Corporate Overseas Visitors' Cover
Are you:
- Working in Australia?
- Here for 12 months or more?
- Not eligible for full Australian Medicare benefits?
If you answered 'yes' to these questions, then you and your partner and your dependants can join MBF Corporate Overseas Visitors' Cover. You'll enjoy the peace of mind of quality health cover for as long as you stay in Australia.
- Are you eligible for Medicare?
- How much does it cost?
- What's covered?
- Reap rewards with MBF
- Important information
- How can I apply?
Are you eligible for Medicare?
Medicare is Australia's public health funding system that offers medical and hospital care to eligible Australian residents and citizens.
In most cases, Medicare cover for visitors is limited to immediately necessary or emergency medical treatment. MBF Corporate Overseas Visitors' Cover adds to that protection to give you peace of mind about healthcare costs for you and your family while staying in Australia.
If you are from the United Kingdom, Ireland, Malta, Sweden, Finland, Italy, New Zealand, Norway or the Netherlands, you may have some limited protection from Medicare. The level of protection Medicare gives you depends on which country you come from. To find out if you have access to Medicare and what level of protection you are eligible for, you should call Medicare on 132 011.
How much does it cost?
| Cover | Yearly Premium($AUD) |
|---|---|
| Singles cover | $2,100.12 |
| Couples/Families cover | $4,200.24 |
| Single Parent Families cover | $3,507.24 |
What's covered?
MBF Corporate Overseas Visitors' Cover not only provides hospital cover, but also helps pay for a wide range of extras services such as general dental, optical and physiotherapy and many more.
Check out the details of your cover in the tables below:
- Corporate Overseas Visitors' Cover details [PDF, 70k]
- Corporate Overseas Visitors' Extras Cover table [PDF, 47k]
Reap rewards with MBF
By joining MBF, you'll enjoy extra benefits that will make your stay in Australia more rewarding, including:
- Great discounts and special deals on travel, accommodation, sporting goods, movie tickets, books, CDs, theme park entry and more through MBF in2life Partners
- Subscription to Living Well, our quality health and lifestyle magazine
Important information
When does my cover begin?
- If you are already in Australia, your cover starts 24 hours after payment is received and your application is accepted.
- If your application and payment are made and accepted before you enter Australia, your cover starts from the date you arrive in Australia. You may be required to show proof of your date of arrival, such as an airline boarding pass, before you can claim. Payments and membership are explained in more detail in the MBF Policy Terms & Conditions.
For certain medical conditions, waiting periods apply and you will have to serve the relevant waiting period before your treatment expenses are covered.
Waiting periods
Before you can claim for the cost of treating certain medical conditions, you must be a customer of MBF Corporate Overseas Visitors' Cover for a certain length of time, known as a waiting period. There is a 12-month waiting period for obstetrics and two months for other conditions. Treatment for pre-existing aliments, illnesses or conditions are not covered.
However, there is no waiting period for Emergency Ambulance transport, or hospital treatment of injuries caused by an Accident that occur after joining MBF.
Medical Gap Scheme
Each doctor or medical practitioner involved in your hospital treatment can choose to participate in the MBF Medical Gap Scheme. If they choose to take part in the scheme for your treatment, your MBF Corporate Overseas Visitors' Cover will cover 100% of their charges up to your overall Limit. If they choose not to participate in the MBF Medical Gap Scheme, some charges may apply. As all doctors and medical practitioners in Australia are independent of any private health insurance, we cannot guarantee a 'no gap' doctor in every area.
Lifetime Health Cover premium loadings
Please note that membership of MBF Corporate Overseas Visitors' Cover does not qualify you for Lifetime Health Cover (LHC) purposes, and will not enable you to avoid LHC premium loadings should you join another hospital cover option in the future.
Medicare Levy
MBF Corporate Overseas Visitors' Cover does not help you avoid the additional 1% Medicare levy surcharge for high income earners applied by the Federal Government.
Planning to extend your stay or become an Australian resident or citizen?
In general, MBF Corporate Overseas Visitors' Cover is designed to cover visitors to Australia - those who are planning to work in Australia for 12 months or more.
If you stay longer, depending on your country of origin, you may become eligible for full Medicare cover. Similarly, if you apply for residency or citizenship of Australia and are accepted, or your circumstances otherwise change, then MBF Corporate Overseas Visitors' Cover may no longer be suitable for you.
You should let MBF know if your circumstances change so we can show you our wide range of alternative health cover options, which we can match to all age, budget and lifestyle needs.
How can I apply?
Application for MBF Corporate Visitors' Cover is easy. Simply complete the steps below and you'll be on your way to quality health cover in Australia.
- Print out the MBF membership application and AutoPay authority
- Please read the table on What's covered and what's not covered and the MBF Policy Terms & Conditions. These are a summary of MBF's by-laws and Privacy Statement
- Complete all details on the MBF membership application, pages 5 and 6
- Read the declaration and sign the signature panel
- Return your application to MBF by:
- Posting it to (no postage stamp required):
Reply Paid 9809 MBF
GPO Box 9809
Brisbane QLD 4001 - Dropping it into any MBF Centre
- Faxing it to 1300 139 623
- Posting it to (no postage stamp required):
If you would like any assistance, please call MBF on 1300 653 525.
