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Working Holiday Maker Covers

For visa subclass 417 and 462. Taking a working holiday in Australia? Medibank have a range of covers that can help with the cost of medical treatment if you have an accident or get sick, as well as more comprehensive covers designed to meet any visa health insurance requirements you might have.

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You have a range of health covers to choose from

Each one includes unlimited emergency ambulance cover.^?Plus, if you purchase a condition 8501 compliant cover online, you’ll get your visa health insurance certificate straight away.

Overseas Visitors Starter Hospital and Medical

from
$79.10
/ fortnight
$88.88 / month

A mid level cover option for younger visitors to Australia who don’t require health cover for visa purposes (condition 8501), but want the peace of mind of having cover for more than the essentials (incl. Heart and vascular system services) during their time in Australia.

This cover may only be purchased by policy holders who are aged 49 or under.

View details

Hospital

Pays benefits towards accommodation and medical costs for included medical procedures in hospital. This includes charges for treatment you receive from doctors, specialists, surgeons and anaesthetists.

  • Includes 26 common clinical categories of hospital treatment (incl. Heart and vascular system)
  • Accidental Injury Benefit+
  • Choice of $250 or $750 excess

Medical

Pays benefits towards included medical services in and out of hospital.

  • Pays 100% of the MBS fee
  • Inpatient medical services across 26 clinical categories
  • General Practitioner (GP) consultations
  • Other common out-of-hospital medical services (blood tests & x-rays)
  • Most Allied Health services billed with an MBS item number~

Extras

  • None

Overseas Workers Base Hospital

from
$79.10
/ fortnight
$88.88 / month

A great option if you want to meet your visa health insurance requirements (condition 8501) on a budget, along with the peace of mind of having a top hospital cover, but don't need cover for outpatient service like seeing a GP.

View details

Hospital

Pays benefits towards accommodation and medical costs for included medical procedures in hospital. This includes charges for treatment you receive from doctors, specialists, surgeons and anaesthetists.

  • Visa condition 8501 compliant
  • Includes all 38 clinical categories of hospital treatment
  • Choice of $300 or $500 excess

Medical

Pays benefits towards included medical services in hospital.

  • Pays 100% of the MBS fee
  • Inpatient medical services across all 38 clinical categories

Extras

  • None

Overseas Workers Standard Hospital and Medical

from
$79.10
/ fortnight
$88.88 / month

An all-round option for if you want to meet any visa health insurance requirements (condition 8501) while having comprehensive cover to help with the cost of everyday medical services, like seeing a doctor, but don't need outpatient pregnancy and birth services or assisted reproductive services.

View details

Hospital

Pays benefits towards accommodation and medical costs for included medical procedures in hospital. This includes charges for treatment you receive from doctors, specialists, surgeons and anaesthetists.

  • Visa condition 8501 compliant
  • Includes 37 clinical categories of hospital treatment (excl. Assisted reproductive services)
  • Choice of $0, $250 or $500 excess

Medical

Pays benefits towards included medical services in and out of hospital.

  • Pays 100% of the MBS fee
  • Inpatient medical services across 37 clinical categories
  • General Practitioner (GP) consultations
  • Most out-of-hospital medical services (blood tests & x-rays)
  • Allied Health services billed with an MBS item number~

Extras

  • None

Overseas Visitors Everyday Hospital and Medical

from
$79.10
/ fortnight
$88.88 / month

A cover option suitable for those visiting Australia who are fit and healthy, don't require health cover for visa purposes (condition 8501) and only want cover for the essentials and accidents 'just in case' the unexpected occurs.

View details

Hospital

Pays benefits towards accommodation and medical costs for included medical procedures in hospital. This includes charges for treatment you receive from doctors, specialists, surgeons and anaesthetists.

  • Includes 24 common clinical categories of hospital treatment
  • Accidental Injury Benefit+
  • Choice of $250 or $500 excess

Medical

Pays benefits towards medical services in and out of hospital.

  • Pays 100% of the MBS fee
  • Inpatient medical services across 24 clinical categories
  • General Practitioner (GP) consultations
  • Other common out-of-hospital medical services (blood tests & x-rays)
  • Most Allied Health services billed with an MBS item number~

Extras

  • None

Overseas Workers Advanced Hospital and Medical

from
$79.10
/ fortnight
$88.88 / month

Comprehensive hospital and medical cover that meets visa condition 8501 and includes a wide range of services from pregnancy and birth and assisted reproductive services to heart and vascular system admissions plus helps reduce expenses for GP (doctor) visits, x-rays and blood tests.

View details

Hospital

Pays benefits towards accommodation and medical costs for included medical procedures in hospital. This includes charges for treatment you receive from doctors, specialists, surgeons and anaesthetists.

  • Visa condition 8501 compliant
  • Includes all 38 clinical categories of hospital treatment
  • $500 excess

Medical

Pays benefits towards included medical services in and out of hospital.

  • Pays 125% of the MBS fee
  • Inpatient medical services across all 38 clinical categories
  • General Practitioner (GP) consultations
  • All other out-of-hospital medical services (blood tests & x-rays)
  • Allied Health services billed with an MBS item number~

Extras

  • None

Overseas Workers Premium Hospital, Medical and Extras

from
$79.10
/ fortnight
$88.88 / month

Our only overseas health cover with extras, which is ideal for families and for meeting any visa health insurance requirements (condition 8501). It has comprehensive hospital and medical benefits, and pays 85% back at Members' Choice providers (up to annual limits)* for things like dental and physiotherapy.

View details

Hospital

Pays benefits towards accommodation and medical costs for included medical procedures in hospital. This includes charges for treatment you receive from doctors, specialists, surgeons and anaesthetists.

  • Visa condition 8501 compliant
  • Includes all 38 clinical categories of hospital treatment
  • Choice of $0, $250 or $500 excess

Medical

Pays benefits towards included medical services in and out of hospital.

  • Pays 200% of the MBS fee
  • Inpatient medical services across all 38 clinical categories
  • General Practitioner (GP) consultations
  • All other out-of-hospital medical services (blood tests & x-rays)
  • Allied Health services billed with an MBS item number~

Extras

Helps you pay for everyday general health services like dental, optical, remedial massage and physiotherapy.?

  • Look after your day-to-day health & wellbeing with dental, optical, physio and more.
  • If you use a Members' Choice provider you will be able to claim 85% back on the cost, up to annual limits, of services that are included in your cover*
  • 100% back on up to two annual dental check-ups & cleans at any Members' Choice dentist #
  • See better value with 100% back on optical (up to annual limits) at all recognised providers**

Things you should know

Waiting periods, annual limits and out-of-pocket expenses apply.

^For ambulance attendance and transportation to a hospital where immediate professional attention is required and your medical condition is such that you couldn't be transported any other way.

+Any Excluded service will be treated as an Included service where you require hospital treatment as a result of injuries sustained in an Accident after joining this cover and within 12 months of the date the Accident occurred. The Accident must have occured in Australia while the cover was not suspended. Treatment must be sought within 7 days of the Accident. Excludes?claims covered by third parties such as WorkCover.

~Services not provided by a doctor but are billed with an MBS item number. For example, eye checks and services related to chronic disease and mental health management plans, where they fall under an Included service under your Hospital cover.

*Only at Members’ Choice providers. Up to annual limits.?Members Choice not available in all areas. Waiting periods apply including 12 months for some dental services.

#Waiting period may apply. Limited to two dental check-ups annually on all extras. Not available in all areas.

**Up to annual limits. Waiting periods may apply. Some services, like lens coating, aren’t included.

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The Medibank Overseas Health Covers above are suitable for working holiday makers on the below visas:

Visa subclass 417

The Working Holiday visa allows you to stay in Australia as a visitor for 12 months (and longer if you also meet the work requirements), and you can work while you are here. This might be an appropriate visa if you want to work in Australia to fund an extended holiday here, and you're from one of the 19 eligible countries.

Visa subclass 462

The Work and Holiday visa is similar to the Working Holiday visa and also allows you to stay and work in Australia as a visitor for 12 months (and longer if you also meet the work requirements). If you're from one of the 24 eligible countries, this visa may carry additional language and educational requirements, as well as a letter of support from your Government.

Please note that if your visa is subject to Condition 8501, you should choose a cover from the above that is 8501 compliant.

This information is sourced from the Department of Home Affairs website and is accurate as of 15th May 2020.

Australia's healthcare system explained

Need a little extra help?

We’re here to help you choose the health cover that matches your needs while you’re in Australia.

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