Medibank 保险产品资料 Medibank 资料
OVHC

核心型 住院+医疗

官方产品名:Overseas Visitors Core Hospital and Medical

Essential Hospital and Medical cover for short-stay visitors to Australia, offering coverage for accidents, emergencies and common medical needs. Suitable for those who don’t require health cover for visa purposes (condition 8501).

适用签证:600、601、651
8501 条件:页面自述不用于满足 8501
保费:本站不提供数字,见文末说明
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住院保障

以下为官方页面原文摘录(未翻译,避免转述失真)

Helps towards the accommodation costs and doctors, specialists, surgeons and anaesthetists fees for the Included services below. What is a waiting period? A set period of time you need to wait before you can receive benefits for services or items included in your cover. You can’t receive benefits for any items or services you obtained while you’re serving a waiting period. This means you will have to pay the full cost of the service. What is a pre-existing condition? An ailment, illness or condition that, in the opinion of a Medical Practitioner appointed by Medibank, the signs or symptoms existed at any time during the six months before you either took out your new cover, or transferred to a higher level of cover (12 month waiting period applies). Inclusions Waiting Period What is a waiting period? A set period of time you need to wait before you can receive benefits for services or items included in your cover. You can’t receive benefits for any items or services you obtained while you’re serving a waiting period. This means you will have to pay the full cost of the service. What is a pre-existing condition? An ailment, illness or condition that, in the opinion of a Medical Practitioner appointed by Medibank, the signs or symptoms existed at any time during the six months before you either took out your new cover, or transferred to a higher level of cover (12 month waiting period applies). Icon help Icon Tick Ambulance services Unlimited emergency ambulance services Australia-wide. For ambulance attendance or 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. Waiting Period Icon help Nil Nil Icon Tick Public hospital accident and emergency departments If you need to attend a public hospital accident and emergency department, we’ll pay 100% of any ‘facility fee’ charged by the hospital for attending their hospital department. 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 we pay. Waiting Period Icon help Nil Nil Icon Tick No Excess for kids on a family membership No matter what hospital excess you choose on your cover, the excess will not apply if your kids on a family membership are admitted to hospital Waiting Period Icon help Nil Nil Icon Tick Accident Cover Boost Services which are normally Excluded will be treat

住院给付

以下为官方页面原文摘录(未翻译,避免转述失真)

' below. Public Hospital (as a private patient) Overnight accommodation in a private or shared room Same-day admissions Intensive care Operating theatre fees Outpatient and emergency department charges Hospital benefits Members’ Choice hospitals Medibank has agreements with most private hospitals and day surgeries in Australia. We call this our Members’ Choice network. When you visit a Members’ Choice hospital you will generally get better value for money compared to a non-Members’ Choice private hospital, provided the service is included under our agreement with the hospital and not Excluded under your cover. To find your nearest Members’ Choice hospital, visit medibank.com.au/memberschoice . Members’ Choice hospitals are subject to change from time to time and are not available in all areas. Private room promise If there isn’t a private room available at a Members’ Choice hospital, you may be entitled to receive $50 a night, for up to five nights per stay. You’ll need to request a private room from the Members’ Choice hospital at least 24 hours before your stay; you must provide supporting documentation to Medibank from the hospital about this request and you must be eligible to receive benefits for the treatment you received during your stay. Does not apply for same-day admissions or admissions for sleep studies, or where your doctor specifically requests a shared room for clinical reasons. In-hospital Family Boarder Benefit If you or someone on your membership is admitted to hospital for an Included service and either a partner, immediate family member, carer or next of kin (‘boarder’) needs to stay in hospital with them, we will pay towards the cost of accommodation and meals charged by the hospital for that boarder up to $150 per admission. $1,000,000 Total Annual Benefit Limit This cover has a total annual benefit limit of $1,000,000 per member, per calendar year (1 January to 31 December). A total annual benefit limit is the maximum total amount of benefits we will pay for eligible hospital, medical and/or ambulance services within a calendar year. Once this limit is reached, no further benefits are payable for the remainder of that calendar year. The limit resets on 1 January each year. If you change covers within the same calendar year from another Medibank cover (excluding OSHC), benefits already paid by us on your previous cover in that calendar year will generally be counted toward your total annual benefit limit.

住院自付额

以下为官方页面原文摘录(未翻译,避免转述失真)

Hospital excess This is the amount you pay towards your hospital treatment before we pay any benefits. It's paid once per person, per calendar year. It does not apply to children on a family policy. $300 Excess No Excess Cover type Cover type Icon help Singles Couples Families Single Parents Join now Loading from --> from Hospital excess Hospital excess $300 Excess No Excess Cover type Cover type Singles Couples Families Single Parents Join now Hospital excess Hospital excess $300 Excess No Excess Cover type Cover type Singles Couples Families Single Parents This is the amount you pay towards your hospital treatment before we pay any benefits. It's paid once per person, per calendar year. It does not apply to children on a family policy. Need some help? We’re here to help you choose the health cover that matches your needs while you’re in Australia. Contact Medibank how it suits you; online 24/7, WeChat, in-store or by phone. Icon Mobile Contact us We’re here to help you choose the health cover that matches your needs while you’re in Australia. Ways to contact us Call 1300 981 380 Icon Contact Request a callback We’re here to help you choose the health cover that matches your needs while you’re in Australia. Request a callback Icon Chat Medibank 微信服务号 扫描二维码或搜索微信服务号Medibank_AU, 获取会员优惠,健康信息,保险相关知识及中文客服咨询服务。 Hospital cover Helps towards the accommodation costs and doctors, specialists, surgeons and anaesthetists fees for the Included services below. What is a waiting period? A set period of time you need to wait before you can receive benefits for services or items included in your cover. You can’t receive benefits for any items or services you obtained while you’re serving a waiting period. This means you will have to pay the full cost of the service. What is a pre-existing condition? An ailment, illness or condition that, in the opinion of a Medical Practitioner appointed by Medibank, the signs or symptoms existed at any time during the six months before you either took out your new cover, or transferred to a higher level of cover (12 month waiting period applies). Inclusions Waiting Period What is a waiting period? A set period of time you need to wait before you can receive benefits for services or items included in your cover. You can’t receive benefits for any items or services you obtained while you’re serving a waiting period. This means you will have to pay the full cost of the service. What is a pre-existing condition? An ailment, illness or conditi

医疗给付

以下为官方页面原文摘录(未翻译,避免转述失真)

below). Surgically implanted prostheses (such as an artificial body part like a limb) and other items on the Australian Government’s Prescribed List of Medical Devices and Human Tissue Products ^^ . Pharmaceutical Benefits Scheme (PBS)** listed medication given to you as part of your admitted treatment for most medical conditions, including medication prescribed for after you leave hospital. Private Hospital Overnight accommodation in a private or shared room Same-day admissions Intensive care Other benefits as set out in ' Hospital benefits' below. Public Hospital (as a private patient) Overnight accommodation in a private or shared room Same-day admissions Intensive care Operating theatre fees Outpatient and emergency department charges Hospital benefits Members’ Choice hospitals Medibank has agreements with most private hospitals and day surgeries in Australia. We call this our Members’ Choice network. When you visit a Members’ Choice hospital you will generally get better value for money compared to a non-Members’ Choice private hospital, provided the service is included under our agreement with the hospital and not Excluded under your cover. To find your nearest Members’ Choice hospital, visit medibank.com.au/memberschoice . Members’ Choice hospitals are subject to change from time to time and are not available in all areas. Private room promise If there isn’t a private room available at a Members’ Choice hospital, you may be entitled to receive $50 a night, for up to five nights per stay. You’ll need to request a private room from the Members’ Choice hospital at least 24 hours before your stay; you must provide supporting documentation to Medibank from the hospital about this request and you must be eligible to receive benefits for the treatment you received during your stay. Does not apply for same-day admissions or admissions for sleep studies, or where your doctor specifically requests a shared room for clinical reasons. In-hospital Family Boarder Benefit If you or someone on your membership is admitted to hospital for an Included service and either a partner, immediate family member, carer or next of kin (‘boarder’) needs to stay in hospital with them, we will pay towards the cost of accommodation and meals charged by the hospital for that boarder up to $150 per admission. $1,000,000 Total Annual Benefit Limit This cover has a total annual benefit limit of $1,000,000 per member, per calendar year (1 January to 31 December). A total annual benefit

其他给付

以下为官方页面原文摘录(未翻译,避免转述失真)

24/7 Medibank Nurse and Mental Health Support Medibank health insurance members can chat to a registered nurse or mental health professional and get guidance on what they can do next. Chat online or call 1800 644 325 anytime of the day or night, 7 days a week at no extra cost. Some referred services may involve out of pocket costs and waiting periods may apply. Repatriation If you or any person on this cover sustains a substantial life-altering disability or a serious medical condition, as determined by us, and needs to return to their home country, we may arrange and pay the reasonable cost of travel with the appropriate medical supervision (up to $50,000). In the unfortunate event of death, we’ll pay the reasonable cost for the repatriation of mortal remains of you or anyone else on your membership to their home country (up to $5,000). The provision of any repatriation benefit is at our discretion. Conditions apply, including waiting periods. Contact us or refer to the Overseas Visitors Member Guide for more information. Live better, get rewarded You could earn up to $400 worth of rewards every year. ++ You can earn points by tracking healthy actions. And when you're an eligible Medibank Overseas Visitors Health Cover member with hospital or extras, these points can go towards rewards from select partners such as adidas and THEICONIC, as well as select Apple products, extras limit increases or a $200 premium payment. ≈ If your situation changes If at any time you gain access to full Medicare entitlements or your visa status changes (e.g. you are granted permanent residency), Overseas Visitors Core Hospital and Medical 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 large range of other covers.

需要留意的地方

以下为官方页面原文摘录(未翻译,避免转述失真)

Find out more about things like waiting periods and pre-existing conditions or check our list of definitions if you don't know the meaning of a word or phrase Find out more Things you need to know + For Accidents that occur in Australia after your cover starts and while your cover is not suspended. You must seek medical treatment for the Accident within 7 days, and receive hospital treatment within 12 months of the Accident occurring. Any Excluded service under your cover will be treated as an Included service where you require hospital treatment as a result of injuries sustained in an Accident. Excludes claims covered by third parties and our Private Room Promise. Out of pocket costs may apply. ++ 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 properly 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. The maximum number of Live Better points that each Medibank Live Better member can earn from successfully completing health and wellbeing Challenges, Goals or any Onboarding action in a calendar year is 40,000 Live Better points. To the extent of any inconsistency between this Policy and the Medibank Live Better 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

常见问题

核心型 住院+医疗适用哪些签证?

Medibank 公开页列出的适用签证类别为:600、601、651。该页同时写明"and more",完整清单以官方页面为准。

这个档位能满足签证的 8501 条件吗?

该产品页自述面向"不需要为签证目的购买保险"的人群,不用于满足 8501 条件。

本站能给我报价吗?

Medibank 保费由报价引擎按签证期限、人数与州别实时计算,公开页不含可引用价格表;本站不提供保费数字,价格一律指向官方报价。

资料来源:https://www.medibank.com.au/overseas-health-insurance/cover/core-hospital-medical/ · 采集批次 20260806-2234 · 采集日期 2026-08-06
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