Medibank Comprehensive OSHC
For visa 500 (replaced visas 570-576 from 1 July 2016).
Cover that meets your student visa health insurance requirements (for all course types), while helping towards your hospital and medical needs.
Helps towards the accommodation costs and doctors, specialists, surgeons and anaesthetists fees for the hospital services below.
|What’s included:||Waiting Period|
100% cover for when you need an ambulance and your medical condition means you can’t be transported any other way.
Psychiatric treatment involves the prevention, diagnosis and treatment of a wide range of mental health conditions. Treatment must be provided at an approved psychiatric facility for benefits to be payable.
Obstetrics and pregnancy-related services
Services and treatment provided to an admitted patient in hospital that deal with the care of women during pregnancy, childbirth and following delivery. Includes regular and caesarean childbirth and in-patient diagnostic imaging, as well as treatment of pregnancy related complications.
|See all (17)|
When you’re treated in hospital by a doctor, surgeon or anaesthetist the set fee for their service is called the Medicare Benefits Schedule (MBS) fee. If the person treating you charges only the MBS fee you won’t need to pay anything. If they choose to charge above the MBS fee you will likely have to pay an out-of-pocket cost to cover the difference.
Medibank has agreements with most private hospitals and day surgeries in Australia and we call this our Members’ Choice network. When you visit a Members’ Choice hospital you will generally get better value for money (pay less of an out-of-pocket cost) compared to a non-Members’ Choice private hospital.
Helps towards treatments and health services received outside of hospital. For example: a doctor (GP or specialist).
|Treatment covered||Benefit paid|
|Treatment by a general practitioner (GP) outside of hospital||100% of the MBS fee|
|Treatment by a specialist (including x-rays & pathology) outside of hospital||85% of the MBS fee^|
When you see a doctor (GP or a specialist) in Australia there is a set fee for the consultation called the Medicare Benefits Schedule (MBS) fee. With Medibank Essentials OSHC you are covered for 100% of the MBS fee for GPs and 85% of the MBS fee for specialists. If the doctor charges above the these benefit amounts, you will need to pay something to cover the difference (an out-of-pocket cost).
^this fee is the published 85% MBS fee.
The MBS fee for item 23 (a GP visit) is $37.05. You visit a doctor that charges $50. You have Comprehensive OSHC that pays 100% of the MBS fee for GPs. This means you would get back $37.05. Your out-of-pocket cost would be $12.95.
Medication prescribed by a doctor (GP or specialist) outside of hospital
You will need to pay a set fee towards the cost of each prescription item first, before we pay any benefits. If the charge is higher than the benefit we pay, the difference will be an out-of-pocket cost.
Benefits can only be received for pharmacy items prescribed by a doctor (GP or specialist) to treat an illness, injury or condition. We don’t pay benefits for any over the counter medicines, vitamins or herbal medicines.
It's important to note that you might have to pay a significant amount of your own money if you need treatment that uses expensive pharmaceuticals (for example: cancer treatment).
Overseas Student Health Cover plus a little more
When you have Comprehensive OSHC with Medibank you have access to great services like a Medibank nurse on-call 24/7, for any health questions, big or small.
Just call 1800 644 325 at any time.
If at any time you gain access to full Medicare entitlements or your visa status changes (for example: you start move onto a temporary graduate visa), Comprehensive OSHC 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.