Ultra Health 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. The minimum payment frequency is fortnightly. Please click here for information on your payment options.
Take a look ...
If you simply want our most comprehensive hospital and extras cover in one combined package that includes private room priority, no excess, and our widest range of extras services including laser eye surgery.
What's included?
Simply the best combined hospital and extras
cover Medibank has to offer. Includes cover
for all services under Top Hospital and Top Extras with 100% back at Members' Choice extras providers.
Purchase with...
Ultra Health Cover combines our most comprehensive hospital and extras cover in a simple package. Ultra Health Cover can only be purchased as a combined package.
Hospital component
| 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 | Yes |
|---|
| Rehabilitation treatment | Yes |
|---|
| Heart-related services | Yes |
|---|
| Obstetrics-related services eg. pregnancy | Yes |
|---|
| Fertility treatment (e.g. IVF & GIFT programs) | Yes |
|---|
| Plastic & reconstructive surgery (excludes cosmetic surgery) | Yes |
|---|
| Major eye surgery - including cataract & lens-related services | Yes |
|---|
| Hip & knee joint replacement surgery | Yes |
|---|
| Renal dialysis | Yes |
|---|
| All other in-hospital services where a Medicare benefit is payable | Yes |
|---|
| Excess options (More Info >) | No Excess |
|---|
| Access to Mi Health support services | Medibank Nurse 24/7,
Hospital Support, Online Health Hub,
Mobile Health Apps |
|---|
Waiting periods 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.
Note: no benefits are payable for cosmetic surgery on any of our products.
Extras component
We'll pay benefits towards the items and services listed in the table below. It shows the relevant waiting periods and the annual limits that apply per person per calendar year under each level of cover.
| Services |
Annual $ limit covered: |
Waiting period: |
| Ambulance services (More Info >)
100% cover under all levels of extras
|
No annual limit |
2 months |
 General dental (includes preventative treatment, dental examinations, scale & clean)
|
No annual limit |
2 months |
| General dental (surgical dental procedures)
|
12 months |
| Optical items
100% back up to your annual limit on frames, prescription lenses & contact lenses
|
$300 |
6 months |
| Physiotherapy
Includes consultations, group pilates & hydrotherapy sessions
|
$1000 |
2 months |
| Chiropractic
| $750 |
2 months |
| Osteopathy
| 2 months |
| Natural therapies
Consultations for naturopathy, acupuncture & remedial massage
Consultations for myotherapy, reflexology, kinesiology, Chinese & Western herbalism, exercise physiology, shiatsu, aromatherapy, homeopathy, Bowen therapy & Alexander technique & Feldenkrais.
|
$500 |
2 months |
Major dental^
- Endodontic services (eg. root canal)
- Periodontics (i.e. treatment of gum disease)
- Crowns, dentures & bridges
- Major restorative fillings (eg. veneers)
|
$1,600 |
12 months |
| Orthodontic
eg. braces
(More Info >)
|
$1500 opening balance top up of $500 per year up to $3,500 lifetime limit |
12 months |
| Prescription Pharmaceuticals (non-PBS)
Includes most prescribed items not subsidised by the Government (non-PBS items). Benefits will be paid after a set charge has been deducted
|
$800 |
2 months |
| Dietetics
| $600 |
2 months |
| Podiatry
Includes specified orthotics
|
$600 |
2 months |
| Clinical psychology
Consultations only
|
$600 |
2 months |
| Occupational therapy
| $600 |
2 months |
| Speech therapy
| $600 |
2 months |
| Eye therapy
| $600 |
2 months |
| Breathing appliances
Peak flow meters, nebulisers & spacing devices
|
$300 |
12 months |
| Blood glucose monitors & blood pressure monitors
100% back up to your annual limit
|
24 months |
| Hearing aids
| $1,600 |
36 months |
| Health appliances and external prostheses
eg. insulin delivery pens
|
$600 |
2 months |
| Laser eye surgery
Where no Medicare benefit is payable
|
$3500 lifetime limit |
36 months |
| Health subscriptions
For specified health bodies & associations
|
$100 |
2 months |
| Health screening services
Where no Medicare benefit is payable
|
$200 |
2 months |
| Private hospital accident & emergency facility fees
| $250 |
2 months |
| Home nursing
| $500 |
2 months |
^ Major dental - higher annual limits apply to major dental treatment received in WA for Top Extras 70, Top Extras 85 and Ultra Health Cover.
Please call us on 134 190 for more details.
Please note, Members' Choice extras providers may not be available in some areas. Find your nearest Members' Choice provider.
Hospital Information
What benefits are paid?
For services covered we pay benefits towards:
- private hospital accommodation
- public hospital accommodation as a private patient
- 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.
Private room priority at a Members' Choice hospital
If you request a private room for your hospital treatment in a Member’s Choice hospital 24 hours in advance, and there isn’t a room available, you can receive $50 a night up to a maximum of five nights per stay.
You'll need to make sure you request a private room at least 24 hours before your stay as well as provide supporting documentation from the hospital about your request.
More information about private room priority eligibility.
How does the Ultra bonus work?
The Ultra Bonus will be used automatically to help reduce eligible out-of-pocket costs. So if we’ve paid a benefit for your hospital or in-hospital medical expenses and you still have some out-of-pockets, the Ultra bonus could help reduce them.
Here’s how it works:
- you have an amount on joining and an amount each year on 1 January.
- any unused bonus will be added to the following year’s entitlement.
- a 6 month waiting period applies before you can use it.
The Ultra bonus can only be used where we pay benefits under this cover.
Note: Ultra bonus limits apply per membership – not per person.
Extras Information
Up to 100% back at Members' Choice providers
You’ll get up to 100% back of the charge when you visit a Members’ Choice extras provider for eligible services (up to applicable limits) and for other providers and some items you’ll get a fixed benefit.
Optical
Plus at all optical retailers, you can claim 100%** back on a range of frames, prescription lenses or contact lenses regardless of your level of extras cover. Find out more about Members' Choice.
** For eligible services up to your annual limit.Waiting periods apply.
Orthodontic entitlement
You start with an opening balance in the first year which is topped up with an additional amount each full calendar year of membership (excluding any waiting periods) up to a maximum lifetime limit for your level of cover. Once you've served your 12 month waiting period, you can claim up to 100% of your balance.
Teeth whitening
Teeth whitening is an additional benefit available with
Ultra Health Cover with a $400 limit that can be used
every 3 years. Limited benefits for teeth whitening are available on other extras cover under general dental.
Fixed benefit at non Members' Choice providers
A fixed benefit is the maximum amount we’ll pay for each service or item (up to applicable limits) and it may be less than the providers charge. Generally, the higher the level of cover you choose, the higher the fixed benefit which will help reduce your out-of-pocket expenses - Click here for more information on benefits.
Annual limits
This is the maximum amount we'll pay for items or
services in a calendar year. The benefit we pay for
a particular item or service may be less than the
annual limit and less than your provider's charge,
which means you may have out-of-pocket expenses
to pay.
Benefit replacement period
Benefit replacement periods may
apply for some services/items. More information on benefit replacement periods.