Making the most of your Overseas Health Cover with Members' Choice

Medibank’s Members’ Choice network can help you get better value from your Overseas Health Cover.

Everyone loves getting great value, so we created the Members’ Choice network to help you get extra value from your overseas health cover.

When you’re going to be admitted for a hospital treatment or surgery, you may want to find out if your doctor works out of a Members’ Choice Hospital. 

And when you’re using your extras, double-check that you've chosen a Members' Choice provider as you generally get better value compared to non-Members' Choice providers. The extras network includes dentists, physios, chiros, podiatrists, optical retailers and more.

Members’ Choice Hospitals 

We have arrangements with most private hospitals and day surgeries in Australia, known as Members' Choice hospitals. Choosing a Members' Choice hospital will generally reduce your out-of-pocket expenses compared to a non-Members' Choice private hospital, because the amount you can be charged for the hospital admission is limited. This is as long as the service you receive is covered by our agreement with the hospital and is not Excluded under your cover. Getting your treatment at a private hospital outside the Members’ Choice network could mean higher out-of-pocket expenses.

You may still have to pay for any services or treatments that aren’t Included in your cover, any excess that applies to your policy, for any medications that aren’t covered under our agreement with the hospital, medical out-of-pocket expenses associated with your procedure or treatment in hospital, and for any gap payments that apply to prosthetics. 

If you hold Medibank Overseas Visitor or Working Visa Health cover, you can check to see which hospitals and day surgeries are in our Members' Choice network online, or give us a call on 132 331. Alternatively, if you hold Medibank OSHC, you can call us on 134 148 or check for your nearest Members' Choice hospital or day surgery here.

Members’ Choice providers 

Although most Overseas Health Covers do not include extras cover, (excluding Top 85 Working Visa health cover), if you have purchased extras cover in addition to your overseas health cover, you can take advantage of our network of Members' Choice providers. Whether you’re looking to have your annual dental check-up, to get a new pair of glasses or to have a remedial massage or get in a physio session, using a Members’ Choice provider is the key to getting more from your cover*.

Choosing a Members’ Choice provider for your extras generally means that you’ll pay less in out-of-pockets costs than you would if you used a provider outside our network. Most prices charged are capped, so you can find out how much you will have to pay upfront.

Members with eligible extras cover can get 100% back on up to two dental check-ups at a Members’ Choice Advantage dentist every calendar year, including x-rays (if clinically required).^

Our Members’ Choice network is another way that Medibank is helping you to be better. You need to know that our agreements with Members’ Choice providers are subject to change without notice. Make sure that you double-check that you’ve chosen a Members’ Choice provider before making an appointment or having treatment. Also be sure to check your cover for any limits and waiting periods.

^ Eligible members on Medibank extras (excluding Healthy Living Extras and Gold Ultra Health) can claim a maximum of two 100% back dental check-ups per member, per year at a Members’ Choice Advantage provider (including bitewing x-rays where clinically required). For members on eligible extras, the first two check-ups do not count towards your annual limit. Members with Healthy Living Extras can get 100% back on one dental check-up each year at a Members’ Choice Advantage provider (including up to two bitewing x-rays, where clinically required) or at a Members’ Choice provider (excluding x-rays). Members with Gold Ultra Health can get 100% back on up to three dental check-ups at a Members’ Choice or Members’ Choice Advantage provider. Members’ Choice and Members’ Choice Advantage providers are not available in all areas. Two month waiting period applies.Some products may have other dental benefits, check your cover summary for details.

* Up to annual limits, waiting periods apply. Excludes some items.

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.

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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; 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)

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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).