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Top 85 Working Visa Health Insurance

For visas 482, 485, 188, 400, 403, 417, 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.

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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. Choosing the higher excess reduces the premiums you pay.

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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. Choosing the higher excess reduces the premiums you pay.

Hospital cover

Helps towards the accommodation costs and doctors, specialists, surgeons and anaesthetists fees for the hospital services below.

From 1st April, some natural therapy services will be removed from all Medibank products. Click here to find out more.

 

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).

Icon help
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 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.

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.

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 $37.60. 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 $47.85. Your out-of-pocket cost would be $2.15.

Extras cover

  • Help pay towards a wide range of services, including more costly ones, like major dental, orthodontics and hearing aids
  • 100% back on up to two dental check-ups every year (including x-rays) at any Members’ Choice Advantage dentist1, OR
  • 100% back on an annual dental check-up & clean at any Members' Choice dentist, on top of your annual limit (excludes x-rays)2

From 1st April, some natural therapy services will be removed from all Medibank products. Click here to find out more.

What's Included

These are the extras services included under Top 85 Working Visa Health Insurance.

(12 months for surgical dental procedures)
Inclusions Annual Limit Icon help Waiting Period Icon help
Claim back percentage:# 85%
Claim back percentage:#
Unlimited 2 months Icon help
$1200 12 months
$1,000 opening balance. Top up of $500 per year, up to $3,000 lifetime limit. 12 months
$250 6 months
$500 Nil
$700 2 months
$400 2 months
$500 2 months
$500 2 months
$500 2 months
$500 2 months
$500 2 months
$500 2 months
$500 2 months
$600 2 months
$250 12 months
24 months
$1200 36 months

This is the maximum amount of benefits payable towards services, items or groups of services and/or items in a calendar year.

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.

# 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. Excludes Optical which pays 100% back (subject to your annual limit) at all recognised providers. ~ Some items and services may require a Referral Letter and may have a benefit replacement period. Please see the Cover Summary or Member Guide for more information.

Extras cover explained

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.

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
  • 100% back on up to two dental check-ups every year (including x-rays) at any Members’ Choice Advantage dentist1, OR
  • 100% back on an annual dental check-up & clean at any Members' Choice dentist, on top of your annual limit (excludes x-rays)2
  • 85%* back with Top 85 Working Visa Health Insurance
  • Discounts at optical retailers and for orthotics
  • 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).

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.

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.

+Excludes optical providers

^Subject to your annual limits and waiting periods.

1 Members can claim a maximum of two 100% back dental check-ups per member, per year—either two check-ups at a Members’ Choice Advantage dentist (including up to two bitewing x-rays per check-up where required), or a first check-up at a Members’ Choice dentist (excluding x-rays) and a second check-up at a Members’ Choice Advantage dentist. These check-ups do not count towards annual limits. Waiting periods apply. Not available in all areas. 

2 Limited to two dental check-ups on all extras annually. Maximum two bitewing x-rays per check-up, where clinically needed. Waiting periods apply. Not available in all areas.~ Excludes optical providers.

*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.