Overseas Visitor Health Insurance
For visa subclass 600, 601, 651 and more.
For those visiting Australia who are fit and healthy, but want the peace of mind of being covered 'just in case' the unexpected occurs.
Helps towards the accommodation costs and doctors, specialists, surgeons and anaesthetists fees for the hospital services below.
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 have to pay an out-of-pocket cost to cover the difference.
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.
Overseas Visitor Health Insurance includes Accident Override. This means that an excluded service will be treated as an included service where you require hospital treatment as the result of an Accident. This ensures that you have peace of mind against the unexpected and can focus on enjoying your Australian adventure.
What is an accident?
An unforeseen event, occurring by chance and caused by an external force or object, resulting in involuntary injury to the body requiring immediate treatment.
Accident does not include any unforeseen conditions the onset of which is due to medical causes nor does it include pre-existing conditions, falling pregnant or accidents arising from surgical procedures. Condition means a state of health for which treatment is sought.
This is the amount you pay towards your hospital treatment before we pay any benefits
You have an excess of $300. You'd need to pay $300 towards your accomodation costs before Medibank will pay any benefits.
With Overseas Visitor Health Insurance you have a $300 excess. This means you pay $300 before we pay anything towards your hospital costs. The amount is payable once per member, per calendar year.
The excess does not apply for any children on your membership.
Helps towards treatments and health services received outside of hospital. For example: a doctor (GP or specialist).
When you see a doctor (GP or specialist) in Australia there is a set fee for the consultation called the Medicare Benefits Schedule (MBS) fee. With Overseas Visitor Health Insurance you are covered for 100% of the MBS fee. This means if a doctor only charges the MBS fee you won’t need to pay anything. If they choose to charge above the MBS fee, the difference will be your out-of-pocket cost.
The MBS fee for item 23 (a GP visit) is $37.05. You visit a doctor that charges $50. You have Overseas Visitor Health Insurance that pays 100% of the MBS fee. You would get back $37.05. Your out-of-pocket cost would be $12.95.
Overseas visitors health cover plus a little more
When you have hospital cover with Medibank you have access to great services like a Medibank nurse on-call 24/7, for any health questions, big or small.
If at any time you gain access to full Medicare entitlements or if your visa status changes (for example: you are granted permanent residency), Overseas Visitor Health Insurance 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.