More control over your hospital stay
While the Australian government covers some medical expenses through the Medicare system, private health insurance offers greater choice to members. That’s why almost half of all Australians have private health cover.
Choose your doctor
Get continuous care from the person who knows your medical history best. And get additional savings if they’re a Members’ Choice provider.
Choose your hospital
Make life easier by being treated closer to home. And reduce costs by choosing a Members’ Choice provider.
Choose when you're treated
Avoid long waits and make sure hospital treatments happen at the most convenient time for you. Discuss the best date with your doctor.
Without private health cover
$7,090 Average cost of childbirth at a private hospital
$39,200 Average cost for a heart bypass at a private hospital
Based on Medibank claims information for 2010/11. Includes hospital, in-hospital medical and prostheses charges only. Costs vary depending on the hospital, provider, and from state to state.
17 days Average wait for heart surgery in a public hospital
108 days Average wait for a hip replacement in a public hospital
National waiting times at 50th percentile as reported by the Australian Institute of Health and Welfare, Australian Hospital Statistics 2010-2011.
How it works
Most private health funds offer separate cover for hospital treatments and out-of-hospital services. Generally speaking, the higher the level of cover you choose, the more treatments and services you’re covered for, and the more money you get back when you claim.
contributes to the costs of treatments in a private hospital, as well as ambulance^ transport.
covers some of the costs of
non-hospital services like dental, physio, optical and more.
^Tasmania and Queensland have State schemes that cover ambulance services for residents of those States.