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Reasons to keep your health cover
At Medibank we are investing in health initiatives that will give you plenty of value from your cover year-round and plenty of reasons to keep your overseas visitor health cover while your Australian experience continues into 2020 and beyond.
24/7 Medibank Nurse phone service
Health concerns keeping you up at night? Members with hospital cover are supported by Medibank nurses on our 24/7 Medibank Nurse phone support line.~
Medibank Mental Health Phone Support
Members with hospital cover can talk with a mental health professional over the phone in relation to any mental health or emotional concern, 24 hours a day 7 days a week.~
Peace of mind if the unexpected occurs
Your cover includes everyday hospital services such as joint reconstructions, gynaecology, ear, nose and throat services, and digestive system treatments.* It also includes medical services, such as seeing a GP, blood tests and x-rays plus unlimited emergency ambulance services, Australia-wide.*^
Are you on the right cover?
If your visa status or health cover needs have changed recently, it might be time to review your cover. You can talk with one of our customer service experts for any health cover related questions via 24/7 online chat. We’re also available over the phone on 132 331 and across our large store network.
Pathway to Permanent Residence for Retirees
If you’ve been living in Australia as a retiree, you may now be eligible to apply for Permanent Residence in Australia.
If you become a permanent Australian resident, or otherwise become entitled to full Medicare benefits, your cover may no longer be appropriate and you should contact us to discuss moving to an Australian resident cover.
You can find out more about the pathway to Permanent Residence for Retirees.
The My Medibank App.
We’ve made it simpler for most members to stay on top of their cover with the My Medibank App. Use the app to submit a claim for GP visits and other common medical services, update your details, check your limits and see what your cover includes, from your mobile, anywhere, anytime.1
Download now: Google Play or Apple App Store.
Why premiums are reviewed annually
Reviewing premiums each year allows us to keep up with rising healthcare costs. This means we can continue to provide you with affordable access to Australia’s high quality healthcare system during your time here.
Frequently asked questions
No. Unlike the premium changes affecting Australian resident covers, health insurers set the premiums for Overseas Health Covers themselves based on the cost of offering the product.
Yes, members can prepay their premium up to 12 months at any time. Members can also 'lock in' their premium at their 2019 rate by prepaying prior to 31 March 2020 (ie. before the 1 April premium change).
We'll let you know of any changes to your premium by email or mail as soon as possible. You'll pay the new premium when you make your next payment from 1 April 2020. Don't forget that you can choose how often you pay your premium: fortnightly, monthly, quarterly, half-yearly or yearly.
We have many products that pay towards various health services and treatments. Because the types of claims being made by members are different at each level of cover, this requires different premium rates be applied to cover the cost.
Although insurers who offer Overseas Health Covers can change their rates at any time of the year, generally premium changes align with the Australian resident cover premium review period.
Premium changes reflect the cost of providing health services to all members on the same level of cover, not the costs at an individual member level.
The industry average figure only relates to Australian resident covers, not to Overseas Health Covers.
Changes to premiums depend on factors like the general product claiming patterns of members and new technology or legislative changes and associated costs. Members who have Overseas Health Covers are typically not Australian residents, and generally do not have their treatments subsidised by Medicare, so the premiums on Overseas Health Covers reflect the full cost to insurers providing cover to members.
This really depends on the state of the Australian healthcare at any given time. So, we can't say that premiums won't go up in the future, but we're working hard to keep both premiums down as much as we can and deliver more value back to our members.
That depends on the cost of providing services to members of our Overseas Health Covers at any given time. As medical costs are generally on the rise, we must review our premiums to ensure our Overseas Health Covers remain sustainable and will meet the needs and claiming pattern of members.
Things you should know
~ OSHC members should call the 24/7 Student Health & Support Line on 1800 887 283.
* Waiting periods and out-of-pocket expenses may apply.
^ For ambulance attendance or transportation to a hospital where immediate medical attention is required and your condition is such that you couldn’t be transported any other way.
1 Claims for some types of services/items excluded.
Have questions?
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