Hospital cover
* Price calculated for singles membership in NSW with the highest excess level available. This includes the Federal Government Rebate and a 0% Lifetime Health Cover loading. Young Hospital must be purchased with your choice of Basic or Top Extras cover. The price shown is based on Young Hospital and Basic Extras 55. The minimum payment frequency is fortnightly. Please click here for information on your payment options.
Take a look ...
If you're young, healthy and just want our most basic hospital cover in case of an accident.
Young Hospital cover is only available as a singles/couples membership, and must be taken with an eligible extras cover.
What's included?
5 basic services plus treatment for injuries sustained in an accident.
Purchase with...
Must be taken with Basic or Top Extras.
| 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 | No |
|---|
| Palliative care | Restricted |
|---|
| 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 | No |
|---|
| Excess options | No excess |
|---|
Note: Services which are normally excluded or restricted will be covered where treatment is required for injuries sustained in an accident.
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 may apply including the general 2 month waiting period and 12 months for pre-existing ailments. For more information including other benefit assessment information, please refer to Things worth knowing.
Note: Cosmetic surgery/procedures are excluded on all Medibank covers.