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Working Visa Hospital & Medical Insurance

For visas 482, 485, 188, 400, 403, 407, 408, 417, 462, 489 and more.

Our most comprehensive overseas health cover without extras. Choose your in-hospital doctor and reduce expenses for GP (doctor) visits, x-rays and blood tests.

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Show price after April 1

An excess is the amount you pay before Medibank contributes to your hospital costs.

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An excess is the amount you pay before Medibank contributes to your hospital costs.

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
2 months
2 months
2 months
12 months
12 months

(for pre-existing condition)

12 months

(for pre-existing condition)

12 months

(for pre-existing condition)

12 months

(for pre-existing condition)

12 months

(for pre-existing condition)

12 months

(for pre-existing condition)

12 months

(for pre-existing condition)

12 months

(for pre-existing condition)

12 months

(for pre-existing condition)

12 months

(for pre-existing condition)

12 months

(for pre-existing condition)

12 months

(for pre-existing condition)

12 months

(for pre-existing condition)

Hospital cover explained

The table above shows the hospital services included under Working Visa Hospital and Medical 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.

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.

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 accommodation costs before Medibank will pay any benefits.

With Working Visa Hospital & Medical you have a $300 excess. This amount is payable once per member, per calendar year if admitted to hospital.

The excess does not apply for any children on your membership.

Medical benefits

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 Working Visa Hospital & Medical Insurance you are covered for at least 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 you might have to pay something to cover the difference (an 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 Working Visa Hospital & Medical Insurance that pays over 100% of the MBS fee for item 23. You would pay $50, get back $47.85. Your out-of-pocket cost would be $2.15.

Further benefits

Overseas 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.

Repatriation

If someone on your membership has to return to your home country due to a substantial life-altering illness or injury, Medibank may arrange and pay the reasonable cost of return travel with the appropriate medical supervision. Conditions apply, for further information please contact us

If your situation changes

If at any time you gain access to full Medicare entitlements or your work visa status changes (e.g. you are granted permanent residency), Working Visa Hospital & Medical 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.
**The PBS provides subsidised prescription drugs to residents of Australia, as well as certain foreign visitors covered by a Reciprocal Health Care Agreement.