separately under Pain management with device.
Waiting Period
Nil(12 months for pre-existing conditions)
Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity, whether acquired as a result of illness or accident, or congenital.
For example: burns requiring a graft, cleft palate, club foot and angioma.
Plastic surgery that is medically necessary relating to the treatment of a skin-related condition is listed separately under Skin.
Waiting Period
Nil(12 months for pre-existing conditions)
Hospital treatment for surgery to the teeth and gums.
For example: surgery to remove wisdom teeth and dental implant surgery.
For Dental surgery performed by a dentist rather than a medical practitioner we only pay benefits towards hospital charges. If the surgery is performed by a medical practitioner and an MBS item number is billed, we will pay benefits towards the hospital and medical charges.
Waiting Period
Nil(12 months for pre-existing conditions)
Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon, but limited to benefits towards:
• accommodation; and
• the cost of a prosthesis as listed in the prostheses list set out in the Private Health Insurance (Prostheses) Rules, as in force from time to time.
For Podiatric surgery we only pay benefits towards hospital charges. There are no MBS items for podiatric surgery. This means we also don’t pay any benefits towards the podiatric surgeon’s fees under Hospital cover and you could incur significant out-of-pocket expenses.
Waiting Period
Nil(12 months for pre-existing conditions)
Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses.
For example: replacement of shoulder, wrist, finger, hip, knee, ankle, or toe joint.
Joint fusions are listed separately under Bone, joint and muscle.
Spinal fusions are listed separately under Back, neck and spine.
Joint reconstructions are listed separately under Joint reconstructions.
Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).
Waiting Period
Nil(12 months for pre-existing conditions)
Hospital treatment for surgery that is designed to reduce a person’s weight, remove excess skin due to weight loss and reversal of a bariatric procedure.
For example: gastric banding, gastric bypass and sleeve gastrectomy.
Waiting Period
Nil(12 months for pre-existing conditions)
Hospital treatment for the implantation, replacement or other surgical management of a device required for the treatment of pain.
For example: treatment of nerve pain, back pain, and pain caused by coronary heart disease with a device (for example an infusion pump or neurostimulator).
Treatment of pain that does not require a device is listed separately under Pain management.
Waiting Period
Nil(12 months for pre-existing conditions)
Hospital treatment for the investigation of sleep patterns and anomalies.
For example: sleep apnoea and snoring.
Waiting Period
Nil(12 months for pre-existing conditions)
Nil
(12 months for pre-existing conditions)
Please note: Medibank does not pay any benefits towards the cost of cosmetic surgery/procedures e.g. surgery that isn’t clinically necessary and which an MBS item is not billable.
Hospital cover explained
For the services listed as Inclusions in the table above, we pay benefits towards:
Pharmaceutical Benefits Scheme (PBS)** listed medication given to you as part of your admitted treatment for most medical conditions, including medication prescribed for after you leave hospital.
Overnight accommodation in a private or shared room
Same-day admissions
Intensive care
Operating theatre fees
Outpatient and emergency department charges (where it leads to an admission)
Hospital benefits
Members’ Choice hospitals
Medibank has agreements with most private hospitals and day surgeries in Australia. We call this our Members’ Choice network. When you visit a Members’ Choice hospital you will generally get better value for money compared to a non-Members’ Choice private hospital, provided the service is included under our agreement with the hospital and not Excluded under your cover.
To find your nearest Members’ Choice hospital, visit medibank.com.au/memberschoice. Members’ Choice hospitals are subject to change from time to time and are not available in all areas.
Hospital excess
With Overseas Workers Base Hospital you can choose from a $300 or $500 excess.
This is the amount you pay towards your hospital treatment before we pay any benefits. It's payable once per member, per calendar year if admitted to hospital. If you choose a higher excess you will pay a lower premium, but will need to pay more of your own accommodation costs.
For example:
You choose an excess of $500. You'd need to pay $500 towards your accomodation costs before Medibank we'll pay any benefits.
The excess does not apply for any children on a family membership.
Medical benefits
Overseas Workers Base Hospital includes benefits towards medical services provided by a doctor, that are listed in the government’s Medicare Benefits Schedule (MBS). The MBS is a list of medical services and corresponding fees.
Overseas Workers Base Hospital pays 100% of the MBS fee for:
in-hospital medical services provided as part of an Included service (for example, surgeon and anaesthetist fees)
If your doctor chooses to charge above the MBS fee you will likely have to pay an out-of-pocket expense to cover the difference.
Further benefits
24/7 Medibank Nurse
Members are supported around the clock by Medibank nurses on our 24/7 Medibank Nurse telephone service.
Call 1800 644 325 for expert health-related advice any time of the day.
Repatriation
If you or any person on Overseas Worker Base Hospital sustains a substantial life-altering disability or a serious medical condition, as determined by us, and needs to return to their home country, we may arrange and pay the reasonable cost of travel with the appropriate medical supervision.
In the unfortunate event of death, we’ll pay the reasonable cost for the repatriation of mortal remains of you or anyone else on your membership to their home country.
The provision of any repatriation benefit is at our discretion. Conditions apply, including waiting periods. Contact us or refer to the Overseas Workers Member Guide for more information.
If your situation changes
If at any time you gain access to full Medicare entitlements or your visa status changes (e.g. you are granted permanent residency), Overseas Worker Base Hospital may no longer be suitable. In these instances, you should notify us of the change in your circumstances. Medibank can still remain an important part of your private health insurance plans as we offer a large range of other covers.
Find out more about things like waiting periods and pre-existing conditions or check our list of definitions if you don't know the meaning of a word or phrase
^^If you need to be hospitalised for a procedure requiring a surgically implanted prosthesis (for example: a pacemaker or cardiac stent), we’ll pay the minimum benefit for the thousands of items set out in the Australian Government’s Prostheses List.
**The PBS provides subsidised prescription drugs to residents of Australia, as well as certain foreign visitors covered by a Reciprocal Health Care Agreement.
Request a call back
Leave your details and a Medibank expert will be in touch to take you through your options. In
providing your telephone number, you consent to Medibank contacting you about health
insurance.
.
We'll have someone call you soon to help with any questions you have.
COVID-19 Health Assist - Expression of interest
Complete this form to express your interest in one of our
programs. If you're eligible, a member of our team will call you
within 2-3 business days.
What program are you interested in?
Sorry, only members with current Hospital cover are
eligible to participate in these programs
Eligible Medibank members with Extras cover are able to
access a range of telehealth services included on their
cover - you can find out more
here. Alternatively, if you would like to talk to one of our
team about your cover, we're here on
132 331.
Your membership details
Please provide your details so we can know how to contact you.
Your contact details
By clicking Submit, I understand that Medibank or its
subsidiaries may contact me to discuss my eligibility for the
Covid-19 Heath Assist program(s), and will disclose my
personal information within the Medibank Group of companies
and to third party service providers. Please see Medibank’s
privacy policy for further information about how Medibank will
handle my personal information, and how to contact Medibank:
https://www.medibank.com.au/privacy/
Thank you for expressing your interest in one of our COVID-19
Health Assist programs.
If you are eligible, one of our health professionals will call you
in 2-3 business days to discuss your situation and help to enrol
you in the relevant program.
There is no cost to participate, however some referred services
may incur an out of pocket cost.