Medibank OSHC

For visa subclass 500.

As a student of UTS you have chose from either Medibank Comprehensive OSHC or Medibank Essentials OSHC. These OSHC products meet the student visa health insurance requirements as outlined by the Department of Home Affairs (DHA).

For visa subclass 500.

As a student of UTS you have chose from either Medibank Comprehensive OSHC or Medibank Essentials OSHC. These OSHC products meet the student visa health insurance requirements as outlined by the Department of Home Affairs (DHA).

Hospital cover

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

What’s included: These are the Hospital services included under Comprehensive OSHC.

Please note: Medibank does not pay any benefits towards the cost of cosmetic surgery/procedures ie. surgery that isn’t clinically necessary and for which Medicare benefits aren’t payable.
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.

Ambulance services

100% cover for when you need an ambulance and your medical condition means you can’t be transported any other way.

Psychiatric treatment

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.
12 months For Comprehensive OSHC, this waiting period does not apply for UTS students

Appendicitis treatment

Admission to hospital for an inflamed appendix (appendicitis) for treatment to reduce or remove the pain and discomfort associated with the condition.
12 months if a pre-existing condition A pre-existing condition is an ailment, illness or condition that, in the opinion of a Medical Practitioner appointed by Medibank, the signs or symptoms of which existed at any time in the six month period prior to the day on which the member became insured under the policy or changed their cover.

Tonsils & adenoids removal

Surgery to remove tonsils and/or adenoids

Surgical removal of wisdom teeth (for hospital charges only)

Hospital accommodation charges for wisdom teeth removal in hospital (does not include doctor/dentist fees).

Shoulder and knee reconstruction surgery & investigations

Reconstructions to repair ligament tears, remove loose tissue and to treat other damage.

Heart-related medical and surgical admissions

Medical and surgical admissions intended to investigate, diagnose, monitor and/or treat heart-related conditions. May include services such as open heart and bypass surgery, and invasive cardiac investigations and procedures such as angiograms, angioplasties and stent insertions.

Plastic & reconstructive surgery

Surgery which is medically necessary to treat a physical deformity that is either acquired (through an accident, an infection or changes in body shape) or congenital (present from birth). It may include the removal of excess fat or tissue (breast reduction, abdominoplasty), correction of nose deformities, or removal of a scar – where these conditions lead to a medical condition that requires treatment. Medibank does not pay for cosmetic treatment.

Hip & knee joint replacement surgery

Surgery to replace a hip or knee joint with a prosthesis. Its aim is to relieve pain and/or increase function by replacing all or part of the joint resurface. It includes surgery after fracture as well as joint deterioration and revision of previous replacement surgery. Any prosthesis provided must be on the Federal Government’s Prostheses List? for benefits to be payable.

Renal dialysis

Treatment aimed at assisting or replacing the function of the kidneys by ensuring the appropriate balance of chemicals in the blood. It can include both haemodialysis (circulating the blood through a machine) and peritoneal dialysis (infusing and draining a sterile solution into the abdomen).

Eye surgery

Surgery to treat vision loss caused by cataracts, as well as other eye-related hospital admissions.

Rehabilitation treatment

Therapy which assists in recovery following a major health event, such as after a joint replacement or following a heart attack. It must be provided at an approved rehabilitation facility and under an approved program.

Palliative care

Health care that provides support to people with a life-limiting illness. Its aim is to comfort rather than cure and to relieve pain and distress for people who are dying. Benefits are only payable where admission to a palliative care unit in a hospital occurs.


A procedure to examine the lining of the large bowel (colon). It is used to investigate the cause of abdominal pain, bleeding, irregular bowel habits, to remove polyps or detect cancer.

Bone marrow & organ transplants

All other in-hospital services where a Medicare benefit is payable

The Medicare Benefits Schedule (MBS) lists all the medical services subsidised by the Australian government through Medicare. This includes thousands of in-hospital services that we may pay benefits towards.
Not included:

Fertility treatment

Hospital cover explained

For the services listed as included above we pay benefits towards:

Private hospital

  • Overnight accommodation in a private or shared room
  • Same day admissions
  • Intensive care
  • Operating theatre fees

  • Comprehensive OSHC only
  • Emergency department facility fees
  • Public hospital (as a private patient)

  • Overnight accommodation
  • Same day admissions
  • Outpatient and emergency department charges
  • Other hospital items we pay benefits towards:

  • Doctors' fees for in-hospital medical services
  • Surgically implanted prostheses (such as an artificial joint for a hip replacement) and other items on the Federal Government's Prostheses ListIf 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. .
  • See all (17)

    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 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.

    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 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 Medibank 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.

    View Example

    Pharmacy (prescription medicine)

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

    What we pay:


    Essentials OSHC Comprehensive OSHC
    Up to $50 per item Up to $50 per item
    $300 per person / $600 per policy $500 per person / $1000 per policy
    • We don’t pay benefits towards most oral contraceptives and medicine prescribed for cosmetic purposes.    

    More about prescription medicine

    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).

    Read more

    Further benefits

    Overseas Student Health Cover plus a little more

    Health support services

    When you have 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), Medibank 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.




    Need a little extra help? Call us on 134 148

    Overseas student health cover can be difficult to understand. Here’s some extra information to help:
    Check our list of definitions if you don’t know the meaning of a word or phrase.
    Medibank Glossary