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Overseas Visitors Starter Hospital and Medical

For visas 188, 400, 417, 462, 489, 600, 601, 651 and more.

A mid level cover option for younger visitors to Australia who don’t require health cover for visa purposes (condition 8501), but want the peace of mind of having cover for more than the essentials (incl. Heart and vascular system services) during their time in Australia.

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This cover may only be purchased by policy holders who are aged 49 or under.

This is the amount you pay towards your hospital treatment before we pay any benefits. It's paid once per person, per calendar year. 

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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. 

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
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)

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 uncluded 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 Visitors Starter Hospital and Medical you can choose from a $250 or $750 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 $750. You'd need to pay $750 towards your accomodation costs before we'll pay any benefits.

Medical benefits

Overseas Visitors Starter 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 Starter 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 where that service is Excluded under your Hospital cover
  • 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 management plans), except for mental health services

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 visit) is $38.20. You visit a doctor that charges $50. Overseas Visitors Starter Hospital and Medical pays 100% of the MBS fee. You would pay $50, get back $38.20 from Medibank. Your out-of-pocket expense would be $11.80.

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.

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 Starter 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

 

Need a little extra help?

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.

Have questions?

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