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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.

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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.

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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.

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).

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Nil
Nil
2 months

(12 months for pre-existing condition)

2 months

(12 months for pre-existing condition)

2 months

(12 months for pre-existing condition)

2 months

(12 months for pre-existing condition)

2 months

(12 months for pre-existing condition)

2 months

(12 months for pre-existing condition)

2 months

(12 months for pre-existing condition)

2 months

(12 months for pre-existing condition)

2 months

(12 months for pre-existing condition)

2 months

(12 months for pre-existing condition)

Exclusions

^You are covered for treatment for injuries sustained in an Accident, even if the service required is listed as an Exclusions.

Hospital cover explained

For the services listed in the Inclusions 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 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 choose 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.

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 $37.60. You visit a doctor that charges $50. You have Overseas Visitor Health Insurance that pays 100% of the MBS fee. You would get back $37.60. Your out-of-pocket cost would be $12.40.

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

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.

Supporting documents

 

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.