Hospital cover
* Price calculated for singles membership in NSW (varies from State to State) with the highest excess level available. Price for customers eligible for the 30% Australian Government Rebate and nil Lifetime Health Cover loading. Rebate levels vary from 0% to 40%, which you can change when you get a quote. Minimum payment frequency is fortnightly. Please click here for information on your payment options.
Take a look ...
If you're young and want hospital cover for more than things like wisdom teeth removal, knee reconstructions and appendicitis or to avoid paying extra tax.
What's included?
Cover for most services including common investigative procedures like colonoscopies and endoscopies.
Purchase with...
Basic Hospital can be purchased on its own, or with an extras cover of your choice.
| Services |
Included: |
| Ambulance services - (more info >) | Yes |
|---|
| Knee reconstruction surgery and investigations | Yes |
|---|
| Shoulder reconstruction surgery & investigations | Yes |
|---|
| Appendicitis treatment | Yes |
|---|
| Removal of tonsils and adenoids | Yes |
|---|
Surgical removal of wisdom teeth
(for hospital charges only) | Yes |
|---|
| Colonoscopies | Yes |
|---|
| Palliative care | Yes |
|---|
| Psychiatric treatment | Restricted |
|---|
| Rehabilitation treatment | Restricted |
|---|
| Heart-related services | No |
|---|
| Obstetrics-related services | No |
|---|
| Fertility treatment (e.g. IVF & GIFT programs) | No |
|---|
| Plastic & reconstructive surgery | No |
|---|
| Major eye surgery - including cataract & lens-related services | No |
|---|
| Hip & knee joint replacement surgery | No |
|---|
| Renal dialysis | No |
|---|
| All other in-hospital services where a Medicare benefit is payable | Yes |
|---|
| Excess options | $250 or $500 |
|---|
| Access to Mi Health support services | Medibank Nurse 24/7,
Hospital Support, Online Health Hub,
Mobile Health Apps |
|---|
What benefits are paid?
For the services included under each of our covers, we'll pay benefits (less any applicable excess) towards:
- private hospital accommodation
- overnight accommodation in a private or shared room
- same day admissions
- intensive care
- theatre fees
- public hospital accommodation as a private patient
- overnight accommodation in a private or shared room
- same day admissions (shared room only)
- doctors' fees for in-hospital medical services when you're treated as a private patient
- surgically implanted prostheses and other items on the Federal Government's Prostheses Schedule
- eligible ambulance services where immediate professional attention is required
What's an excess?
If you have an excess on your cover, you pay
this amount towards the cost of your hospital
treatment. The higher the excess on your cover,
the lower your premium. An excess applies per
person per calendar year and doesn't apply to
children on your membership.
It's important to note that you may have other out-of-pocket expenses. Please refer to Things worth knowing for more information.
Key
- Yes
- Services we pay benefits for
- No
- Services we don't pay benefits for
- Restricted
- Services we pay limited benefits for in a private hospital. It's important to consider whether you're likely to need these services because, the benefits for restricted services generally won’t cover the full cost of treatment in a private hospital and you may end up with significant out-of-pocket expenses.
Waiting periods apply including the general 2 month waiting period and 12 months for pre-existing conditions. For more information including other benefit assessment information, please refer to Things worth knowing.
Note: Cosmetic surgery/procedures are excluded on all Medibank covers.
