Going to hospital

Being safer in hospital

We understand that going to hospital can be quite a daunting experience and you're probably not entirely sure what to expect.

At Medibank we do more than just pay the bills. We help you access advice and support as well as provide you with information you might need for your time in hospital and beyond, so you can focus on getting better sooner.

With you every step of the way

When you're with Medibank Private Health Insurance, you can relax and enjoy the peace of mind that comes with knowing we're with you every step of the way.

Call us on 134 190 before you go to hospital to find out what you're covered for and the sort of questions you should ask, as well as for any other advice you may need.

Check the Australian Government’s myHospitals website for information on public and private hospitals.

GapCover is available with all Medibank hospital covers. For more information about GapCover, please refer to our going to hospital booklet.

About to go to hospital? Know what you're up for.

Going to hospital can be daunting enough without unexpected bills. To avoid the surprises, there are 3 simple questions to ask before you go:

  1. Is your doctor offering a 'no-gaps' service? If no, you're likely to have an additional fee to pay. Ask your doctor to explain any charges up front.
  2. Is the hospital a Medibank Members' Choice hospital? If no, you're likely to have to pay an additional 'hospital accommodation cost'. This is on top of any excess or co-payment you may pay and on top of the amount Medibank pays the hospital on your behalf. Ask the hospital about any additional 'hospital payments' before booking in.
  3. Are there any other health care providers needed in your treatment? And what are their costs? For example, you may need an anaesthetist, radiologist, physiotherapist or some other health professional not covered by the hospital. If you require diagnostic tests during your hospital stay, like pathology or radiology, you may have to pay the difference between the charge for in-hospital medical services (e.g. doctors’ services, pathology and radiology) and what you receive from Medibank and Medicare. Our Informed Financial Consent guide (below) helps you ask the right questions so you can make better, more informed choices. You could also you pay less.

The answers to these questions may not change any of the choices you make. The important thing is that you are as informed as possible, so you can make the best decision about your own personal health care.

Information for download

Forms