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 are 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 may apply including the general 2 month waiting period, 12 months for pre-existing conditions and a 12 month waiting period for obstetrics-related services. For more information including other benefit assessment information, please refer to Things worth knowing.

Young Hospital

• for single or couple memberships only
• only available with one of our new extras covers
• services which are normally excluded or restricted will be covered where treatment is required for injuries sustained in an accident

Note: Cosmetic surgery/procedures are excluded on all Medibank covers.