Helping you choose the right cover

Am I eligible for Overseas Workers Health Cover?

Medibank's Overseas Workers Health Covers are only available to people who are in Australia on certain visas approved by Medibank. We may require proof of eligibility such as a copy of your visa.

Medibank can transfer anyone who is not eligible for our Overseas Workers Health Covers to an alternative cover. We can backdate this change and require you to pay any additional premiums and/or repay any higher benefits you received on your Overseas Workers Health Covers. So it's important that you let us know if your visa status changes.

Am I eligible for Overseas Student Health Cover?

Medibank's Overseas Student Health Covers (OSHC) is only available to people who are in Australia as an overseas student and either hold or are applying for, a student visa. We may require proof of eligibility such as a copy of your visa.

Medibank can transfer anyone who is not eligible for our Overseas Student Health Covers to an alternative cover. We can backdate this change and require you to pay any additional premiums and/or repay any higher benefits you received on your Overseas Student Health Covers. So it's important that you let us know if your visa status changes.

Is Overseas Visitors Health Cover right for you?

Medibank's Overseas Visitors Health Covers are designed for visitors, temporary residents and other residents in Australia who are not eligible for full Medicare entitlements, are not eligible for Medibank's Overseas Workers Health Cover or Overseas Student Health Cover, and do not hold a visa subject to condition 8501, but want health cover during their stay in Australia for maximum peace of mind.

Reciprocal Health Care Agreements (RHCA)

Australia has Reciprocal Health Care Agreements with the United Kingdom, New Zealand, Italy, Belgium, Malta, the Netherlands, Sweden, Finland, Norway, Slovenia and the Republic of Ireland. If you're a resident of a country which has a Reciprocal Health Care Agreement with Australia, you may be entitled to restricted access to Medicare, but only for medically necessary treatment. Post-arrival time limits and other restrictions may apply. So be sure to check what you're covered for before relying on a Reciprocal Health Care Agreement. For further information, please contact Medicare on 132 011.

What if I'm an international student?

If you're an overseas student in Australia with a valid student visa, our Overseas Visitors Health Covers and Overseas Workers Health Covers will not meet your student visa requirements. We recommend you purchase a Medibank Overseas Student Health Cover (OSHC) which is specifically designed with the needs and budgets of students in mind and come with a health insurance certificate which can be used as part of your visa application.

What if I'm on a working or graduate visa?

If you're in Australia on a working visa, our Overseas Visitors Health Covers and Overseas Students Heath Covers may not meet any visa requirements you might have. We recommend you consider purchasing one of our Overseas Workers Health Cover which meets the Australian government's health insurance requirements for working and graduate visas and come with a health insurance certificate which can be used as part of your visa application. You can purchase Overseas Workers Health Cover online.

What happens if I become a permanent resident?

If you are granted permanent residency our Overseas Health Covers may not be the most suitable cover for your needs. When your residency status changes remember to call us on 134 190 to discuss your options.

Looking for something else?

Visit our Overseas Health Cover Guides homepage to find more information and advice.

Your guide to navigating Australian healthcare

Most visitors to Australia have no access to Medicare. Like most countries in the world, health care costs in Australia can be expensive.

A visiting couple look at an iPad together

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; messaging, WeChat, in-store or by phone.

Overseas students (OSHC)

Message one of our friendly staff about your cover options.

Visitor, working and working holiday (OVHC)

Speak to one of our friendly staff for sales and policy enquiries.

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Things you should know

While we hope you find this information helpful, please note that it is general in nature. It is not health advice, and is not tailored to meet your individual health needs. You should always consult a trusted health professional before making decisions about your health care. While we have prepared the information carefully, we can’t guarantee that it is accurate, complete or up-to-date. And while we may mention goods or services provided by others, we aren’t specifically endorsing them and can’t accept responsibility for them. For these reasons we are unable to accept responsibility for any loss that may be sustained from acting on this information (subject to applicable consumer guarantees).