About packaged covers
Why choose a packaged cover?
Convenience
We've designed covers that combine similar levels of hospital and extras in one convenient package. There are different packages to suit different needs and budgets.
Added value of bonuses
If you choose one of our packaged covers you'll be rewarded with a bonus each year. Under SmartPlus and AdvantagePlus, your PackageBonus can help pay for a range of approved Membership and health related expenses. If you choose MyOptions you will receive a yearly Flexi-Bonus which you can use to cover natural therapies or to top up your Benefits for any of the extras services covered.
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.
Extras
With extras cover, we can help you with the costs of services like dental treatment, physiotherapy and optical items.
Medically Necessary Ambulance Transport
Benefits for Medically Necessary Ambulance Transport are included in all packaged 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.
Ways to get more from your packaged cover
Members' Choice Hospitals
If you need to go to hospital it makes sense to choose one from our Members' Choice Network. We've negotiated agreements with the majority 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.
Members' Choice Extras Providers
We have negotiated agreements with a large number of extras providers across Australia to provide you with greater value, and in most cases, higher Benefits for treatments, capped fees or discounts on some services. Our Members' Choice Network includes a wide range of extras providers including dentists, dental prosthetists, optical retail outlets, chiropractors, physiotherapists, podiatrists, acupuncturists and naturopaths.
Therefore, if you choose to be treated by a Members' Choice Extras Provider you can get more from your cover, including:
- a free check-up, scale and clean twice a year at a Members' Choice dentist
- great deals with our Members' Choice optical retail network including: 20% minimum discount off the normal retail price of frames and 15% discount off lenses, contact lenses, add-ons and sunglasses.
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 or 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 or 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