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.

~ For new members on new memberships who join and start eligible combined hospital and extras between 27 November – 7 December 2020 and who have not held Medibank health cover in previous 60 days. Must quote promo code SPECSAVERS2020 and set up direct debit when joining. Excludes Accident Cover, Ambulance Cover, Visitors Health Insurance, Working Visa Health Insurance, OSHC, ahm covers, Corporate covers and other selected covers. 2 & 6 waiver terms: 2 and 6 month waiting periods on extras waived. Other waiting periods apply. If you’ve reached your limits from a previous fund you may not be able to claim straight away. Not available with any other offer. Prepaid digital Mastercard® (Specsavers E-Gift Card) terms: Must maintain eligible cover and direct debit for 40 consecutive days after the policy start date. Gift card could take up to 8 weeks from the policy start date to arrive via SMS to the phone number provided on the Medibank policy. Specsavers E-gift card is not a credit card and is not reloadable. The Card is valid until the expiry date shown on the front of the Card and cannot be used after expiry. EML Payment Solutions Limited ABN 30 131 436 532 (Australian Financial Services License 404131) is the issuer of the Gift Card pursuant to license by Mastercard Asia/Pacific Pte. Ltd. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Eligible Customers will receive an activation code from Edge Loyalty in accordance with these Terms. If the Eligible Customer has a supported Apple or Android smart phone, the Eligible Customer will: a) Receive a text message from Edge Loyalty (at the number provided) with an activation code (Activation Code) and link to the Mobile Pay website, operated by Edge Loyalty https://edgemobilepay.com . b) Click the link in the text message that will lead the Eligible Customer to the Mobile Pay Website and proceed to download and install the Mobile Pay app, an application owned and operated by Edge Loyalty. c) Follow the prompts to enter their mobile number and the Activation Code (as found in the text message to redeem the Gift Card). d) Follow the prompts to add the Gift Card to their mobile wallet. If the Eligible Customer does not have a supported Apple or Android smart phone, the Eligible Customer will be sent an incompatible alert (Incompatible Notification) and will be prompted to visit a webpage to make a Customer Claim to receive an alternative reward, being a physical prepaid eftpos® gift card. The full terms and conditions relating to the physical prepaid eftpos® Gift Card are available at https://activateacard.com.au/activateacard/termseftpos. The eftpos prepaid gift card is issued by EML Payment Solutions Limited ABN 30 131 436 532 AFSL 404131. Please visit https://activateacard.com.au/ to review the card terms and conditions, to check the card expiry and the card balance. An Eligible Customer must activate their Gift Card within two (2) months of the date of issue (Issue Date). The Gift Card is valid for twelve (12) months from the Issue Date. If the Gift Card has not been activated or redeemed within the prescribed time frames set out above, the balance will be forfeited. No refunds, exchanges or credits permitted. E-Gift Cards must be activated within 2 months of issue by following the link to access Mobile Pay via the App store. E-Gift card is valid for 12 months from date of activation. For full terms and conditions on activating and using your card see https://edgemobilepay.com/terms-and-conditions. The E-Gift Card can be used to make transactions that exceed the available balance, but the Eligible Customer will need to pay the difference by another method if accepted by the merchant where the transaction takes place. Full terms and conditions can be found at: https://edgemobilepay.com/terms-and-conditions