Overseas Visitors Premier Hospital and Medical

For visa subclass 600, 601, 870, 300, 461, 590, 651 and more. This cover meets the Australian Government’s requirements for adequate health insurance (visa condition 8501).

Top level Hospital and Medical cover that meets any visa health insurance requirements (condition 8501), giving you extensive in-hospital and out-patient medical coverage to support your health and wellbeing during your stay in Australia.

This cover meets visa condition 8501

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Hospital cover

Helps towards the accommodation costs and doctors, specialists, surgeons and anaesthetists fees for the Included services below.

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).
Ambulance services	Nil
No Excess for kids on a family membership	Nil
Public hospital accident and emergency departments	Nil
Rehabilitation	2 months
Hospital psychiatric services	2 months
Palliative care	2 months
Brain and nervous system Hospital treatment for the investigation and treatment of the brain, brain-related conditions, spinal cord and peripheral nervous system. For example: stroke, brain or spinal cord tumours, head injuries, epilepsy and Parkinson’s disease. Treatment of spinal column (back bone) conditions is listed separately under Back, neck and spine. Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer. Waiting Period 14 days (12 months for pre-existing conditions)	14 days (12 months for pre-existing conditions)
Eye (not cataracts) Hospital treatment for the investigation and treatment of the eye and the contents of the eye socket. For example: retinal detachment, tear duct conditions, eye infections and medically managed trauma to the eye. Cataract procedures are listed separately under Cataracts. Eyelid procedures are listed separately under Plastic and reconstructive surgery. Waiting Period 14 days (12 months for pre-existing conditions)	14 days (12 months for pre-existing conditions)
Ear, nose and throat 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 14 days (12 months for pre-existing conditions)	14 days (12 months for pre-existing conditions)
Tonsils, adenoids and grommets	14 days (12 months for pre-existing conditions)
Bone, joint and muscle 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 14 days (12 months for pre-existing conditions)	14 days (12 months for pre-existing conditions)
Joint reconstructions 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 14 days (12 months for pre-existing conditions)	14 days (12 months for pre-existing conditions)
Kidney and bladder	14 days (12 months for pre-existing conditions)
Male reproductive system	14 days (12 months for pre-existing conditions)
Digestive system 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 14 days (12 months for pre-existing conditions)	14 days (12 months for pre-existing conditions)
Hernia and appendix	14 days (12 months for pre-existing conditions)
Gastrointestinal endoscopy Hospital treatment for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope. For example: colonoscopy, gastroscopy, endoscopic retrograde cholangiopancreatography (ERCP) Non-endoscopic procedures for the digestive system are listed separately under Digestive system. Waiting Period 14 days (12 months for pre-existing conditions)	14 days (12 months for pre-existing conditions)
Gynaecology Hospital treatment for the investigation and treatment of the female reproductive system. For example: endometriosis, polycystic ovaries, female sterilisation and cervical cancer. Fertility treatments are listed separately under Assisted reproductive services. Pregnancy and birth-related conditions are listed separately under Pregnancy and birth. Miscarriage or termination of pregnancy is listed separately under Miscarriage and termination of pregnancy. Waiting Period 14 days (12 months for pre-existing conditions)	14 days (12 months for pre-existing conditions)
Miscarriage and termination of pregnancy	14 days (12 months for pre-existing conditions)
Chemotherapy, radiotherapy and immunotherapy for cancer Hospital treatment for chemotherapy, radiotherapy and immunotherapy for the treatment of cancer or benign tumours. Surgical treatment of cancer is listed separately under each body system. ^{We will only pay towards cancer-related surgery related to an Included service under your cover.} Waiting Period 14 days (12 months for pre-existing conditions)	14 days (12 months for pre-existing conditions)
Pain management Hospital treatment for pain management that does not require the insertion or surgical management of a device. For example: treatment of nerve pain and chest pain due to cancer by injection of a nerve block. Pain management using a device (for example an infusion pump or neurostimulator) is listed separately under Pain management with device. Waiting Period 14 days (12 months for pre-existing conditions)	14 days (12 months for pre-existing conditions)
Skin 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 14 days (12 months for pre-existing conditions)	14 days (12 months for pre-existing conditions)
Breast surgery (medically necessary) 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 14 days (12 months for pre-existing conditions)	14 days (12 months for pre-existing conditions)
Diabetes management (excluding insulin pumps) 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 14 days (12 months for pre-existing conditions)	14 days (12 months for pre-existing conditions)
Heart and vascular system Hospital treatment for the investigation and treatment of the heart, heart-related conditions and vascular system. For example: heart failure and heart attack, monitoring of heart conditions, varicose veins and removal of plaque from arterial walls. Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer. Waiting Period 14 days (12 months for pre-existing conditions)	14 days (12 months for pre-existing conditions)
Lung and chest Hospital treatment for the investigation and treatment of the lungs, lung-related conditions, mediastinum and chest. For example: lung cancer, respiratory disorders such as asthma, pneumonia, and treatment of trauma to the chest. Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer. Waiting Period 14 days (12 months for pre-existing conditions)	14 days (12 months for pre-existing conditions)
Blood	14 days (12 months for pre-existing conditions)
Back, neck and spine 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 14 days (12 months for pre-existing conditions)	14 days (12 months for pre-existing conditions)
Plastic and reconstructive surgery (medically necessary) 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 14 days (12 months for pre-existing conditions)	14 days (12 months for pre-existing conditions)
Dental surgery 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 14 days (12 months for pre-existing conditions)	14 days (12 months for pre-existing conditions)
Podiatric surgery (provided by a registered podiatric surgeon) 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 14 days (12 months for pre-existing conditions)	14 days (12 months for pre-existing conditions)
Implantation of hearing devices	14 days (12 months for pre-existing conditions)
Cataracts	14 days (12 months for pre-existing conditions)
Joint replacements 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 14 days (12 months for pre-existing conditions)	14 days (12 months for pre-existing conditions)
Dialysis for chronic kidney failure	14 days (12 months for pre-existing conditions)
Pregnancy and birth Hospital treatment for investigation and treatment of conditions associated with pregnancy and child birth. Treatment for the baby is included under the clinical category relevant to their condition. Female reproductive conditions are listed separately under Gynaecology. Fertility treatments are listed separately under Assisted reproductive services. Miscarriage and termination of pregnancy is listed separately under Miscarriage and termination of pregnancy. Waiting Period 12 months	12 months
Weight loss surgery	14 days (12 months for pre-existing conditions)
Insulin pumps	14 days (12 months for pre-existing conditions)
Pain management with device 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 14 days (12 months for pre-existing conditions)	14 days (12 months for pre-existing conditions)
Sleep studies	14 days (12 months for pre-existing conditions)

Services that are Excluded
Assisted reproductive services

Please note: Medibank does not pay any benefits towards the cost of cosmetic surgery/procedures e.g. surgery that isn’t clinically necessary and for which an MBS item is not billable.

Hospital cover explained

For the services listed as Inclusions in the table above, we pay benefits towards:

Other hospital items we pay benefits towards:

Doctors' fees for Included in-hospital medical services (as set out in Medical benefits below).
Surgically implanted prostheses (such as an artificial body part like a limb) and other items on the Australian Government’s Prescribed List of Medical Devices and Human Tissue Products ^{^^}.
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.

Private Hospital

Overnight accommodation in a private or shared room
Same-day admissions
Intensive care

Other benefits as set out in 'Hospital benefits' below.

Public Hospital (as a private patient)

Overnight accommodation in a private or shared room
Same-day admissions
Intensive care
Operating theatre fees
Outpatient and emergency department charges

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.

Private room promise

If there isn’t a private room available at a Members’ Choice hospital, you may be entitled to receive $50 a night, for up to five nights per stay.

You’ll need to request a private room from the Members’ Choice hospital at least 24 hours before your stay; you must provide supporting documentation to Medibank from the hospital about this request and you must be eligible to receive benefits for the treatment you received during your stay. Does not apply for same-day admissions or admissions for sleep studies, or where your doctor specifically requests a shared room for clinical reasons.

In-hospital Family Boarder Benefit

If you or someone on your membership is admitted to hospital for an Included service and either a partner, immediate family member, carer or next of kin (‘boarder’) needs to stay in hospital with them, we will pay towards the cost of accommodation and meals charged by the hospital for that boarder up to $150 per admission.

$1,000,000 Total Annual Benefit Limit

This cover has a total annual benefit limit of $1,000,000 per member, per calendar year (1 January to 31 December).

A total annual benefit limit is the maximum total amount of benefits we will pay for eligible hospital, medical and/or ambulance services within a calendar year. Once this limit is reached, no further benefits are payable for the remainder of that calendar year. The limit resets on 1 January each year.

If you change covers within the same calendar year from another Medibank cover (excluding OSHC), benefits already paid by us on your previous cover in that calendar year will generally be counted toward your total annual benefit limit.

Hospital excess

With Overseas Visitors Premier Hospital and Medical there is a $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.

The excess does not apply for any children on a family membership.

Medical benefits

Overseas Visitors Premier Hospital and Medical 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 Visitors Premier Hospital and Medical pays 100% of the MBS fee for:

general practitioner (GP) consultations
in-hospital medical services provided as part of an Included service (for example surgeon and anaesthetist fees)

Overseas Visitors Premier Hospital and Medical pays 85% of the MBS fee for:

medical services provided out-of-hospital (for example specialists, pathology and x-rays), except for Pregnancy and birth and Assisted reproductive services.
allied health services billed with an MBS item number (for example eye checks and services related to chronic disease and mental health management plans).

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.

For example:

The MBS fee for item 23 (a GP consultation) is $43.90. You visit a doctor that charges $50. Overseas Visitors Premier Hospital and Medical pays 100% of the MBS fee for GP consultations. This means you would get back $43.90. Your out-of-pocket cost would be $6.10.

The MBS fee for item 65070 (full blood count test) is $17.35. You visit a pathology clinic that charges $20. Overseas Visitors Premier Hospital and Medical pays 85% of the MBS fee for included out-of-hospital medical services. This means you would get back $14.75. Your out-of-pocket cost would be $5.25.

Further benefits

24/7 Medibank Nurse and Mental Health Support

Medibank health insurance members can chat to a registered nurse or mental health professional and get guidance on what they can do next. Chat online or call 1800 644 325 anytime of the day or night, 7 days a week at no extra cost. Some referred services may involve out of pocket costs and waiting periods may apply.

Repatriation

If you or any person on this cover 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 (up to $50,000).

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 (up to $5,000).

The provision of any repatriation benefit is at our discretion. Conditions apply, including waiting periods. Contact us or refer to the Overseas Visitors Member Guide for more information.

Live better, get rewarded

You could earn up to $400 worth of rewards every year.⁺⁺

You can earn points by tracking healthy actions. And when you're an eligible Medibank Overseas Visitors Health Cover member with hospital or extras, these points can go towards rewards from select partners such as adidas and THEICONIC, as well as select Apple products, extras limit increases or a $200 premium payment.^≈

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 Visitors Premier Hospital and Medical 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.

Supporting documents

Member Guide (PDF - 504 KB)

Cover Summary (PDF - 385 KB)

Things worth knowing

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

Find out more

Things you need to know

⁺⁺ Medibank Live Better Challenges & Goals Earning Policy: The participant of a Medibank Live Better Challenge or Goal may not receive Live Better points or may have their already credited Live Better points reversed in accordance with the Medibank Live Better terms and conditions. To earn Live Better points, the participant needs to properly complete 100% of the eligible Challenge according to the instructions. The number of Live Better points available for Medibank Live Better Challenges and Goals is subject to change without prior notice. The maximum number of Live Better points that each Medibank Live Better member can earn from successfully completing health and wellbeing Challenges, Goals or any Onboarding action in a calendar year is 40,000 Live Better points. To the extent of any inconsistency between this Policy and the Medibank Live Better terms and conditions, the terms and conditions will take precedence.

^≈ Must be 16 years or over to register for Medibank Live Better rewards in the My Medibank app. Some program partners and earning activities require a person to be at least 18 years of age to be eligible to earn and/or redeem a reward. Must be a Medibank member with hospital cover, extras cover, or hospital and extras cover, and be up-to-date with premium payments. Excludes Overseas Student Health Cover (OSHC), Ambulance only cover, ahm covers and other selected covers. Live Better Management Pty Ltd, ACN 003 457 289 has entered into commercial arrangements with Medibank Live Better program partners and may receive commissions. Please choose carefully as rewards will not be amended, cancelled, exchanged or refunded due to change of mind. Points earning activities and rewards are subject to change without prior notice and may be subject to availability. Additional terms and conditions may apply to points earning activities and rewards. See full Medibank Live Better rewards terms.