Working Visa Hospital & Medical Insurance

For visas 457, 485, 188, 400-403, 416, 417, 420, 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.


$ 99 .80 /per fortnight

Singles cover

$300 Hospital Excess


$ 99 80 /per fortnight
$217.00 /per month

Your hospital excess


Choose your cover type

For visas 457, 485, 188, 400-403, 416, 417, 420, 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.

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 Working Visa Hospital & 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. 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.

Ambulance services

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

Psychiatric treatment

Psychiatric treatment involves the diagnosis and treatment of a wide range of mental health conditions. Treatment must be provided at an approved psychiatric facility for benefits to be payable.
2 months

Rehabilitation treatment

Therapy that assists in recovery following a major health event, such as after a joint replacement or following a heart attack. It must be provided at an approved rehabilitation facility and under an approved program.

Palliative care

Health care that provides support to people with a life-limiting illness. Its aim is to comfort rather than cure and to relieve pain and distress for people who are dying. Benefits are only payable where admission to a palliative care unit in a hospital occurs.

Obstetrics-related services

Services and treatment provided to an admitted patient in hospital that deal with the care of women during pregnancy, childbirth and following delivery. Includes regular and caesarean childbirth and in-patient diagnostic imaging, as well as treatment of pregnancy related complications.
12 months

Appendicitis treatment

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

Shoulder and knee reconstruction surgery & investigations

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

Heart-related admissions

Medical and surgical admissions intended to investigate, diagnose, monitor and/or treat heart-related conditions. May include services such as open heart and bypass surgery, and invasive cardiac investigations and procedures such as angiograms, angioplasties and stent insertions.

Plastic & reconstructive surgery

Surgery which is medically necessary to treat a physical deformity that is either acquired (through an accident, an infection or changes in body shape) or congenital (present from birth). Medibank does not pay for cosmetic treatment that is not considered medically necessary.

Fertility treatment

Treatment provided to an admitted patient in hospital to assist with becoming pregnant. Includes the retrieval and implantation of eggs and collection of semen. In Vitro Fertilisation (IVF) treatment and Gamete Intra Fallopian Transfer (GIFT) are two of the most common procedures.

Hip & knee joint replacement surgery

Surgery to replace a hip or knee 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.

Renal dialysis

Treatment aimed at assisting or replacing the function of the kidneys by ensuring the appropriate balance of chemicals in the blood. It can include both haemodialysis (circulating the blood through a machine) and peritoneal dialysis (infusing and draining a sterile solution into the abdomen).

Major eye surgery

Surgery to treat vision loss caused by cataracts, as well as other eye-related hospital admissions.


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.

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 that we may pay benefits towards.

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
  • Emergency department facility fees (if the service leads to an admission or it is continuation of care following an admission)
  • Other hospital items we pay benefits towards:

  • Doctors' fees for in-hospital medical services
  • Surgically implanted prostheses (such as an artificial joint for a hip 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. .
  • Pharmaceutical Benefits Scheme (PBSThe PBS provides subsidised prescription drugs to residents of Australia, as well as certain foreign visitors covered by a Reciprocal Health Care Agreement. ) medication prescribed to you as part of your admitted treatment for most medical conditions, including medication prescribed for after you leave hospital.
  • See all (18)

    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 accomodation 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.

    No Excess for kids on family memberships

    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 Top 85 Working Visa Health 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 $37.05. 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 $47.15. Your out-of-pocket cost would be $2.85.


    View Example

    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.


    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.

    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