Put your health first with Medibank.
Packing up and moving to a new country proves that you’ve got what it takes to go further. You’re here to hustle, discover and make a mark in Australia. Now go even further with one of Australia's leading health insurers, with over 50 years' experience insuring Australians. Join the 4.1 million members in Australia who trust us to help look after their health.
Work can be hard. Health insurance doesn’t have to be.
The Temporary Graduate visa (subclass 485) is for international students who have recently graduated from an Australian educational institution. It allows you to work in Australia temporarily after finishing your studies. If you previously held Overseas Student Health Cover (OSHC) and you’re applying for a worker visa, you’ll need to purchase a different health cover type to meet ongoing visa requirements. We can help with that.
You must hold an appropriate health insurance cover at all times to meet your visa requirements. Medibank has a range of visa compliant health insurance for international visitors working in Australia (also known as OVC or OVHC), designed to help towards the costs of hospital and medical treatment during your stay in Australia.
They’re suitable for international graduates on a 485 visa and include unlimited emergency ambulance Australia-wide#. You could even earn up to $400 in rewards every year++ through our Live Better rewards program!
Already an existing OSHC member with ahm or Medibank?
You’re an incredible human and we can’t wait to continue helping you look after your health!
Speak with our customer service team and we can assist you with choosing the right cover to suit your needs and transferring from your OSHC policy. Contact Medibank how it suits you; by phone, in store or online 24/7.
Switching from another health cover provider?
Switching is simple and easy. If you need assistance, call us on 1300 576 282 and let us do the paperwork. We'll contact your old fund, cancel your old membership and organise the transfer certificate.
Even if you had Overseas Student Health Cover with another provider, if you switch to any Medibank cover within two months, you’ll retain any waiting periods you’ve already served☐.
Overseas Worker offer - Want 8 weeks free?*
Join eligible Medibank Overseas Workers Health Cover by 31 March (and start your policy by 30 April 2025) and you could get 8 weeks free after your first consecutive 42 days.* Use promo code: WORKER8
Compare 485 Visa graduate health covers
Extras cover
With Extras cover, you receive a range of benefits that reduce your out-of-pocket expenses when you claim on non-hospital services that aren’t normally covered by hospital and medical Overseas Health Cover – like dental, optical, physio and so much more!
Why choose Medibank Overseas Workers Cover?
There's more to health cover than just covering your costs when you get sick.
Visa compliant cover
Medibank offers a range of cover options that can meet your visa health insurance requirements for working or studying in Australia. Join online and get your visa health insurance certificate within 24 hours.
Choice of hospital
When you're treated as a private patient in a private contracted or public hospital for an included service, we'll pay 100% of the accommodation cost of a shared or private room.
24/7 Medibank Nurse and Mental Health Phone Support
| Medibank health insurance members can speak to a registered nurse or mental health professional over the phone or online at no extra cost~. Chat online or call 1800 644 325 to discuss any health questions or concerns 24 hours a day, 7 days a week. |
Unlimited emergency ambulance
No matter which Medibank Overseas Workers Health Cover you choose, your cover includes unlimited emergency ambulance Australia-wide+
Need some help?
Contact our friendly staff for advice and help with your overseas health cover, whether you're already a member, or looking to join.
FAQs
Things you need to know:
It is the overseas visitor’s responsibility to ensure they hold a suitable visa and appropriate health insurance cover at all times to meet their visa requirements. While we hope you find this information helpful, please note that it is general in nature and is not tailored to meet your individual circumstances. While we have prepared the information carefully, we can’t guarantee that it is accurate, complete or up-to-date. For these reasons we are unable to accept responsibility for any loss that may be sustained from acting on this information (subject to applicable consumer guarantees).
~ Some referred services may involve out of pocket costs and waiting periods may apply.
§§ The fee may not include all medical services provided and out-of-pocket expenses may apply such as for x-rays, blood tests and any charges raised by the doctor above the benefit amount we pay.
# Waiting period applies. For ambulance attendance or transportation to a hospital where immediate medical attention is required and your condition is such that you couldn't be transported any other way. TAS and QLD have State schemes that provide ambulance services for residents of those States.
☐ You need to join Medibank within 2 months of leaving your old fund, or waiting periods apply again. Also, benefits that have been paid under your previous cover will be taken into account in determining the extras benefits payable under your Medibank cover.
++ Live Better points terms: Live Better rewards members could earn up to 40,000 Live Better rewards points each calendar year for successfully completing select Live Better rewards points-earning activities. These activities include, but are not limited to, health and wellbeing challenges, the Weekly Goal, onboarding actions, partner activity earn and the daily auto-tracking bonus. This does not include points earned by shopping with Live Better rewards partners or visiting Members' Choice Advantage providers. 40,000 Live Better points could be redeemed for up to $400 worth of rewards from the Live Better rewards store.
Medibank Live Better Challenges & Goals Earning Policy: The participant of a Medibank Live Better Challenge or Goal may not receive Live Better points or may have their already credited Live Better points reversed in accordance with the Medibank Live Better terms and conditions. To earn Live Better points, the participant needs to complete 100% of the eligible Challenge according to the instructions. The number of Live Better points available for Medibank Live Better Challenges and Goals is subject to change without prior notice. To the extent of any inconsistency between this Policy and the Medibank Live Better rewards terms and conditions, the terms and conditions will take precedence.
Must be 16 years or over to register for Medibank Live Better rewards in the My Medibank app. Some program partners and earning activities require a person to be at least 18 years of age to be eligible to earn and/or redeem a reward. Must be a Medibank member with hospital cover, extras cover, or hospital and extras cover, and be up-to-date with premium payments. Excludes Overseas Student Health Cover (OSHC), Ambulance only cover, ahm covers and other selected covers. Live Better Management Pty Ltd, ACN 003 457 289 has entered into commercial arrangements with Medibank Live Better program partners and may receive commissions. Please choose carefully as rewards will not be amended, cancelled, exchanged or refunded due to change of mind. Points earning activities and rewards are subject to change without prior notice and may be subject to availability. Additional terms and conditions may apply to points earning activities and rewards. See full Medibank Live Better rewards terms.
*Offer available until 31 March 2025. Must take out eligible Medibank Overseas Workers Health covers and commence your policy by 30 April 2025. Offer available via phone, web, messaging and in store. For new members on new memberships residing in Australia on a working visa or Medibank members who are transferring from Medibank OSHC or ahm OSHC. Must be over the age of 18. Must quote promo code 'WORKER8’ when joining. Member must sign up to direct debit. Excludes Overseas Visitors Health Cover, all corporate covers, all Corporate Non-resident covers, all residential hospital and extras covers, Overseas Students Health Cover (OSHC), Ambulance Cover, ahm covers, and other selected covers. Waiting periods may apply to hospital cover. Not available if the policy holder has already taken up this offer, or taken up any other discount offer from Medibank within 12 months from the policy start date. Not available to Medibank employees. Not available with any other offer except the Overseas Extras only offer. Offer cannot be redeemed for cash. Member take up of the offer is deemed acceptance of these Terms and Conditions. Medibank reserves the right to amend these Terms and Conditions without notice from time to time.
8 weeks free terms: Member must maintain direct debit and keep policy premium payments up to date and hold eligible cover for 42 consecutive days from the policy start date to get next 8 weeks free. If you change to an ineligible cover during this period, or you terminate or suspend your cover, 8 weeks free will not be issued.