Top 85 Working Visa Health Insurance

For visas 457, 485, 188, 400-403, 416, 417,420, 462, 489 and more.

Our only overseas health cover with extras. Ideal for families. It has comprehensive hospital and medical benefits, and pays 85%* at Members' Choice providers towards the cost of extras like dental and physiotherapy.

from

$ 134 .28 /per fortnight

Singles cover

No Excess

from

$ 134 28 /per fortnight
$291.9 /per month

Choose 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. Choosing the higher excess reduces the premiums you pay.

Choose your cover type

For visas 457, 485, 188, 400-403, 416, 417,420, 462, 489 and more.

Our only overseas health cover with extras. Ideal for families. It has comprehensive hospital and medical benefits, and pays 85%* at Members' Choice providers towards the cost of extras like dental and physiotherapy.

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 Top 85 Working Visa 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.

Ambulance services

100% cover for when you need an ambulance and your medical condition means you can’t be transported any other way.
None

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.

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.

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.

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 a 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.
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    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 choose an excess of $300. You'd need to pay $300 towards your accomodation costs before Medibank will pay any benefits.


    With Top 85 Working Visa Health Insurance you can choose a $0 excess or a $300 excess. If you choose the $300 excess you will pay a lower premium. This amount is payable once per member, per calendar year if admitted to hospital.

    If you choose an excess, it 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 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 Top 85 Working Visa Health 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

    Extras cover

    Extras cover gives you money back for everyday treatments like dental, physiotherapy, optical and more.

    What’s included These are the extras services included under Top 85 Working Visa Health Insurance. Please note: Benefits are only payable for Extras services provided by recognised providers. You might need to wait for a period of time from the date of purchase of some items before you are entitled to another benefit to replace the item (benefit replacement period). Additional restrictions may apply to the payment of benefits for some services. Annual limit This is the maximum amount of benefits payable towards services, items or groups of services and/or items in a calendar year. 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. For example: if you went to see a chiropractor while you were still serving a waiting period, you wouldn’t be able to claim for that service once you were out of your waiting period.

    General dental (routine care)#

    Includes examinations, preventative treatment, scale and clean, extractions, fillings, x-rays, and surgery to remove wisdom teeth.
    Unlimited 2 months (12 months for surgical dental procedures)

    Major dental#

    Includes services such as root canal, periodontics, crowns, dentures, bridges and veneers.
    $1200 12 months

    Orthodontics

    Orthodontics aims to assist with the correction and alignment of the teeth and jaw. We pay benefits towards braces.
    $1,000 opening balance. Top up of $500 per year, up to $3,000 lifetime limit.

    Optical#

    100% back on eligible items up to annual limits at all recognised providers. Includes prescription glasses and contact lenses.
    $250 6 months

    Physiotherapy#

    Includes one-on-one and group consultations, clinical pilates, antenatal and hydrotherapy sessions.
    $700 2 months

    Natural therapies

    Consultations for naturopathy#, acupuncture#, remedial massage,# reflexology, kinesiology, Chinese medicine, western herbalism, exercise physiology, shiatsu, aromatherapy, homeopathy, Bowen therapy, Alexander technique and Feldenkrais.
    $400

    Chiropractic#& Osteopathy

    Benefits towards consultations with a chiropractor or osteopath.
    $500

    Podiatry#

    PPodiatry is the diagnosis, treatment and prevention of conditions affecting the toe, foot and ankle in order to help maintain good foot hygiene and posture. We pay benefits towards consultations and approved orthotics.
    $500

    Dietetics

    Dietetics involves using nutritional principles to promote good health through proper eating and development of modified diets. We pay benefits towards consultations with a recognised dietitian or nutritionist only.
    $500

    Speech therapy

    Benefits towards consultations with a recognised speech therapist.
    $500

    Psychology

    Psychology focuses on the diagnosis and treatment of behavioural and mental health conditions such as depression, anxiety and phobias, as well as personality disorders such as Obsessive Compulsive Disorder (OCD) and other behavioural problems. Benefits are paid towards consultations with a recognised psychologist only.
    $500

    Health appliances & external prostheses

    Includes insulin delivery pens, pressure therapy garments, braces, splints, orthoses, post-mastectomy brassieres and external mammary prostheses/breast forms.
    $500

    Occupational therapy

    Occupational therapy assists with the development or recovery of core physical, mental and developmental abilities. Benefits are paid towards consultations with a recognised occupational therapist.
    $500

    Eye therapy

    The study and treatment of vision problems resulting from defects in the eye muscles (such as a squint or a lazy eye) or faulty visual habits. It is used to treat eye strain, visually-induced headaches and people who are cross-eyed or experience double vision. Therapy involves eye exercises and treatment designed to correct the alignment of the eyes. Benefits are paid towards consultations with a recognised orthoptist (eye therapist).
    $500

    Prescription pharmaceuticals (non PBS)

    Benefits for medication prescribed outside of hospital (by a GP or specialist). Benefit will be paid after a set charge has been deducted. Does not include most oral contraceptives or medicines prescribed for cosmetic purposes.
    $600

    Breathing appliances

    Peak flow meters, nebulisers and spacing devices only.
    $250 12 months

    Blood glucose monitors & blood pressure monitors

    100% back up to your annual limit when you purchase a monitor.
    24 months

    Hearing aids

    Benefits towards the cost of a hearing aid.
    $1,200 36 months

    # Medibank Members' Choice providers are available for these services. This means you'll receive 85% back when you visit one (subject to your annual limit). Members' Choice providers are not available in all areas.

    Extras cover explained

    Benefits

    This is the amount of money we contribute towards the cost of a service included in your cover. You might still have to pay some of your own money towards the cost (this is called an out-of-pocket expense).

    Members’ Choice providers

    If you visit a Members’ Choice provider when you receive treatment like dental, physiotherapy, or optical you are likely to pay less of your own money. It is one of the largest health provider networks in Australia and includes more than 12,000 provider locations. We’ve set maximum prices that these providers can charge~, so you’ll know what to expect when the bill arrives.

    Some of the benefits of Members’ Choice:

  • 100%^ back on a range of glasses or contact lenses
  • A free dental check-up and clean (excludes x-rays) per person, per calendar year
  • Discounts at optical retailers and for orthotics
  • 85%* back with Top 85 Working Visa Health Insurance
  • Lower out-of-pocket costs (generally) than non-Members’ Choice providers.
  • Non Members’ Choice providers

    If an extras provider isn’t part of our Members’ Choice network don’t worry, as long as they’re a Medibank recognised provider you can still receive benefits. We’ll pay a set benefit for each service or item (up to your limits). This will likely be less than the provider charges, which means you’ll have to pay some of your own money (an out-of-pocket cost).

    See all (18)

    Further benefits

    Working visa 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 if your visa status changes (e.g. you are granted permanent residency), Top 85 Working Visa 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

    *Only at Members’ Choice providers. Up to annual limits. Members’ Choice providers are not available in some areas – ask us for details. Waiting periods apply including 12 months for some dental services. ^Subject to your annual limits and waiting periods. ~ Excludes optical providers.