Overseas Worker Mid Hospital and Medical

Overseas Visitors Health Cover (OVHC) is health insurance designed for overseas workers in Australia. OVHC covers you when you get sick or have an accident^{^} and need to access medical treatment.

The CBHS International Health OVHC Mid Hospital and Medical policy offers mid-level, visa-compliant cover for in-hospital services and treatments, emergency ambulance, hospital outpatient services and out-of-hospital pharmacy benefits.

Starting from

$95.98 _{per month}

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100% compliant for your work visa

You’ll get your confirmation of cover shortly after making payment.

Your working or working holiday visa in Australia may come with a requirement to hold adequate OVHC, which is known as visa condition 8501. The Australian Government through the Department of Home Affairs (DoHA) requires all holders of an overseas working visa with visa condition 8501 to maintain adequate OVHC for the entire time they are in Australia until their visa expires.

Please refer to the relevant Product Sheet below the table or Policy Member Guide for more information and details.

Meets visa requirements as set by the Department of Home Affairs (DoHA) Meets your visa requirements
In most cases, you'll receive your Visa Certificate instantly when you join CBHS International Instant confirmation of your cover
100% of the charge for medically necessary transport to a hospital or treatment at the scene due to an accident or medical emergency Accident and emergency ambulance services
Agreement provider: Up to 100% of the agreed rate, except for services when an exclusion applies. Non-agreement provider: Up to 100% of the Medicare Benefits Schedule (MBS) Fee, where an MBS item number is provided, except where an exclusion applies. Online doctor services
Up to 100% of the Medicare Benefits Schedule (MBS) Fee, except for services where an exclusion applies. If you visit a GP we have an agreement with, it may help reduce or eliminate the out-of-pocket costs you need to pay. Face-to-face doctor services (out-of-hospital)
Medicine prescribed to you by a doctor. PBS co-payment up to $75 per script. Annual limit applies per person per calendar year based on level of cover. Prescription medicines (out-of-hospital)	Medicine prescribed to you by a doctor. PBS Co-payment and then up to $75 per script. Annual limit $300 per person per calendar year.
A doctor specialising in a particular field, eg. a surgeon or a cardiologist. Check benefit limits with CBHS International before making an appointment. Specialist doctor consults (out-of-hospital)
Services including blood tests, x-rays and ultrasounds. Covered up to 100% of the MBS. Pathology and radiology (out-of-hospital)
The program provides you In Home Hospital Care, Rehabilitation and Wound Management services to reduce the time spent in hospital and recover from the comfort of your own home. Hospital Substitute program
If you go to a hospital emergency department (instead of a GP), you may be charged a facility fee by the hospital. Public Hospital emergency department facility fee for attendance that leads to an admission into hospital	You are covered in full, except where an exclusion applies.
If you go to a hospital emergency department (instead of a GP), you may be charged a facility fee by the hospital. Public Hospital emergency department facility fee for non-emergency treatment that does not lead to an admission into hospital.	The Maximum Benefit is $160. This can result in large out-of-pocket costs.
An excess is the amount you pay towards the cost of your hospital admission before any benefit is payable. Excess (a fee payable by you if you're admitted to hospital)	$500
For overnight hospital stays in private and public hospitals. 100% cover for agreement private hospitals. We pay the State gazetted rate for public hospital stays. Some public charge more than this which means you will have to pay the difference. Hospital accommodation
100% of the Medicare Benefits Schedule (MBS) Hospital treatment - doctors, specialists, pathology & radiology
Medication provided as part of your in hospital treatment Prescription medicines (in hospital)
12 month waiting period for pregnancy and birth related services. It’s important that you contact us as soon as you become pregnant so we can ensure you understand what you are covered for. Pregnancy and birth related services	Restricted benefits - means hospital accommodation benefits are reduced to the Minimum Benefit rate (set by the Federal Government) and no benefit is payable for theatre fees, intensive care and labour ward when you attend a Private (agreement) Hospital. This could result in substantial out-of-pocket costs. Public Hospital The benefit payable at a public hospital shall be paid at Gazetted Rates for the episode for patients who do not hold a valid Medicare card (irrespective of which service). No Benefit is payable where an Exclusion applies. Non-agreement Private Hospital The benefit payable with respect to accommodation at a non-agreement private hospital shall be restricted to the Minimum Benefit and no benefit shall be paid for theatre, intensive care or labour ward fees (irrespective of which service) or where an Exclusion applies. Restricted
2 month waiting period for rehabilitation services (except for pre-existing conditions and pregnancy, which have a 12-month waiting period). Rehabilitation	Restricted benefits - means hospital accommodation benefits are reduced to the Minimum Benefit rate (set by the Federal Government) and no benefit is payable for theatre fees, intensive care and labour ward when you attend a Private (agreement) Hospital. This could result in substantial out-of-pocket costs. Public Hospital The benefit payable at a public hospital shall be paid at Gazetted Rates for the episode for patients who do not hold a valid Medicare card (irrespective of which service). No Benefit is payable where an Exclusion applies. Non-agreement Private Hospital The benefit payable with respect to accommodation at a non-agreement private hospital shall be restricted to the Minimum Benefit and no benefit shall be paid for theatre, intensive care or labour ward fees (irrespective of which service) or where an Exclusion applies. Restricted
2 month waiting period for hospital psychiatric services (except for pre-existing conditions and pregnancy, which have a 12-month waiting period). Hospital psychiatric services	Restricted benefits - means hospital accommodation benefits are reduced to the Minimum Benefit rate (set by the Federal Government) and no benefit is payable for theatre fees, intensive care and labour ward when you attend a Private (agreement) Hospital. This could result in substantial out-of-pocket costs. Public Hospital The benefit payable at a public hospital shall be paid at Gazetted Rates for the episode for patients who do not hold a valid Medicare card (irrespective of which service). No Benefit is payable where an Exclusion applies. Non-agreement Private Hospital The benefit payable with respect to accommodation at a non-agreement private hospital shall be restricted to the Minimum Benefit and no benefit shall be paid for theatre, intensive care or labour ward fees (irrespective of which service) or where an Exclusion applies. Restricted
2 month waiting period for palliative care services (except for pre-existing conditions and pregnancy, which have a 12-month waiting period). Palliative care	Restricted benefits - means hospital accommodation benefits are reduced to the Minimum Benefit rate (set by the Federal Government) and no benefit is payable for theatre fees, intensive care and labour ward when you attend a Private (agreement) Hospital. This could result in substantial out-of-pocket costs. Public Hospital The benefit payable at a public hospital shall be paid at Gazetted Rates for the episode for patients who do not hold a valid Medicare card (irrespective of which service). No Benefit is payable where an Exclusion applies. Non-agreement Private Hospital The benefit payable with respect to accommodation at a non-agreement private hospital shall be restricted to the Minimum Benefit and no benefit shall be paid for theatre, intensive care or labour ward fees (irrespective of which service) or where an Exclusion applies. Restricted
Weight loss surgery is considered a pre-existing condition and has a 12-month waiting period. Weight loss surgery	Restricted benefits - means hospital accommodation benefits are reduced to the Minimum Benefit rate (set by the Federal Government) and no benefit is payable for theatre fees, intensive care and labour ward when you attend a Private (agreement) Hospital. This could result in substantial out-of-pocket costs. Public Hospital The benefit payable at a public hospital shall be paid at Gazetted Rates for the episode for patients who do not hold a valid Medicare card (irrespective of which service). No Benefit is payable where an Exclusion applies. Non-agreement Private Hospital The benefit payable with respect to accommodation at a non-agreement private hospital shall be restricted to the Minimum Benefit and no benefit shall be paid for theatre, intensive care or labour ward fees (irrespective of which service) or where an Exclusion applies. Restricted
Assisted reproductive services
Elective cosmetic surgery or laser eye treatment
Medicines not on the Pharmaceutical Benefits Scheme (PBS) Schedule and experimental or high-cost drugs

Meets visa requirements as set by the Department of Home Affairs (DoHA)

In most cases, you'll receive your Visa Certificate instantly when you join CBHS International

100% of the charge for medically necessary transport to a hospital or treatment at the scene due to an accident or medical emergency

Agreement provider: Up to 100% of the agreed rate, except for services when an exclusion applies. Non-agreement provider: Up to 100% of the Medicare Benefits Schedule (MBS) Fee, where an MBS item number is provided, except where an exclusion applies.

Up to 100% of the Medicare Benefits Schedule (MBS) Fee, except for services where an exclusion applies. If you visit a GP we have an agreement with, it may help reduce or eliminate the out-of-pocket costs you need to pay.

Medicine prescribed to you by a doctor. PBS co-payment up to $75 per script. Annual limit applies per person per calendar year based on level of cover.

A doctor specialising in a particular field, eg. a surgeon or a cardiologist. Check benefit limits with CBHS International before making an appointment.

Services including blood tests, x-rays and ultrasounds. Covered up to 100% of the MBS.

The program provides you In Home Hospital Care, Rehabilitation and Wound Management services to reduce the time spent in hospital and recover from the comfort of your own home.

Maximum benefit is $160 where you're admitted into a private hospital.

If you go to a hospital emergency department (instead of a GP), you may be charged a facility fee by the hospital.

An excess is the amount you pay towards the cost of your hospital admission before any benefit is payable.

For overnight hospital stays in private and public hospitals. 100% cover for agreement private hospitals. We pay the State gazetted rate for public hospital stays. Some public charge more than this which means you will have to pay the difference.

100% of the Medicare Benefits Schedule (MBS)

Medication provided as part of your in hospital treatment

In most cases, you'll receive your Visa Certificate instantly when you join CBHS International

100% of the charge for medically necessary transport to a hospital or treatment at the scene due to an accident or medical emergency

Medicine prescribed to you by a doctors. PBS Co-payment and then up to $75 per script. Annual limit $300 per person per calendar year.

A doctor specialising in a particular field, eg. a surgeon or a cardiologist. Check benefit limits with CBHS International before making an appointment.

Services including blood tests, x-rays and ultrasounds. Covered up to 100% of the MBS.

The program provides you In Home Hospital Care, Rehabilitation and Wound Management services to reduce the time spent in hospital and recover from the comfort of your own home.

You are covered in full, except where an exclusion applies.

The Maximum Benefit is $160. This can result in large out-of-pocket costs.

An excess is the amount you pay towards the cost of your hospital admission before any benefit is payable.

100% of the Medicare Benefits Schedule (MBS)

Medication provided as part of your in hospital treatment

Meets visa requirements as set by the Department of Home Affairs (DoHA)

In most cases, you'll receive your Visa Certificate instantly when you join CBHS International

100% of the charge for medically necessary transport to a hospital or treatment at the scene due to an accident or medical emergency

Medicine prescribed to you by a doctor. PBS Co-payment and then up to $75 per script. Annual limit $300 per person per calendar year.

A doctor specialising in a particular field, eg. a surgeon or a cardiologist. Check benefit limits with CBHS International before making an appointment.

Services including blood tests, x-rays and ultrasounds. Covered up to 100% of the MBS.

The program provides you In Home Hospital Care, Rehabilitation and Wound Management services to reduce the time spent in hospital and recover from the comfort of your own home.

You are covered in full, except where an exclusion applies.

The Maximum Benefit is $160. This can result in large out-of-pocket costs.

An excess is the amount you pay towards the cost of your hospital admission before any benefit is payable.

100% of the Medicare Benefits Schedule (MBS)

Medication provided as part of your in hospital treatment

If you require assistance, please call the 24/7 medical, interpreter and personal assistance helpline. Anytime, any day, in any language.

For face-to-face doctor consults and specialist doctors, receive up to 100% of the MBS Fee, except where an exclusion applies.

We've made it easy for you whenever you need a health consult, medical certificate, referral letter or prescription.

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