Intermediate Visitors Health Insurance
Intermediate Visitors Health Insurance offers great value hospital, medical and extras cover for visitors to Australia.
Hospital component
What's covered?
We provide cover for the following services:
- Appendicitis treatment
- Removal of tonsils and adenoids
- Surgical extraction of wisdom teeth
- Knee reconstruction surgery and investigations
- Shoulder reconstruction surgery and investigations
- Cardio-thoracic procedures
- Obstetrics-related services
- Plastic and reconstructive surgery
- In-hospital psychiatric treatment
- In-hospital rehabilitation treatment
- Palliative care
- All services where a Medicare benefit is payable that aren’t listed as excluded below.
For the services listed above, we pay benefits towards (less any applicable hospital excess):
- Private hospital accommodation
- - Overnight accommodation in a private or shared room
- - Same day admissions
- - Intensive care
- - Theatre fees
- Public hospital accommodation as a private patient
- - Overnight accommodation in a private or shared room
- - Same day admissions (shared room only)
Note: Any charge above the benefit we pay will form part of your out-of-pocket expenses
What's not covered?
We don’t pay benefits towards the following excluded services:
- Assisted reproductive services
- Hip joint replacement surgery
- Knee joint replacement surgery
- Renal dialysis
- Major eye surgery
- Cosmetic surgery
Your hospital excess
An excess is an amount that you pay if admitted to hospital. A $300 excess applies per member per calendar year for Intermediate Visitors Health Insurance but does not apply to any child on the membership.
Important information about prescription-only pharmaceuticals
You may incur significant out-of-pocket expenses if high cost pharmaceuticals are required for your treatment when in hospital. This is because Intermediate Visitors Health Insurance only pays limited benefits for pharmaceuticals. Most international visitors to Australia are not eligible for subsidised pharmaceuticals under the Pharmaceuticals Benefits Scheme (PBS).
Pharmaceuticals used in oncology (cancer) and other treatments can be very expensive for people who do not have access to subsidised pharmaceuticals.
For more information on the PBS visit health.gov.au or Things worth knowing
Medical component
For services included under Intermediate Visitors Health Insurance, we pay benefits towards medical services that are listed under the Medicare Benefits Schedule (MBS) and provided either in or out of hospital by a doctor (e.g. general practitioner or specialist).
The Medicare Benefits Schedule lists a standard fee for most medical procedures (MBS fee). The amount of benefit you can expect to receive from us is calculated as a percentage of the MBS fee. With Intermediate Visitors Health Insurance, Medibank will pay benefits equivalent to 100% of the Medicare Benefits Schedule Fee. You will have to pay any additional cost if the doctor charges more than the benefits we pay you.
Extras component
Extras cover pays benefits towards expenses for health services and items other than those provided in a hospital or by a doctor. Such services include dental or physiotherapy, which will help you look after your general health and wellbeing.
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View the comparison table to see all the services and items for which you can claim benefits and to find out about the waiting periods, annual limits and sub-limits that apply. |
Is this cover right for you?
Intermediate Visitors Health Insurance is designed for visitors, temporary residents, residents of Norfolk Island and other residents in Australia who are not eligible for full Medicare entitlements.
If at any time you gain access to full Medicare entitlements or your visa status changes, (e.g. you are granted permanent residency), Intermediate Visitors 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 range of other covers to suit your needs.
If you are coming to Australia on a student visa our Intermediate Visitors Health Insurance will not satisfy your visa requirements. You should consider our Overseas Student Health Cover
If you are coming to Australia on a Retiree subclass 410 visa, Intermediate Visitors Health Insurance will not satisfy your visa requirements for a comprehensive private health insurance. Instead you should consider our Top Visitors Health Insurance
If you are coming to Australia as a sponsored worker and are required to purchase private health insurance to obtain a subclass 457 visa, Intermediate Visitors Health Insurance will not be suitable for your needs. Instead you should consider one of our Working Visitors Covers
Before you join it’s important that you take a look at Things worth knowing for details on things like waiting periods (including the waiting period for pre-existing ailments) and other benefit assessment information.
If you are unsure of a term or phrase used, check out our Glossary
Is this cover right for you?
