Explore our Hospital cover tips
Explore our Hospital covers that may be best suited to you
The amount you pay before Medibank contributes to your hospital costs.
Waiting periods and annual limits may apply.
Our customers say
Up to 10 weeks free on Hospital and Extras cover
New joins who maintain eligible Hospital and Extras cover can get:
- Up to 10 weeks free
- Up to $300 in gift cards
- 2&6 month waiting periods waived on eligible extras
T&C’s apply.€
Want to combine Hospital cover with Extras?
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What sets Medibank apart?
24/7 Medibank Nurse Support
Medibank health insurance members can chat to a registered nurse over the phone or online and get guidance on what they can do next. Chat online or call 1800 644 325 anytime of the day or night, 7 days a week at no extra cost.@
Accident Cover Boost
If you have an Accident, you’ll have access to all clinical categories included in Gold level hospital cover, no matter what level of hospital cover you have, thanks to our Accident Cover Boost.+
Unlimited emergency ambulance
No matter which Hospital or Extras policy you choose, you'll have the peace of mind that comes from knowing that your cover includes unlimited emergency ambulance.^
Take control of your potential with Medibank
Things you should know:
1 Eligible hospital cover includes residential hospital covers. Extras cover, Ambulance cover, Overseas Student Health Cover, Overseas Workers Health Cover, Overseas Visitors Health Cover and Corporate Elevate products are excluded.
2 To be eligible you'll have to have your own policy or a policy with your partner, you can't be a dependent on your parents' policy. If you are on a couple or family policy, the discount is calculated by taking an average of the discount applied to the adults on the hospital cover. So, if one person has a 10% discount and their partner has no discount, or 0%, the discount applied is 5% overall.
3 Adult Dependants may only remain on or be added to select family and single parent covers. If you are not an eligible family cover, you may need to change to one that is.
4 The single parent/couple/family income threshold is increased by $1,500 for each MLS dependant child after the first child. 'income’ and 'dependants' have a specific meaning for Medicare Levy Surcharge purpose. Learn more.
@ Some referred services may involve out of pocket costs and waiting periods may apply.
+ For Accidents that occur in Australia after your cover starts. Must seek medical treatment within 7 days, and receive hospital treatment within 12 months of the Accident occurring. Excludes Private Emergency Department Benefit, hospital bonus, claims covered by third parties and our Private Room Promise. Out-of-pocket costs may apply.
^ Waiting period applies. For ambulance attendance or transportation to a hospital where immediate professional attention is required, and your medical condition is such that you couldn't be transported any other way. TAS and QLD have State schemes to cover ambulance services for residents of those States.
€ For full Hospital and Extras offer Terms, Conditions and Exclusions, click here.
Explore our Extras cover tips
Explore our Extras covers that may be best suited to you
The amount you can claim back when you visit a Medibank preferred provider, up to annual limits. Fixed amounts apply at other providers, up to annual limits.
Waiting periods and annual limits may apply.
Our customers say
4 weeks free on Extras cover
New joins who maintain eligible Extras cover can get:
- 4 weeks free
- $50 gift card
- 2&6 month waits waived on eligible extras
T&C's apply.ᶲ
100% back on dental check-ups twice a year on eligible extras
With eligible extras cover you get 100% back on up to two check-ups each year at a Members’ Choice Advantage Dentist (including bitewing x-rays where clinically required).=
100% back on optical on eligible extras
At Medibank we think you deserve to see the world clearly. That’s why when you join eligible Medibank extras you get 100% back on optical items at all recognised providers up to annual limits.3
Unlimited emergency ambulance
No matter which Hospital or Extras policy you choose, you'll have the peace of mind that comes from knowing that your cover includes unlimited emergency ambulance.^
Take control of your potential with Medibank
Things you should know:
= Eligible members on Medibank extras (excluding Healthy Living Extras and Gold Ultra Health) can claim a maximum of two 100% back dental check-ups per member, per year at a Members’ Choice Advantage provider (including bitewing x-rays where clinically required). For members on eligible extras, the first two check-ups do not count towards your annual limit. Members with Healthy Living Extras can get 100% back on one dental check-up each year at a Members’ Choice Advantage provider (including up to two bitewing x-rays, where clinically required) or at a Members’ Choice dentist (excluding x-rays). Members with Gold Ultra Health can get 100% back on up to three dental check-ups at a Members’ Choice or Members’ Choice Advantage provider. Members’ Choice and Members’ Choice Advantage providers are not available in all areas. Two month waiting period applies. Some products may have other dental benefits, check your cover summary for details.
1 Members’ Choice Advantage providers are not available in all areas. Waiting periods and annual limits apply.
2 Members’ Choice providers are not available in all areas and may change without notice.
^ Waiting period applies. For ambulance attendance or transportation to a hospital where immediate professional attention is required and your medical condition is such that your couldn't be transported any other way. Tasmania and Queensland have State schemes to cover ambulance services for residents of those States.
^^ Two month waiting period and $40 annual limit apply. Benefits are payable towards the influenza vaccine only and not payable towards any other fees, including administrative fees or GP consultations. Some individuals may be eligible for free influenza vaccines under a Commonwealth or State scheme, such as the National Immunisation Program, or similar schemes. Benefits are not payable where influenza vaccines are administered under such a scheme.
3 Excludes Healthy Living Extras. Applies to prescription glasses and select contact lenses. Some lens coatings are excluded. 6 month waiting period applies.
ᶲ For full Extras only offer Terms, Conditions and Exclusions, click here.