CBHS Overseas Worker Top Hospital & Medical Cover

CBHS International Health offers Overseas Worker Top Hospital & Medical Cover for individuals working in Australia on temporary visas, such as the Subclass 482 (TSS), 485 (Temporary Graduate), and 403 (Temporary Work Visa). This comprehensive health cover ensures you have access to quality healthcare during your stay while meeting visa requirements.

Key Benefits of CBHS Overseas Worker Top Hospital & Medical Cover

✅ Extensive Hospital & Medical Coverage

• Covers 100% of Medicare Benefits Schedule (MBS) fees for eligible in-hospital treatments.
• Access to private and public hospitals.
• Includes doctor (GP) consultations and specialist visits.
• Covers surgical procedures, diagnostic tests, and imaging (x-rays, pathology, etc.).
• Emergency ambulance services included.

✅ Pharmaceutical Benefits

• Covers a portion of prescription medication costs (up to a set annual limit).

✅ Maternity & Pregnancy Cover (waiting periods apply)

• Covers pre-natal, birth, and post-natal hospital care.

✅ Access to Private Hospitals

• Ability to choose a private hospital and doctor for treatments.

✅ No Excess for Hospital Admissions (on select plans)

• Some plans have $0 excess, meaning no upfront costs for hospital admissions.

✅ Meets Australian Visa Requirements

• Fully compliant with 482, 485, and 403 visa health insurance requirements set by the Department of Home Affairs.

What’s Not Covered?

Dental, optical, and physiotherapy – These require Extras Cover.
Elective cosmetic surgery and non-essential treatments.
Pre-existing conditions may have waiting periods.

Making a Claim with CBHS

1. Visit a doctor, specialist, or hospital and show your CBHS membership details.
2. Pay upfront (if required) and keep your receipts.
3. Submit a claim online via the CBHS Member Portal.
4. Get reimbursed quickly for eligible medical expenses.

Need Help Choosing the Right Plan?

CBHS offers different OVHC plans based on your visa type and healthcare needs. Let me know if you’d like help comparing options!