Medibank is now one of the Australian Government-approved insurers for the Pacific Australia Labour Mobility (PALM) scheme.

Go further with Medibank's Overseas Worker Health Cover.

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Let Medibank take care of the health insurance needs
of your workers, so you can spend more time
running your business.

We understand the administrative responsibilities involved in supporting Pacific Island and Timor-Leste workers in Australia - and health insurance is one of them.

With more than 45 years’ experience supporting people living in Australia, including extensive experience in the overseas workers market, Medibank understands the unique health and compliance needs of employers participating in the PALM scheme.

We can partner with you to deliver a suitable, visa compliant health cover solution for your PALM workforce.

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          Why Medibank?

Health cover for Pacific Australia Labour Mobility
scheme (PALM scheme) includes;

  • Dedicated account manager who understands the culture and wellbeing needs of Pacific Island and Timor-Leste workers.
  • Educational materials that explain Australia's Healthcare system
  • Flexible partnership that suits your workforce
  • Cost-effective health cover options.
  • Access to interpreter services in over 150 languages

Health cover options for your employees.

Each one includes unlimited emergency ambulance cover.^

Medibank Pacific Workers Standard Hospital and Medical

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

A cost-effective, all-round option for PALM workers that meets visa health insurance requirements (condition 8501) and pays benefits towards the cost of everyday medical services, like seeing a doctor and hospital treatment, while excluding outpatient pregnancy and birth services and assisted reproductive services.

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Hospital

Pays benefits towards accommodation and medical costs for included medical procedures in hospital. This includes charges for treatment you receive from doctors, specialists, surgeons and anaesthetists.

  • Visa condition 8501 compliant
  • Includes 37 clinical categories of hospital treatment (excl. Assisted reproductive services)
  • $0 excess

Medical

Pays benefits towards included medical services in and out of hospital.

  • Pays 100% of the MBS fee
  • Inpatient medical services across 37 clinical categories
  • General Practitioner (GP) consultations
  • Most out-of-hospital medical services (blood tests & x-rays)
  • Allied Health services billed with an MBS item number~

Extras

  • None

View details

Medibank Pacific Workers Advanced Hospital and Medical

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

Comprehensive hospital and medical cover for PALM workers that meets visa health insurance requirements (condition 8501) and pays benefits towards the cost of everyday medical care and hospital treatment, including pregnancy and birth services. With higher benefits on included medical services to help reduce out-of-pocket costs, it offers greater peace of mind while living and working in Australia.

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Hospital

Pays benefits towards accommodation and medical costs for included medical procedures in hospital. This includes charges for treatment you receive from doctors, specialists, surgeons and anaesthetists.

  • Visa condition 8501 compliant
  • Includes all 38 clinical categories of hospital treatment
  • $0 excess

Medical

Pays benefits towards included medical services in and out of hospital.

  • Pays 125% of the MBS fee
  • Inpatient medical services across all 38 clinical categories
  • General Practitioner (GP) consultations
  • All other out-of-hospital medical services (blood tests & x-rays)
  • Allied Health services billed with an MBS item number~

Extras

  • None

View details

Things you should know

Waiting periods, annual limits and out-of-pocket expenses may apply

^For ambulance attendance and transportation to a hospital where immediate professional attention is required and your medical condition is such that you couldn't be transported any other way.

~Services not provided by a doctor but are billed with an MBS item number. For example, eye checks and services related to chronic disease and mental health management plans.

More than just cover
 

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Extensive Hospital Coverage

We'll pay 100% of the overnight and same-day accommodation in a shared or private room, when you are treated as a private patient in a public or private contracted hospital for an included service.

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24/7 Medibank Nurse and Mental Health Support

Medibank health insurance members can chat to a registered nurse or mental health professional and get guidance on what they can do next. Call 1800 644 325 or chat online any time of the day or night, 7 days a week at no extra cost.&

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Online Doctor

Online Doctor is available 24/7 for Medibank Pacific Workers members via the My Medibank app, offering convenient video or phone consultations with a doctor without the need to visit a clinic in-person.+

Through this service, patients can access medical advice, obtain prescriptions, and receive medical certificates from the comfort of their own space.

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Live Better Rewards

We think you should be rewarded for looking after your health, however you enjoy doing that.

Eligible Medibank members can earn and use Live Better Points towards rewards on their membership, such as a $200 premium payment, gift cards and more.^

My Medibank App

Our app makes it easy to check your cover details and keep on top of your extras limits and waiting periods. Plus, you can find a Members’ Choice provider, make changes to your details and make a claim.

 

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Need some help?

We're here to help you choose the health cover that suits the needs of your workforce.

Approved Employers

Our friendly team can help you choose the right health cover and wellbeing programs to suit your workforce.

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PALM Members

Current members can contact our friendly staff for advice and help with queries about overseas health cover.

Ways to contact us Call 1300 981 380

Things you should know

+ Waiting times may vary depending on doctor availability.

& Some referred services may involve out of pocket costs and waiting periods may apply.

^ Must be 18 years or over and have a valid Australian residential address to register for Medibank Live Better. Must be a Medibank member with hospital cover, extras cover, or hospital and extras cover, be up-to-date with premium payments and have signed up to Medibank Live Better with ‘My Medibank’ or have linked their MyMedibank account with their Live Better account to redeem rewards. Excludes Overseas Student Health Cover (OSHC), Ambulance only cover, ahm covers and other selected covers. Additional terms and conditions may apply to the redemption of a reward depending on the type of reward chosen. See full Medibank Live Better terms.