COPY : Name/Names of Covered Member Date of Birth

5 January 2023
MADHOC_2092386524_2023_01_05
Policy number: 40965177J

***COPY***
Dear Mr NGUYEN,
Welcome to Australia!
And thanks for choosing Medibank to help look after your health during your stay.
Once you arrive in Australia, you will hold private health insurance that meets the requirements of the
Department of Immigration and Border Protection (DIBP) for the visa you told us you have. The DIBP has
listed their requirements in Attachment A.
Here are all the details of your health cover
Name/Names of covered member Date of birth

Duc Huy NGUYEN 24 July 1983
Health cover membership number: 40965177J

Cover name: Overseas Workers Standard Hospital $500 excess
and Medical
Policy scale: Single
Date your cover commences: 1 February 2023
Payment method: An upfront payment has been made
Membership date paid to: 31 January 2024
Please keep a copy of this letter for your records. If you lose it, visit us online at medibank.com.au/contact-
us for a new copy.
Please check the dates

The date your cover commences is the arrival date you gave us when you applied for health cover. You will
remain covered as long as your payments are up to date. If your schedule changes, please call us on +613
8622 5780 and let us know. If you’re already in Australia, vsit us online at medibank.com.au/contact-us with
proof of your arrival date and membership card, and we’ll update our records.
Information provided is correct at the date of issue and may, in part, be based on information provided by you. Medibank
Private membership is subject to our Fund Rules and policies. Premium rates, and the Fund Rules and policies, change
from time to time. Your personal information is handled in accordance with our Privacy Policy. You can view a copy of
our Fund Rules and Privacy Policy online at medibank.com.au
Completing your visa application
You can use this letter as part of your Australian visa application to confirm that you’ve arranged health
cover that meets your visa requirements. If you cancel or fail to renew your health cover, or if it’s
terminated, we are required to notify DIBP as they need to make sure visitors are complying with visa
condition 8501 (which requires all visa holders and accompanying family members to have suitable health
cover during their stay in Australia).
It’s important to know that if you don’t comply with a condition of your visa, it may result in your visa being
cancelled, or future applications being rejected.
More about your health cover membership
You will soon receive your Medibank membership card, Cover Summary and Membership Guide. They’ll give
you more information about your health cover, including benefits and waiting periods (for things like pre-
existing conditions). Make sure you read these documents so that you understand your entitlements.
Changing address or contact details?

It’s important that you let us know if you change your contact details, including address, email address or
phone number, in case we need to get in touch with you, or if you change visa subclass or gain permanent
residency, as the cover purchased may no longer be suitable for you.
We’re here to make things better

If you have any questions, visit us online at medibank.com.au/contact-us. We’ll be happy to help.
Yours sincerely
The team at Medibank

Attachment A
Insurance benefits at least equivalent to:
Public hospital – admitted patient treatment, a benefit equal to the State and Territory health authority
gazetted rates for ineligible patients for:
• overnight and day only hospital accommodation (all costs including: all theatre, intensive care, labour
wards, ward drugs);
• emergency department fees that lead to an admission;
• admitted patient care and post-operative services that are a continuation of care associated with an
early discharge from hospital.
Note: for the purpose of clarity this includes all admitted treatments covered by the Medicare Benefit
Schedule.
Surgically implanted prostheses – no gap prostheses and gap permitted prostheses as listed in the Private
Health Insurance (Prostheses) Rules 2007. Benefit at least equal to 100% of minimum benefit amount
listed.
Pharmacy – all PBS listed drugs that are prescribed according to the PBS approved indications, that are
administered during and form part of an admitted episode of care – a benefit equal to the PBS listed price in
excess of all the patient contribution.
Note: for the purpose of clarity, this definition is intended to include the cost of PBS listed drugs
administered post discharge – if they form part of the admitted episode of care.
Medical services – admitted medical services with an MBS item number – 100% of the Medicare Benefits
Schedule fee, or less if the patient is charged less.
Ambulance services – 100% of the charge, that is not otherwise covered by third party arrangements, for
transport by ambulance provided by, or under and arrangement with, a government-approved ambulance
service when medically necessary for admission to hospital, emergency treatment on-site, or inter-hospital
transfer for emergency treatment.
Note: for the purposes of clarity, the definition is intended to include inter-hospital transfers that are
necessary because the original admitting hospital does not have the required clinical facilities. It does not
extend to transfers due to patient preferences.
Other minimum health insurance policy features:
Informed Financial Consent
Insurers will make available membership eligibility checking to hospitals to enable the provision of
informed financial consent to members on admission.
Waiting periods
To comply with the minimum level of health insurance, the only waiting periods that maybe imposed are:
• 12 months for pregnancy related conditions;
• 12 months for pre-existing conditions applied in a way that is consistent with Section 75-15 of Private
Health Insurance Act 2007.
• 2 months for psychiatric, rehabilitation and palliative care, regardless of whether or not the condition
is a pre-existing.
Excluded treatments
To comply with the minimum level of health insurance, the only admitted patient treatments that may be
excluded are:
• Assisted reproductive treatments;
• Elective cosmetic treatments;
• Bone marrow and organ transplants;
Insurance policies may also exclude the following:
• Treatment rendered outside of Australia including treatment necessary en route to or
from Australia;
• Treatment arranged in advance of the insured’s arrival in Australia’
• Services and treatment which are covered by compensation and damages provisions of any kind.
Note: insurers are not required to exclude these treatments. A decision to cover them is at the discretion of
the insurer.
Global annual benefit limits
To comply with the minimum level of health insurance, the per person per annum benefit must not be less
than $1 million dollars.
Portability
To comply with the minimum level of health insurance, when determining waiting periods, insurers must
recognise previous length of membership on a policy held with another Australian insurer that meets the
minimum standards. That is:
• When transferring between Australian-based insurers where the customer has been a member of the
previous fund for greater than 12 months, waiting periods of no greater than 12 months will apply to
the higher level of benefits.
• When transferring between Australian-based insurers where the customer has been a member of the
previous fund for less than 12 months, any unserved waiting periods will need to be completed with the
new fund and if increasing the level of cover or benefits, additional waiting periods of no greater than
12 months will apply to the higher level of benefits. These waiting periods are served concurrently.
To comply with the minimum level of health insurance an insurer must agree to:
• Grant a member who seeks a transfer between Australian-based insurers, continuity of cover for up to
30 days from the date they leave the previous insurer; and
• Provide members, who terminate their policy, with a clearance certificate, approved by the Department
of Immigration and Citizenship, within 14 days of the date of termination or the date of notification of
the termination, whichever is the later.
Buy out clause
To comply with the minimum level of health insurance, a policy must not contain a buy out clause that has
the effect of terminating the insurers liabilities in exchange for a pre-determined lump sum payment.
Arrears
To comply with the minimum level of health insurance, an insurer will allow for acceptance of premiums for
60 days from the last financial date of membership without terminating the membership. Insurers are not
obligated to pay for treatments received during any arrears period until and unless the arrears are paid for
the relevant period.

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5 January 2023

Policy number: 40965177J

Name/Names of covered member Date of birth

Health cover membership number: 40965177J

Please check the dates

Changing address or contact details?

We’re here to make things better

The team at Medibank

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