Medibank are an integrated healthcare company that provides private health insurance and health solutions including Overseas Student Health Cover. Medibank has more than 45 years of experience and is committed to the health and wellbeing of their customers.

General Overview of Medibank Overseas Visitor Health Cover

Why choose Medibank?

For visa subclass 482, 485, 403, 407, 408, 489 and more. Coming to Australia to work? Or moving onto a graduate visa looking for your first job here? Medibank’s range of overseas workers health covers can meet your visa health insurance requirements, while helping with the cost of medical treatment if you have an accident or get sick.

What visas does Medibank OVHC provide cover for?

Medibank OVHC includes cover for:

What are the benefits of joining Medibank for OVHC?

The following are benefits of joining Medibank for your OVHC:

  • 24/7 Medibank Nurse and Mental Health Service
  • Visa compliant cover
  • Protect against the unexpected – unlimited emergency ambulance services Australia-wide
What OVHC options does Medibank have?

Medibank has four types of cover for overseas visitors:

  1. Overseas Workers Base Hospital
  2. Overseas Workers Standard Hospital and Medical
  3. Overseas Workers Advanced Hospital and Medical
  4. Overseas Workers Premium Hospital, Medical and Extras

Medibank Overseas Visitor Health Cover

Health Insurance BenefitsMedibank
Visa Compliance
Meets government requirements
Instant visa letter
Out of Hospital Treatment
Doctor Servicesx
Antenatal, postnatal and psychiatric benefitsx
Prescription medicinesx
Hospital Types Covered
Public hospitals
Private hospitals - agreement
Private hospitals - non-agreementMinimum benefits
In Hospital Inclusions
Excess$500 per year per person
Public and Agreement
Prescription Medicines (in hospital)
Public and Agreement
Surgical implanted prosthesis
Public and Agreement
Accident and emergency services
Public Only
Doctor services
100% of MBS
In Hospital Specific Services
Pregnancy and related services
Psychiatric or palliative care
Gastric Banding
Bone marrow and organ transplant
IVF and Assisted repoductive services
Cosmetic surgeryx
Emergency ambulance services
Gap schemex
Repatriation to home country
Waiting Periods
In-patient psychiatric, rehabilitation and palliative care2 months
Pre-existing conditions12 months
Pregnancy and related services12 months
Out of hospital prescription medicinesx


Can I buy my OVHC before I arrive in Australia?

Yes. You can buy Medibank OVHC directly online.

When does my Medibank OVHC start?

When you buy your Medibank OVHC online, you become a member from the date of your arrival in Australia. However, if you do not pay your OVHC premium before your date of arrival, your commencement date will be the date your OVHC premium is first paid.

If you purchase your Medibank OVHC while you are already in Australia, it will start on the day you join.

What does the Medibank OVHC not cover?

Medibank OVHC does not cover the following under the insurance policy:

  • Cosmetic treatment
  • Podiatric surgery performed by a non-registered podiatric surgeon
  • Treatment not considered medically necessary i.e. health screening services required for employment or visa renewal
  • Surgically implanted prostheses and other items not included on the government’s Prostheses List
  • Same-day procedures as not requiring hospitalisation
  • Where a provider charges for two or more consultations on the same day
  • Optical items and ancillary services such as dental or physiotherapy
  • Transportation into or out of Australia

Note: This is not a complete list of exclusions. Please ensure you conduct independent research prior to taking out OSHC. 

How can I make an OVHC claim with Medibank?

To make an OVHC claim with Medibank, there are three options:

  • Direct billing for Medibank benefit providers
  • By Post
  • At a Medibank store
  • Online via Medibank website or Medibank OSHC app

Book an appointment today for a commitment free briefing with our Registered Migration Agents to find more about your visa options.