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Medibank Comprehensive OSHC

For visa subclass 500.

Cover that meets your student visa health insurance requirements (for all course types), helps towards your hospital and medical needs as well as providing a higher pharmacy limit than Essentials OSHC.

This product is only available through selected universities and schools. Check with your institution to see if you are eligible for this cover.

Hospital cover

Helps towards the accommodation costs and doctors, specialists, surgeons and anaesthetists fees for the hospital 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).

Icon help
Nil
Nil
12 months
12 months

(for pre-existing condition)

12 months

(for pre-existing condition)

12 months

(for pre-existing condition)

12 months

(for pre-existing condition)

12 months

(for pre-existing condition)

12 months

(for pre-existing condition)

12 months

(for pre-existing condition)

12 months

(for pre-existing condition)

12 months

(for pre-existing condition)

12 months

(for pre-existing condition)

12 months

(for pre-existing condition)

12 months

(for pre-existing condition)

12 months

(for pre-existing condition)

12 months

(for pre-existing condition)

Exclusions

Hospital cover explained

For the services listed as Inclusions in the table above we pay benefits towards:

Hospital benefits

In-hospital medical

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'll be covered for the full cost of the service. If they choose to charge above the MBS fee you will have to pay an out-of-pocket cost to cover the difference.

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 (pay less of an out-of-pocket cost) compared to a non-Members’ Choice private hospital.

Medical benefits

Helps towards treatments and health services received outside of hospital. For example: a doctor (GP or specialist).

Medical (out-of-hospital)
 

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 Comprehensive 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

For example:

The MBS fee for item 23 (a GP visit) is $37.60. You visit a doctor that charges $50. You have Comprehensive OSHC that pays 100% of the MBS fee for GP consultations. This means you would get back $37.60. Your out-of-pocket cost would be $12.40.

Pharmacy (prescription medicine)

Medication prescribed by a doctor (GP or specialist) outside of hospital.

You will need to pay a set fee (known as a co-payment) 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.

How it can help you:

Co-payment Amount
$30.00
Per item benefit
Up to 100% of the cost
Annual limits

$500 per person for Singles.

$1,000 per policy for Couples/Families (up to $500 per person)

  • 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 towards most oral contraceptives and medicine prescribed for cosmetic purposes
  • 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).

Further benefits

Overseas Student Health Cover plus a little more

Health support services

When you have Comprehensive OSHC with Medibank you have access to a 24 hour, 7 days a week Student Health and Support Line, which includes:

  • Medical assistance from a registered nurse;
  • Counselling services;
  • Emergency Legal advice;
  • Travel document assistance;
  • Health system guide;
  • Family and friends message service;
  • Living in Australia support; and
  • Interpreter services

Just call 1800 887 283 at any time.

If your situation changes

If at any time you gain access to full Medicare entitlements or your visa status changes (for example: you 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.

Supporting documents

 

Direct Billing

Direct billing means the doctor will bill Medibank directly for your consultation. Please note, there may be some costs that are not covered by Medibank, which you will have to pay out of your own pocket.

Direct billing centres

Need a little extra help?

Find out more about things liks waiting periods and pre-existing conditions or check our list of definitions if you don't know the meaning of a word or phrase

^^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.