Top Working Visa Health Insurance
Medibank Top Working Visa Health Insurance is only available to people who are in Australia on certain working-type visas approved by Medibank.
This includes the following visa sub classes:
- 411 Exchange
- 419 Visiting Academic
- 420 Entertainment
- 422 Medical Practitioner
- 442 Occupational Trainee
- 456 Business Short Stay
- 457 Temporary Business Long Stay (if you are required to purchase private health insurance to obtain a subclass 457 visa, Top Working Visa Health Insurance will satisfy this requirement)
- 470 Professional Development
If you are in Australia on a working-type visa but your visa sub class is not mentioned here, you can call us on 132 331 (or +61 3 8622 5780 if you are calling from outside Australia) or visit a Medibank store to find out if you are eligible for a Working Visitors Cover.
For more information, see Is this cover right for me?
Hospital component
What's covered?
We cover all services where a Medicare benefit is payable, including:
- 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
- Assisted reproductive services
- Hip joint replacement surgery
- Knee joint replacement surgery
- Renal dialysis
- Major eye surgery
- In-hospital psychiatric treatment
- In-hospital rehabilitation treatment
- Palliative care
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)
- Pharmaceutical Benefits Scheme (PBS) listed drugs, prescribed according to PBS approved indications, that are administered during and form part of your admitted episode of care (including drugs prescribed upon discharge)
Note: Any charge above the benefit we pay will form part of your out-of-pocket expenses
Your hospital excess
Your excess is an amount that you pay if admitted to hospital. With Top Working Visa Health Insurance you have the option to select an excess in exchange for lower premiums. If you select the excess option a $300 excess will apply per member per calendar year but will not apply to any child on the membership.
Medical component
Top Working Visa Health Insurance provides benefits towards medical services, either in or out of hospital, that are listed under the Medicare Benefits Schedule (MBS) and provided 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.
Generally you will receive higher medical benefits than the benefits paid to a permanent Australian resident under Medicare. However, you will have to pay any additional cost if the doctor charges you more than the benefit we pay you.
Important information about prescription-only pharmaceuticals
Most international visitors to Australia are not eligible for subsidised pharmaceuticals under the Pharmaceutical Benefits Scheme (PBS). Under our Top Working Visa Health Insurance we’ll pay you benefits that are equal to the PBS government subsidy in excess of your patient contribution. If high cost pharmaceuticals are required for your treatment when in hospital, you may incur significant out-of-pocket expenses.
For more information on the PBS visit www.health.gov.au or Things worth knowing
Extras cover
The extras component of Top Working Visa Health Insurance helps cover the cost of what we call everyday health services, such as trips to the dentist, optical items and physiotherapy.
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View the Extras 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. |
Additional service – repatriation benefit
If you or any other member included on your membership has to be repatriated 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. And in the event of death, your mortal remains or those of any other member on your membership may be repatriated to your home country if legally permissible. The provision of any repatriation benefit is at the discretion of Medibank. Conditions apply, for further information call us on 132 331.
Top Working Visa Health Insurance is designed for international visitors who are in Australia for business purposes or who are sponsored by an emplyer and are not eligible for full Medicate entitlements. It helps cover the cost of hospital treatment, medical services (both in and out of hospital) and extras services.
Having "adequate arrangements for health insurance" is a mandatory condition of subclass 457 visas granted from 14 September 2009. This means that most subclass 457 visa applicants will be required to purchase a certain level of private health insurance for themselves and their dependants for the duration of their visa. Top Working Visa Health Insurance satisfies the requirements for subclass 457 visa applicants/holders.
Note: Subclass 457 visa applicants who propose to remain in Australia for less than 3 months or who are adequately covered by reciprocal health care agreements may not be required to take out private health insurance. For more information, visit the Department of Immigration and Citizenship website at www.immi.gov.au
If at any time you gain access to full Medicare entitlements or your work visa status changes (e.g. you are granted permanent residency), Top 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 range of other covers to suit your needs.
If you are coming to Australia on a student visa Top Working Visa Health Insurance will not satisfy your visa requirements. You should consider our Overseas Student Health Cover
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?
