Overseas Visitor Health Insurance

For visas 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.

from

$ 57 .28 /per fortnight

Singles cover

$300 Hospital Excess

from

$ 57 28 /per fortnight
$124.5 /per month

Your hospital excess This is the amount you pay towards your hospital treatment before we pay any benefits. It's paid once per person, per calendar year. It does not apply to children on a family policy.

$300

Choose your cover type

For visas 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.

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 Overseas Visitor Health Insurance. Please note: Medibank does not pay any benefits towards the cost of cosmetic surgery/procedures e.g. 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.

Accident override^

Treatment for injuries that are the result of an Accident.
None

Ambulance services

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

Appendicitis treatment & removal of appendix

Admission to hospital for medication and possible removal of an inflamed appendix (appendicitis).
2 months (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).

Knee reconstruction surgery & investigations

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

Shoulder reconstruction surgery & investigations

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

Joint replacement surgery (excluding Hip & Knee joints)

Surgery to replace a 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 joint fracture as well as joint deterioration and revision of previous replacement surgery. Any prosthesis provided must be on the Australian Government Prostheses List for benefits to be payable.

Colonoscopy

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.

Spinal fusion

Surgery to join two vertebrae.

Weight loss surgery

Includes surgeries such as Gastric banding, Gastrectomy and Gastric bypass.

Bone marrow and organ transplants

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

The Medicare Benefits Schedule (MBS) lists all the medical services eligible to be subsidised by the Australian Government through Medicare. This includes thousands of in-hospital services.
Not included:

Heart-related admissions

Obstetrics-related services (pregnancy)

Fertility treatment (e.g. IVF and GIFT)

Hip and knee joint replacement surgery

Renal dialysis

Major eye surgery – including cataract and lens-related services

Psychiatric treatment

Palliative care

Rehabilitation treatment

Plastic and reconstructive surgery

^You are covered for Accidents, even if the service required is listed as not included.

Hospital cover explained

For the services listed above we pay benefits towards:

Private hospital

  • Overnight accommodation in a private or shared room
  • Same day admissions
  • Intensive care
  • Operating theatre fees
  • Public hospital (as a private patient)

  • Overnight accommodation in a private or shared room
  • Same day admissions
  • Other hospital items we pay benefits towards:

  • Doctors' fees for in-hospital medical services
  • Surgically implanted prostheses (such as an artificial joint for a shoulder 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 (13)

    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 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. 


    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.

    Accident Override

    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.

    Hospital excess

    This is the amount you pay towards your hospital treatment before we pay any benefits

    For example:

    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.

    No Excess for kids on family memberships

    Medical benefits

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

    Medical (out-of-hospital)

    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.

    For example:

    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.

    View Example

    Further benefits

    Overseas visitors health cover plus a little more

    Health support services

    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 your situation changes

    f 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.

    Need a little extra help?

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