FREEDOM OF CHOICE PEACE OF MIND FOR BETTER HEALTH. WORKING VISA HEALTH INSURANCE

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1 FREEDOM OF CHOICE PEACE OF MIND FOR BETTER HEALTH. WORKING VISA HEALTH INSURANCE Issue date: July 2015

2 Australia is an exiting plae to work with exellent areer opportunities. If you re applying for an Australian working visa, you ll need to have adequate arrangements for health insurane to help over any osts for health are while you re here. Medibank, one of Australia s largest private health funds, has a range of speially designed health over options that will suit your working irumstanes and lifestyle needs. All Medibank Working Visa Health Insurane overs meet the Australian Government s 457 working visa requirements for health insurane, so you an feel onfident and enjoy the experiene of your new job. 2

3 Welome to Medibank Contents Benefits of health insurane in Australia 4 Medibank - health over that gives you more 5 Mi Health - better health support for our members 6 Members Choie 7 Choosing the right over is easy 9 Understanding our overs 10 Working Visa Hospital Insurane 12 Working Visa Hospital and Medial Insurane 13 Top 85 Working Visa Health Insurane 14 Manage your membership online 16 Things worth knowing 17 Glossary 26 The information ontained in this brohure is urrent at the time of issue, July 2015, and supersedes all previously published material. Please ensure you read this brohure thoroughly and retain a opy for future referene. Membership of Medibank is subjet to our Fund rules and poliies whih are summarised in our Membership guide. You will reeive a Membership guide and Cover summary upon joining. Premium rates, and the Fund rules and poliies, hange from time to time. The information in this brohure only applies to Medibank branded produts. If you are unsure of any terms or phrases used in this brohure you an hek the glossary on page 26. 3

4 Benefits of health insurane in Australia While having adequate arrangements for private health insurane is a mandatory ondition of ertain overseas visitor visas, inluding the 457 working visa, private health insurane also gives you greater ontrol over when and where you an reeive hospital and medial treatment while in Australia. Like most ountries in the world, health are osts in Australia an be expensive. Even a few days in hospital for a routine operation an ost thousands of dollars in hospital harges and dotors fees. It s easy to join Call us on or (if alling from outside of Australia) Visit medibank.om.au/visitors Visit a Medibank store The Australian health are system has two main omponents: 1. Mediare Mediare is our national health are system, whih provides eligible Australian residents with aess to treatment as publi patients in publi hospitals and treatment by dotors and other health professionals. 2. Private health insurane Many Australians purhase private health insurane to help over the ost of going to a private hospital and reeiving other health servies not usually overed by Mediare. Some visitors to Australia have restrited aess to Mediare for medially neessary treatment beause their ountry has a reiproal health are agreement (RHCA) with Australia. Refer to page 17 to see if this applies to you. However, most visitors and temporary workers have no aess to Mediare. That s why as a visitor to Australia, it s worth onsidering private health insurane so you an keep your health a top priority. Choose Medibank and you ll be with one of Australia s largest private health insurers. Are you overed for ambulane? Ambulane servies are inluded under all Medibank overs. Unless you re already overed (eg. under a state sheme), we ll over the ost of eligible ambulane servies if you need immediate professional attention and your medial ondition is suh that you ouldn t be transported any other way. See page 20 for more details. 4

5 Medibank health over that gives you more. Mi Health a level of health support with our hospital overs You ll get even more value from your hospital over with aess to Mi Health. It s a range of health support servies inluding aess to Medibank nurses on our 24/7 Health Advie Line, Hospital Support and Mobile Health Apps to help you make healthier deisions on the go. For more about how Mi Health an benefit you, see page 6. Value at Members Choie providers Our Members Choie network is one of the largest health provider networks in Australia, overing most private hospitals and the widest range of extras servies of any health fund. See pages 7-8 for more information. No hospital exess for kids With our hospital overs, you won t be harged an exess if a hild on your family membership needs to go to hospital. Managing your membership online Online Member Servies is an easy, seure way to manage your membership details, laims and payments whenever and wherever it suits you. See page 16 for more information. Repatriation benefit If you or any other member inluded on your membership has to be repatriated to your home ountry due to a substantial life-altering disability, Medibank may arrange and pay the reasonable ost of return travel with the appropriate medial supervision. In the unfortunate event of death, your mortal remains or those of any other member on your membership may be repatriated to your home ountry if legally permissible. The provision of any repatriation benefit is at the disretion of Medibank. * Conditions apply, for further information all More than just health over As a member, you also get a 10% disount on the following produts: travel insurane pet insurane For more information go to medibank.om.au Like to know more? Take a look at Things worth knowing on page 17 Visit medibank.om.au Call us on Visit a Medibank store *Waiting periods apply to the provision of the repatriation benefit. This benefit is payable only one per person per lifetime. 5

6 Mi Health - better health support for our members Mi Health is a range of health support servies, designed to help our members manage their health and lifestyle. As a member with Working Visa Health Insurane, you ll have aess to the Mi Health support servies. It s our ommitment to making health over better for our members. 24/7 Health Advie Line Call a Medibank nurse with any health questions you and your family may have, 24 hours a day, seven days a week. Designed to omplement the are given by general pratitioners and other health professionals, Medibank nurses an give you advie about your health, symptoms, diagnosed onditions and disuss treatment options. They an also help you find medial entres, hild health servies, dentists, mental health servies, pharmaies and more. If you all with a health problem that our nurses believe should be seen by a dotor promptly, they ll offer to ring your regular GP and help you make an appointment. Translators for a range of languages are available if required. Members an aess the Medibank nurses by alling 1800 Mi Health ( ) Hospital Support Hospital Support provides you with personal advie and support about your overnight hospital stay. Call for more information (or for orporate over). Mobile Health Apps Aess our health apps on your mobile when you need health information on the go. Symptom Cheker * Chek your everyday symptoms, find out what to do about them inluding when to seek professional treatment. * Only available on iphone. iphone is a trademark of Apple In. Energy Balaner To help you balane the foods you re eating with exerise and ativities. Like to know more? For more information about Mi Health, all or visit medibank.om.au The Mi Health servies are provided by Medibank Private Limited and its related ompanies. For details on how your personal (inluding sensitive) information is handled see the bak over of this brohure. 6

7 Members Choie It s pretty simple: visit a Members Choie extras provider or hospital and you an save money. Our Members Choie network is one of the largest health provider networks in Australia, overing most private hospitals and the widest range of extras servies of any health fund. We ve negotiated with many healthare professionals so you won t be harged more than the agreed prie. We ve also negotiated disounts off normal pries at optial retailers and for orthotis. A Members Choie extras provider must agree to and meet Medibank s ustomer servie standards in addition to meeting any registration standards for pratising that profession. Hospitals Visit a Members Choie hospital and you ll get better value for money ompared to a Non Members Choie private hospital, as long as the servie you reeive is overed by our agreement with the hospital and is inluded under your over. What about your out-of-poket expenses? Even if you go to a Members Choie hospital, you re still likely to have out-of-poket expenses. The hospital and dotors treating you should tell you about their osts before you go to hospital so it s important to ask. Give us a all before you go to hospital so we an help you ask the right sort of questions. See page 23 for more information. Extras providers This setion applies to Top 85 Working Visa Health Insurane over. Benefits of Members Choie extras providers Capped harges* Disounts at optial retailers and for orthotis % bak of the harge. This means 85% on Top 85 Working Visa Health Insurane over # Wider range of extras servies than other insurers Generally lower out-of-pokets than Non Members Choie providers. * Exludes optial retailers # Subjet to annual limits and waiting periods What types of providers are inluded in Members Choie? Our Members Choie network overs more types of extras servies than any other private health insurer and inludes the following: Dentists Dental prosthetists Optial retail outlets Chiroprators Physiotherapists Podiatrists Aupunturists Naturopaths Remedial massage therapists. Go to medibank.om.au or all us on to find your nearest Members Choie provider. Please note, Members Choie extras providers may not be available in some areas. Find a Members' Choie provider To find a Members' Choie provider use our mobile app 7

8 Members Choie More value from extras Enjoy greater value from our Members Choie network We ve also got some great deals available. With our Top 85 Working Visa Health Insurane, you ll get one free dental hek-up, sale and lean (exludes x-rays) per person, per alendar year valued at over $130 when you visit a Members Choie dentist. To find out more all us on How does it work? Here s an example of how you an get the most out of Members Choie: Mar has Top 85 Working Visa Health Insurane and lives in NSW. The table below shows typially how muh he an save when he visits a Members Choie physiotherapist for a subsequent onsultation. Charge Benefit payable # (% bak or fixed benefit) * Most ommon harge in NSW for a subsequent physio onsultation for Non Members Choie providers for laims during July - September # Subjet to annual limits and waiting periods Fixed benefit that an be laimed Members Choie provider $62.00 (apped harge) 85% of harge bak ($52.70) Non Members Choie provider $70.67* $48.50 Out-of-poket ost $9.30 $22.17 Members Choie Optial Network We ve got the largest health fund optial network nationally and we an provide you with aess to disounted produts and servies. Glasses and ontats We ve negotiated great deals with our optial partners OPSM, Spesavers and VSP Neighbourhood Eyeare. With any of our urrent extras overs, you will get bak 100% up to your annual limit* and at least 20% off most frames and lenses and 15% off ontat lenses from these optial partners. Whether you re looking for ontat lenses, a wide range of value-for-money glasses with no gap, the latest in designer brand glasses or prefer to use an independent optometrist, we ve got your optial needs overed. *On eligible servies and produts up to annual limits. 6 month waiting period applies. Exludes MyOptions. Sub limits apply. Laser eye surgery As part of our interest in your better health, Medibank has also negotiated a speial agreement with Vision Eye Institute^. Members with Top Extras or Ultra Health Cover who have LASIK or ASLA surgery performed by a Vision Eye Institute surgeon will reeive a 15% redution on their surgial fees *. ^ Only available for servies in VIC, NSW and QLD * Exludes initial assessment fees To find out how to take advantage of these great offers, visit medibank.om.au 8

9 Choosing the right over is easy Three key areas of health over that visitors should onsider when in Australia: hospital, medial and extras. The options range from basi to omprehensive. Working Visa Hospital Insurane only provides over for hospital osts and in-hospital dotor s servies. Top 85 Working Visa Health Insurane overs you for hospital osts, dotors osts in and out of hospital, and a omprehensive list of everyday health are servies suh as dental and optial items, known as extras. Hospital Helps with the ost of being treated in a private hospital or a publi hospital as a private patient. It also allows you to hoose your own dotor, as well as whih hospital you would prefer to attend. Medial (In-Hospital) Helps to over the ost of dotors servies provided in-hospital. Working Visa Hospital Insurane Working Visa Hospital and Medial Insurane Top 85 Working Visa Health Insurane Eligibility for Working Visa Health Insurane overs Medibank Working Visa Health Insurane may only be purhased by people who are in Australia on ertain working-type visas approved by Medibank and The Department of Immigration and Border Protetion. This inludes but is not limited to the following: Visa sub lass Visa type 400 Temporary Work (Short Stay Ativity) 401 Temporary Work (Long Stay Ativity) 402 Training and Researh 420 Temporary Work (Entertainment) 457 Temporary Work (Skilled) 485 Temporary Graduate Visa All Working Visa Health Insurane overs inlude: Ambulane servies A repatriation benefit No exess for hildren Aess to Mi Health servies suh as a Medibank nurse 24/7. Medial (Out-Of-Hospital) Helps to over the ost of dotors servies provided out-of-hospital. Extras Helps you with the ost of servies that are not usually provided by hospitals suh as dental, physiotherapy, optial items and more. b b b For more information: See page 12 See page 13 See pages The table above is not a omplete list of visa sub lass lassifiations and visa sub lass numbers and they are subjet to hange by the Australian government from time to time. If your visa sub lass is not listed please all us. If your irumstanes hange (eg. you gain full aess to Mediare entitlements or your visa status hanges) you need to notify Medibank as Working Visa Health Insurane may no longer be suitable for you. 9

10 Understanding our overs Hospital What benefits are paid? For the servies inluded under eah of our overs, we ll pay benefits (less any appliable exess) towards: private hospital aommodation overnight aommodation in a private or shared room same day admissions intensive are theatre fees publi hospital aommodation as a private patient overnight aommodation in a private or shared room same day admissions (shared room only) dotors fees for in-hospital medial servies when you are treated as a private patient surgially implanted prostheses and other items on the Federal Government s Prostheses Shedule eligible ambulane servies where immediate professional attention is required (see page 20) Pharmaeutial Benefits Sheme (PBS) listed drugs, presribed aording to PBS approved indiations, that are administered during and form part of your admitted episode of are (inluding drugs presribed upon disharge). Please note that any harge above your benefit will form part of your out-of-poket expenses (see page 23 for more information). Mi Health - better health support for our members When you take out any of our Working Visa Health Insurane overs you'll have aess to the Mi Health range of support servies. Read more about Mi Health on page 6. Exess If you have an exess on your over, you must pay this amount towards the ost of your hospital treatment. An exess applies per person per alendar year and doesn t apply to hildren on your membership. Medial The medial omponent pays benefits towards medial servies that are listed under the Mediare Benefits Shedule (MBS) and provided either in or out of hospital by a dotor (eg. general pratitioner or speialist) depending on your level of over. The MBS lists a standard fee for most surgial and medial proedures (MBS fee). The amount of benefit you an expet to reeive from us is alulated as a perentage of the MBS fee. However, you ll have to pay any additional ost if the dotor harges you more than the benefit we pay you. With our Working Visa Health Insurane overs you ll generally reeive higher medial benefits than the benefits paid to a permanent Australian resident under Mediare. In-hospital medial The benefits you reeive for medial servies provided in-hospital (eg. surgeon s fees, anaesthetist s fees). Out-of-hospital medial The benefits you reeive for medial servies provided out-of-hospital (eg. dotor s visits, pathology). Presription only pharmaeutials important information Most international visitors to Australia are not eligible for subsidised pharmaeutials under the Pharmaeutial Benefits Sheme (PBS). Under our Working Visa Health Insurane overs we ll pay you benefits that are equal to the PBS government subsidy in exess of your patient ontribution. If high ost pharmaeutials are required for your treatment when in hospital, you may inur signifiant out-of-poket expenses. For more information on the PBS refer to pages 15 and 21 or visit health.gov.au 10

11 Extras The extras omponent of Top 85 Working Visa Health Insurane helps over the ost of what we all everyday health servies, suh as visits to the dentist, optial items and physiotherapy. Perentage bak at Members Choie providers When you have Top 85 Working Visa Health Insurane and visit a Members Choie extras provider for eligible servies, you ll get a perentage bak of the harge (up to appliable limits). For more details, see the table on page 15. And, you're also overed for: Repatriation benefit If you or any other member inluded on your membership has to be repatriated to your home ountry due to a substantial life-altering disability. Medibank may arrange and pay the reasonable ost of return travel with the appropriate medial supervision. See page 5 for more information. Fixed benefit at Non Members Choie providers A fixed benefit is the maximum amount we ll pay for eah servie or item (up to appliable limits). Usually it will be less than the provider s harge, whih means you may have out-of-poket expenses to pay. Annual limits Our Top 85 Working Visa Health Insurane over has annual limits. This is the maximum amount we ll pay for items or servies in a alendar year. The benefit we pay for a partiular item or servie may be less than the annual limit and less than your provider s harge, whih means you may have out-of-poket expenses to pay. See page 23 for more information. Orthodonti entitlement You start with an opening balane in the first year and you re topped up with an additional amount eah full alendar year of membership up to a maximum lifetime limit for your level of over. One you ve served your 12 month waiting period, you an laim up to 100% of your balane. See page 22 for more information. Benefit replaement period Benefit replaement periods may apply for some items/servies. See page 21 for more information. 11

12 Working Visa Hospital Insurane What's overed Hospital Medial Item/Servie Ambulane servies (see page 20 for more information) Knee reonstrution surgery & investigations Shoulder reonstrution surgery & investigations Appendiitis treatment Removal of tonsils & adenoids Surgial removal of wisdom teeth (for hospital harges only. See page 22.) Palliative are Psyhiatri treatment Rehabilitation treatment Heart-related servies Obstetris-related servies eg. pregnany Plasti & reonstrutive surgery (exludes osmeti surgery) Fertility treatment eg. IVF & GIFT programs Major eye surgery inluding atarat & lens-related servies Hip & knee joint replaement surgery Renal dialysis All other in-hospital servies reognised for Mediare benefit purposes Aess to Mi Health support servies Working Visa Hospital Insurane 24/7 Health Advie Line / Hospital Support / Mobile Health Apps Item/Servie Benefits for in-hospital medial Benefits for out-of-hospital medial What's overed? Hospital In-hospital medial Working Visa Hospital Insurane b Key: Servies we pay benefits towards. Servies we don t pay benefits toward. Note: Cosmeti treatment/proedures are exluded on all Medibank overs. For more information inluding other benefit assessment information, please refer to Things worth knowing on pages Your exess $300 Waiting periods may apply, inluding the 2 month waiting period on in-hospital psyhiatri treatment, rehabilitation treatment and palliative are (regardless of whether or not the ondition is pre-existing), 12 months for pre-existing onditions and for obstetris-related servies. 12

13 Working Visa Hospital and Medial Insurane What's overed Hospital Item/Servie Ambulane servies (see page 20 for more information) Knee reonstrution surgery & investigations Shoulder reonstrution surgery & investigations Appendiitis treatment Removal of tonsils & adenoids Surgial removal of wisdom teeth (for hospital harges only. See page 22.) Palliative are Psyhiatri treatment Rehabilitation treatment Heart-related servies Obstetris-related servies eg. pregnany Plasti & reonstrutive surgery (exludes osmeti surgery) Fertility treatment eg. IVF & GIFT programs Major eye surgery inluding atarat & lens-related servies Hip & knee joint replaement surgery Renal dialysis All other in-hospital servies reognised for Mediare benefit purposes Working Visa Hospital and Medial Insurane Medial Item/Servie Benefits for in-hospital medial Benefits for out-of-hospital medial What's overed? Hospital In-hospital medial Out-of-hospital medial Working Visa Hospital and Medial Insurane Key: Servies we pay benefits towards. Note: Cosmeti treatment/proedures are exluded on all Medibank overs. For more information inluding other benefit assessment information, please refer to Things worth knowing on pages Aess to Mi Health support servies 24/7 Health Advie Line / Hospital Support /Mobile Health Apps Your exess $300 Waiting periods may apply, inluding the 2 month waiting period on in-hospital psyhiatri treatment, rehabilitation treatment and palliative are (regardless of whether or not the ondition is pre-existing), 12 months for pre-existing onditions and for obstetris-related servies. 13

14 Top 85 Working Visa Health Insurane What's overed Hospital Medial Item/Servie Ambulane servies (see page 20 for more information) Knee reonstrution surgery & investigations Shoulder reonstrution surgery & investigations Appendiitis treatment Removal of tonsils & adenoids Surgial removal of wisdom teeth (for hospital harges only. See page 22.) Palliative are Psyhiatri treatment Rehabilitation treatment Heart-related servies Obstetris-related servies eg. pregnany Plasti & reonstrutive surgery (exludes osmeti surgery) Fertility treatment eg. IVF & GIFT programs Major eye surgery inluding atarat & lens-related servies Hip & knee joint replaement surgery Renal dialysis All other in-hospital servies reognised for Mediare benefit purposes Aess to Mi Health support servies Top 85 Working Visa Health Insurane 24/7 Health Advie Line / Hospital Support / Mobile Health Apps Item/Servie Benefits for in-hospital medial Benefits for out-of-hospital medial Top 85 Working Visa Health Insurane Key: Servies we pay benefits towards. Note: Cosmeti treatment/proedures are exluded on all Medibank overs. For more information inluding other benefit assessment information, please refer to Things worth knowing on pages Members Choie extras providers We ve negotiated apped harges or disounts with the following healthare professionals so you an laim 85% bak * : Dental Physio Chiro Naturopathy Optial Items Aupunture Remedial Massage Podiatry Plus at all optial retailers, you an laim 100%* bak on a range of glasses or ontat lenses. See page 7 for more information about Members Choie. * Where eligible and subjet to your annual limits and waiting periods. What's overed? Hospital In-hospital medial Out-of-hospital medial Extras Exess options No exess $300 Waiting periods may apply, inluding the 2 month waiting period on in-hospital psyhiatri treatment, rehabilitation treatment and palliative are (regardless of whether or not the ondition is pre-existing), 12 months for pre-existing onditions and for obstetris-related servies. 14

15 Get a free dental hek-up With Top 85 Working Visa Health Insurane you get a free dental hek-up, sale and lean (exludes x-rays) per person, per alendar year at a Members Choie dentist. Extras With Top 85 Working Visa Health Insurane, we ll pay benefits towards the items and servies listed in this table. It shows the annual limits that apply per person per alendar year. The benefit we pay for a partiular item or servie may be less than the annual limit and less than your provider s harge, whih means you may have out-of-poket expenses to pay. Item/Servie Waiting period # Top 85 Working Visa Health Insurane General dental Inludes preventative treatment, dental examinations, sale & lean Surgial dental proedures 2 months 12 months No annual limit Optial items Physiotherapy Chiroprati Osteopathy Natural therapies Major dental 100% bak up to your annual limit inludes frames, presription lenses & ontat lenses Inludes onsultations, group pilates & hydrotherapy sessions Consultations for naturopathy, aupunture & remedial massage Consultations for myotherapy, reflexology, kinesiology, Chinese & Western herbalism, exerise physiology, shiatsu, aromatherapy, homeopathy, Bowen therapy, Alexander tehnique & Feldenkrais Endodonti servies (eg. root anal) Periodontis (i.e. treatment of gum disease) Crowns, dentures & bridges Major restorative fillings (eg. veneers) 6 months $250 2 months $700 2 months $500 2 months 2 months $ months $1,200 Orthodontis eg. braes (see page 22 for more information) 12 months $1,000 opening balane top up of $500 per year up to $3,000 lifetime limit Presription Pharmaeutials (non-pbs) For presriptions only. Benefits will be paid after a set harge has been deduted (see page 21 for more information) 2 months $600 Dietetis 2 months $500 Podiatry Inludes speified orthotis 2 months $500 Clinial psyhology Consultations only 2 months $500 Oupational therapy 2 months $500 Speeh therapy 2 months $500 Eye therapy 2 months $500 Breathing applianes Peak flow meters, nebulisers & spaing devies 12 months Blood gluose monitors & blood pressure monitors 100% bak up to your annual limit 24 months Hearing aids 36 months $1,200 Health applianes & external prostheses eg. insulin delivery pens 2 months $500 $250 # The 2 month waiting period is waived when the servie arises from an aident. Note: benefit replaement periods may apply for some items. See page 21 for more information. 15

16 Manage your membership online Medibank Online Member Servies is a onvenient way of managing your membership online. You an submit laims, make payments and aess health programs 24/7. By logging into Online Member Servies you an make the most of your membership. Make an extras laim and view laiming history* Aupunture Chiroprati Dental Eye therapy Osteopathy Pharmaeutials (non-pbs) Medibank Mobile App The Medibank Mobile App is free for anyone with a ompatible iphone or Android mobile. If you've registered for Online Member Servies you an use your login details to aess the app. You an download the app from the App Store on iphone or Android Market on Android mobiles. There are other apps you an aess as a Medibank member, see page 6 for more information. iphone is a trademark of Apple In. Android is a trademark of Google In. App store is a servie mark of Apple In. Dietetis Myotherapy Naturopathy Oupational therapy Optial items Orthodontis Physiotherapy Podiatry Clinial psyhology Remedial massage Speeh therapy Make a dotor's laim (GP only)^ Register and Login You an register for Online Members Servies at To login visit If you're having trouble registering please all us on Manage payments Pay premiums or renew membership Change payment type View payment details Manage your membership Manage your mailbox and send seure mail to us View membership details Download brohures and forms Order a replaement membership ard Request to suspend membership Update ontat details Register your bank aount details to reeive benefits for extras laims by EFT * Only available to members with Top 85 Working Visa Health Insurane. ^ Not available on Working Visa Hospital Insurane over Waiting periods may apply to some servies. Please note: All urrent Medibank members aged 16 years and over an use Online Member Servies. If you re the poliy holder, you'll have aess to all the features under your over type. Aess to some funtions may be limited for your spouse/partner and dependants. 16

17 Things worth knowing Understanding private health insurane an be ompliated. This setion is designed to help make things a little easier for you. It ontains some important information about our overs along with explanations of ommonly used terms you may not be familiar with. It also gives you an overview of some of our key rules. It s important you have a good look through the Working Visa Health Insurane Membership guide whih is available at medibank.om.au You ll also reeive a opy of this one you join. This ontains a summary of the rules of your membership (known as our Fund rules) things like your responsibilities as a member. It s important to read the Cover summary where you ll reeive further details about your over and entitlements. Helping you hoose the right over Am I eligible for Working Visa Health Insurane? Medibank Working Visa Health Insurane overs are only available to people who are in Australia and on Medibank's list of eligible working-type visas. See page 9 for more information. We may require proof of eligibility suh as a opy of your visa. Medibank an transfer anyone who is not eligible for our Working Visa Health Insurane overs to an alternative over. We an bakdate this hange and require you to pay any additional premiums and/or repay any higher benefits you reeived on your Working Visa Health Insurane over. So it s important that you let us know if your visa status hanges. Reiproal Health Care Agreements Australia has Reiproal Health Care Agreements (RHCA) with the United Kingdom, New Zealand, Italy, Belgium, Malta, the Netherlands, Slovenia, Sweden, Finland, Norway and the Republi of Ireland. If you re a resident of a ountry whih has a Reiproal Health Care Agreement with Australia, you may be entitled to restrited aess to Mediare, but only for medially neessary treatment. Post-arrival time limits and other restritions may apply. So be sure to hek what you re overed for before relying on a Reiproal Health Care Agreement. For further information, please ontat Mediare on What if I m an international student? If you re an international student with a valid student visa, our Working Visa Health Insurane overs will not meet your student visa requirements. We reommend you purhase Medibank Overseas Student Health Cover (OSHC) whih is speifially designed with the needs and budgets of students in mind. You an purhase your OSHC online at medibank.om.au/osh or visit a Medibank store. What happens if I beome a permanent resident? When your resideny status hanges remember to all us on or visit a store to review your over and disuss your over options. 17

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