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The amount you pay before Medibank contributes to your hospital costs.
The amount you can claim back at Members’ Choice providers, up to annual limits.
want 6 weeks free?
Join eligible combined hospital & extras cover and you could enjoy six weeks free plus 2&6 months waiting periods waived on extras. New members only. Offer extended to 31 July. ‡ Must use promo code: 6FREE
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Choosing Basic health cover with Medibank
As part of government reforms to health insurance, Medibank will categorise covers as ‘Gold’, ‘Silver’, ‘Bronze’ or ‘Basic’. This change aims to make it easier to compare covers and choose health insurance that is right for you.
Hospital cover that's designed to meet the needs of the young and healthy; no frills, no fuss health cover. You'll also receive the benefits of our top level of cover in the event of an Accident.+
Some of the services in Basic health insurance are:
- Rehabilitation
- Hospital psychiatric services
- Palliative care
If you’re young and healthy, Basic health insurance could be right for you. However, you should carefully consider which services are included, and familiarise yourself with any Restricted Services before making a decision. Restricted Services mean that if you choose to be treated in a private hospital, the benefits paid will not cover all hospital costs and are likely to result in significant out-of-pocket expenses.
Basic health insurance may be suitable for you if you are earning over $90,000 as a single (or $180,000 as a couple) a year and you want a lower cost cover to help you avoid paying the Medicare Levy Surcharge.
It might also be suitable if you want cover that is designed to look after you if you have an accident. Medibank Basic Accident and Ambulance cover gives you the benefits of our top level of hospital cover if you have an Accident+.
When considering Basic health insurance, it is worth having a read through the list of services included under Bronze, Silver and Gold covers to make sure you’re not missing out on something you might need, such as joint reconstructions or dental surgery.
If you’re looking for cover with a few more services included, but don’t want the expense of a Bronze health insurance, a Basic Plus health insurance might be right for you. These include products Medibank has designed especially for young, healthy people, like Medibank Basic Plus Healthy Start, which includes joint reconstructions, dental surgery and appendix removal.
Hospital treatments by clinical category
| Inclusion | Basic (View) |
Bronze (View) |
Silver (View) |
Gold (View) |
|---|---|---|---|---|
| Rehabilitation | ✓ R | ✓ R | ✓ R | ✓ |
| Hospital psychiatric services | ✓ R | ✓ R | ✓ R | ✓ |
| Palliative care | ✓ R | ✓ R | ✓ R | ✓ |
| Brain and nervous system | RCP | ✓ | ✓ | ✓ |
| Eye (not cataracts) | RCP |
✓ | ✓ | ✓ |
| Ear, nose and throat | RCP |
✓ | ✓ | ✓ |
| Tonsils, adenoids and grommets | RCP |
✓ | ✓ | ✓ |
| Bone, joint and muscle | RCP |
✓ | ✓ | ✓ |
| Joint reconstructions | RCP |
✓ | ✓ | ✓ |
| Kidney and bladder | RCP |
✓ | ✓ | ✓ |
| Male reproductive system | RCP |
✓ | ✓ | ✓ |
| Digestive system | RCP |
✓ | ✓ | ✓ |
| Hernia and appendix | RCP |
✓ | ✓ | ✓ |
| Gastrointestinal endoscopy | RCP |
✓ | ✓ | ✓ |
| Gynaecology | RCP |
✓ | ✓ | ✓ |
| Miscarriage and termination of pregnancy | RCP |
✓ | ✓ | ✓ |
| Chemotherapy, radiotherapy and immunotherapy for cancer | RCP |
✓ | ✓ | ✓ |
| Pain management | RCP |
✓ | ✓ | ✓ |
| Skin | RCP |
✓ | ✓ | ✓ |
| Breast surgery (medically necessary) | RCP |
✓ | ✓ | ✓ |
| Diabetes management (excluding insulin pumps) | RCP |
✓ | ✓ | ✓ |
| Heart and vascular system | RCP |
- | ✓ | ✓ |
| Lung and chest | RCP |
- | ✓ | ✓ |
| Blood | RCP |
- | ✓ | ✓ |
| Back, neck and spine | RCP |
- | ✓ | ✓ |
| Plastic and reconstructive surgery (medically necessary) | RCP |
- | ✓ | ✓ |
| Dental surgery | RCP |
- | ✓ | ✓ |
| Podiatric surgery (provided by a registered podiatric surgeon) | RCP |
- | ✓ | ✓ |
| Implantation of hearing devices | RCP |
- | ✓ | ✓ |
| Cataracts | RCP |
- | - | ✓ |
| Joint replacements | RCP |
- | - | ✓ |
| Dialysis for chronic kidney failure | RCP |
- | - | ✓ |
| Pregnancy and birth | RCP |
- | - | ✓ |
| Assisted reproductive services | RCP |
- | - | ✓ |
| Weight loss surgery | RCP |
- | - | ✓ |
| Insulin pumps | RCP |
- | - | ✓ |
| Pain management with device | RCP |
- | - | ✓ |
| Sleep studies | RCP |
- | - | ✓ |
| View Basic | View Bronze | View Silver | View Gold |
✓ - Indicates the treatment/service is a minimum requirement of the product category. The service must be covered on an unrestricted basis.
✓ R - Indicates the treatment/service is a minimum requirement of the product category. The service may be offered on a restricted cover basis.
RCP - Restricted cover permitted: indicates the treatment/service is not a minimum requirement of the product category. Insurers may choose to offer these as additional services on a restricted or unrestricted basis.
Blank - Indicates the treatment/service is not a minimum requirement of the product category. Insurers may choose to offer these as additional services; however, where offered these must be on an unrestricted basis.
Why choose Medibank?
Accident cover boost
With our Accident cover boost, you’ll benefit from our top level of cover if you have an accident, regardless of your level of cover. +
Discounts For Young Australians
To make health insurance more accessible, Medibank will be introducing discounts for younger adults. From 1 April 2019, if you’re aged 18-29 and take out an eligible hospital cover, you could get a discount between 2-10%, depending on your age. And if you stay on an eligible cover, you’ll maintain the same discount until you turn 41.
750 excess for lower health cover premiums
From 1 April, Medibank will offer hospital products with a $750 excess on selected hospital covers. Choosing a higher excess may help reduce your health cover premiums.
Not what you're looking for?
Mix 'n' match hospital & extras
Build your own package by choosing the level of hospital and extras cover that is right for you.
Hospital only cover
Help cover the cost of hospital treatments with hospital cover that suits you.
Extras only cover
Cover for optical, dental, physio and more at a level that suits you.
Need more cover?
View our range of Bronze health insurance products for a bit more cover.
Things you should know
Waiting periods and annual limits may apply.
+ Covers with Restricted or Excluded services will be treated as Included services where treatment is required for injuries sustained in an Accident that occurs after joining this cover. Treatment must be sought within 7 days of the Accident. Excludes claims covered by third parties such as Workcover and our Private Room Promise. Out of pockets may apply. Refer to your Cover Summary.
# Tasmania and Queensland have State schemes that cover ambulance services for residents of those States.
^ Guaranteed percentage back on specified services provided by Medibank Members' Choice providers only up to annual limits.
~ 100% back for kids only applies to child and student dependants on specified services provided by Medibank Members' Choice providers up to annual limits.
Things you should know
~ Limited to two dental check-ups on all extras annually. Maximum two bitewing x-rays per check-up, where clinically needed. Not available in all areas.
^Waiting periods apply. Up to annual limits, Some lens coatings excluded.
# For Accidents that occur after your cover starts and for which treatment is sought within 7 days. Excludes claims covered by third parties such as WorkCover and our Private Room Promise. Out of pockets may apply.
+ Not available in all areas. Must have eligible hospital cover, all relevant waiting periods must have been served and treating doctor must consider it appropriate. Out of pocket expenses may apply.
* Some claims, like paper based, may take longer to update. If you have Visitors Health Insurance, Working Visa Health Insurance or Overseas Student Health cover, you may not be able to use all the features.
‡ OFFER EXTENDED TO 31 JULY: For new members on new memberships who join and start eligible combined hospital and extras from 1 April – 31 July 2020 and who have not held Medibank health cover in previous 60 days. Must quote promo code 6FREE and set up direct debit when joining. Must maintain direct debit and hold eligible product for 30 continuous days from the policy start date to get next 6 weeks free. 2&6 month waits waived on extras: 2&6 month waiting periods on extras waived. Other waiting periods apply (including 12 months on some dental services). If you’ve reached your limits from a previous fund you may not be able to claim straight away. Excludes Corporate covers, Accident Cover, Ambulance Cover, Overseas Visitors Health Insurance, Overseas Students Health Cover (OSHC), Working Visa Health Insurance, ahm covers and other selected covers. Not available with any other offer.
‡ OFFER EXTENDED TO 31 JULY: For new members on new memberships who join and start eligible combined hospital and extras from 1 April – 31 July 2020 and who have not held Medibank health cover in previous 60 days. Must quote promo code 6FREE and set up direct debit when joining. Must maintain direct debit and hold eligible product for 30 continuous days from the policy start date to get next 6 weeks free. 2&6 month waits waived on extras: 2&6 month waiting periods on extras waived. Other waiting periods apply (including 12 months on some dental services). If you’ve reached your limits from a previous fund you may not be able to claim straight away. Excludes Corporate covers, Accident Cover, Ambulance Cover, Overseas Visitors Health Insurance, Overseas Students Health Cover (OSHC), Working Visa Health Insurance, ahm covers and other selected covers. Not available with any other offer.
Have questions?
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