Overseas Workers Standard Hospital and Medical

For visas 482, 485, 188, 400, 403, 407, 408, 417, 462, 489 and more.

An all-round option for if you want to meet any visa health insurance requirements (condition 8501) while having comprehensive cover to help with the cost of everyday medical services, like seeing a doctor, but don't need outpatient pregnancy and birth services or assisted reproductive services.

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Show price from 1 April

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.

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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.

Bright minds, get 6 weeks free with award winning Overseas Workers Covers.

Join Medibank and maintain eligible Overseas Workers Health cover by 31 March 2024 and you could get 6 weeks free after your first consecutive 42 days. Plus, if you track any activity in the Live Better section of the My Medibank app within 42 days of your cover start date you could receive 10,000 Live Better Points (which you could redeem for up to $100 in gift cards) as a single/single parent, or 20,000 Live Better points (which you could redeem for up to $200 in gift cards) as a family/couple.‡

CURRENT MEDIBANK OSHC MEMBERS use promo code: OSHCGRADSAVE NEW MEMBERS use promo code: WORKER6
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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.

Hospital cover

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).

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Nil
Nil
Nil
2 months
2 months
2 months
Nil

(12 months for pre-existing conditions)

Nil

(12 months for pre-existing conditions)

Nil

(12 months for pre-existing conditions)

Nil

(12 months for pre-existing conditions)

Nil

(12 months for pre-existing conditions)

Nil

(12 months for pre-existing conditions)

Nil

(12 months for pre-existing conditions)

Nil

(12 months for pre-existing conditions)

Nil

(12 months for pre-existing conditions)

Nil

(12 months for pre-existing conditions)

Nil

(12 months for pre-existing conditions)

Nil

(12 months for pre-existing conditions)

Nil

(12 months for pre-existing conditions)

Nil

(12 months for pre-existing conditions)

Nil

(12 months for pre-existing conditions)

Nil

(12 months for pre-existing conditions)

Nil

(12 months for pre-existing conditions)

Nil

(12 months for pre-existing conditions)

Nil

(12 months for pre-existing conditions)

Nil

(12 months for pre-existing conditions)

Nil

(12 months for pre-existing conditions)

Nil

(12 months for pre-existing conditions)

Nil

(12 months for pre-existing conditions)

Nil

(12 months for pre-existing conditions)

Nil

(12 months for pre-existing conditions)

Nil

(12 months for pre-existing conditions)

Nil

(12 months for pre-existing conditions)

Nil

(12 months for pre-existing conditions)

Nil

(12 months for pre-existing conditions)

12 months
Nil

(12 months for pre-existing conditions)

Nil

(12 months for pre-existing conditions)

Nil

(12 months for pre-existing conditions)

Nil

(12 months for pre-existing conditions)

Services that are Excluded

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:

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 Standard Hospital and Medical you can choose from a $0, $250 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 to your own accommodation costs.

For example:

You choose an excess of $500. You'd need to pay $500 towards your accomodation costs before we'll pay any benefits.

If you choose an excess, it does not apply for any children on a family membership.

Medical benefits

Overseas Workers Standard 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 Workers Standard Hospital and Medical pays 100% of the MBS fee for:

  • general practitioner (GP) consultations
  • other medical services provided out-of-hospital (for example specialists, pathology and x-rays), except Pregnancy and birth or Assisted reproductive services.
  • in-hospital medical services provided as part of an Included service (for example surgeon and anaesthetist fees)
  • 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 $41.40. You visit a doctor that charges $50. Overseas Workers Standard Hospital and Medical pays 100% of the MBS fee for GP consultations. This means you would get back $41.40. Your out-of-pocket cost would be $8.60.

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 Standard Hospital and Medical 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 $100,000).

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 $10,000).

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 Workers Standard 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

 

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

~The fee may not include all medical services provided and out-of-pocket expenses may apply such as for x-rays, blood tests and any charges raised by the doctor above the benefit we pay.

^^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.

  Offer commences 1 December 2023 and ends 31 March 2024. For new members on new memberships who have not previously held ahm OSHC, Medibank OSHC or Medibank Overseas Workers Health cover in the past 6 months. Must join and start eligible Medibank Overseas Workers Health covers by 31 March 2024.

Eligible covers include the following covers only:

  • Overseas Workers Base Hospital;
  • Overseas Workers Standard Hospital and Medical;
  • Overseas Workers Advanced Hospital and Medical Cover;
  • Overseas Workers Premium Hospital, Medical and Extras.

Excludes Overseas Visitors Health Cover, all Corporate covers, all residential hospital and extras covers, Overseas Student Health Cover, Ambulance Cover, ahm covers, and any other Overseas Workers Health Covers. Must join, start and maintain eligible Medibank Overseas Workers Health covers by 31st March 2024. Must quote promo code ‘WORKER6’ when joining. Not available if the Policy Holder has already taken up this offer, or they have taken up any other discount offer from Medibank within 12 months from the policy start date. Not available to Medibank employees. Not available with any other offer. Member take up of the offer is deemed acceptance of these Terms and Conditions. Medibank reserves the right to amend these Terms and Conditions from time to time.

6 weeks free terms:
Must keep policy premium payments up-to-date and hold eligible cover for 42 consecutive days from the policy start date to get next 6 weeks free. If you change to an ineligible cover during this period, or you terminate or suspend your cover, 6 weeks free will not be issued.

2 & 6 month waiver terms:
For members joining Overseas Workers Premium Hospital, Medical and Extras Cover, 2&6 month waiting periods on extras will be waived. Other waiting periods may still apply, including 12 months for some dental services. If switching funds, any waiting periods you've already served for comparable extras will generally be recognised if you join Medibank within 2 months of leaving your previous fund. Annual limits on extras apply. If you've reached your limits from a previous fund you may not be able to claim straight away.

Live better terms:
Must keep policy premiums up-to-date and hold eligible cover for 42 consecutive days from the policy start date to be eligible for Live Better rewards points. If you change to an ineligible cover during this period, or you terminate or suspend your cover, the Live Better rewards points will not be issued. Policy Holder will require access to a smartphone and will need to download the My Medibank App and track any Live Better activity within 42 days from the policy start date. Must be 18 years or over and have a valid Australian residential address to register for Medibank Live Better. Policy Holder will need to have registered a My Medibank account and linked their My Medibank account with their Live Better account within 42 days from the policy start date. Live Better rewards points may take up to 10 weeks from your cover start date to be loaded into the Policy Holder’s Live Better account.  Must be up-to-date with premium payments when redeeming Live Better rewards points for rewards. Singles and single parents will receive 10,000 Live Better rewards Points, and families and couples will receive 20,000 Live Better rewards Points. Read full Medibank Live Better terms here: https://www.medibank.com.au/livebetter/rewards/terms/