Basic health insurance

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

✓ - 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.