About hospital covers
Why choose Medibank Private hospital cover?
Choice of doctor and hospital
With hospital cover, you have greater control over who treats you, where you are treated and how soon. You can choose your own doctor as well as which hospital you'd prefer to attend, including receiving treatment in a private or public hospital – the choice is yours.
Medically Necessary Ambulance Transport
Benefits for Medically Necessary Ambulance Transport are included in all our hospital covers, except where there is an entitlement to benefits under third party arrangements such as State Government ambulance transport schemes or ambulance subscription services.
betterhealth Programs
As a member with hospital cover, you'll have access to a range of health programs and services through our betterhealth Programs. Together with our health partners, we've designed programs to support your health and wellbeing - whatever stage of life you're at. Find out more.
Excess
An Excess is the amount you agree to pay if admitted to hospital in exchange for lower premiums.Your Excess is deducted from the Benefits we pay when you make a hospital claim. You can choose the Excess that best suits your budget.
Daily Co-payment
You can also lower your premium by choosing a cover that includes a Daily Co-payment. This is where you pay a set amount towards your stay in hospital if you are treated in a Members' Choice Hospital or Contracted Hospital.
Don't pay for things you're less likely to use.
Some of our covers have Restricted Services to help lower the cost of your cover. This means that we pay lower Benefits for services that we believe you're less likely to use, so you can enjoy lower premiums.
Members' Choice Hospitals
Through our Members' Choice Network, we've negotiated agreements with a large number of private hospitals across Australia. At a Members' Choice Hospital you can take advantage of:
- the capped fees we've negotiated
- convenient billing for the payment of Benefits, with your invoice sent directly to Medibank Private
- information on any out-of-pocket expenses prior to admission, where possible
- pre-admission advice, for planned treatment, to help you understand what to expect from your stay in hospital
- discharge planning advice, which covers medication instructions and scheduled follow-up appointments and services.
Reduce your costs with our GapCover Scheme
GapCover arrangements can help you minimise your out-of-pocket expenses for in-hospital medical services if your doctor/specialist elects to participate in Medibank Private's GapCover Scheme. Please discuss GapCover along with any out-of-pocket expenses you might incur with your doctor/specialist before treatment.
Call Me Back
If you would like a Medibank Private consultant to call you, just let us know when is suitable to call you.
Get me a quote
Other Joining Options
Call us on:
132 331 within Australia
+61 3 8622 5780 outside Australia
8am - 8pm Monday to Friday or
8am - 4pm on Saturday,
Australian Eastern Standard Time