Compare our health cover

You're one step closer to better health. It's our mission to help you get there, which is why we've made it easier to understand and compare our health cover. Enter a few details — then we’ll provide some options to help you weigh them up.

I would like cover for
Living in
My age
Type of cover
Reasons for getting private health insurance:

We’ve selected these options for you, based on the information you gave us.

  1. Compare features by scrolling down
  2. For more detail on each option, click Select cover

To see all of our options for singles click here

  • Everyday Starter
    from
    1987
    /week
    39.74 / fortnight(Minimum direct debit period fortnightly)
    No frills, no fuss cover with limited Extras and Accident-only Hospital cover
  • Hospital Essentials and Basic Extras
    from
    210
    /week
    42.0 / fortnight(Minimum direct debit period fortnightly)
    Hospital cover for the more common needs of the young & healthy, plus some Extras cover to help them stay that way.
  • Everyday Essentials
    Best match
    from
    2201
    /week
    44.02 / fortnight(Minimum direct debit period fortnightly)
    Cover for singles and couples looking for just enough Hospital and Extras cover to keep them out of trouble.
Hospital inclusions

Hospital excess

Choosing a higher excess will lower your premium. An excess will apply to each adult member admitted to hospital per calendar year. No hospital excess applies to children on a family membership.
No Excess

No Excess for kids on a family membership

No matter what hospital excess you pay, the excess will not apply if kids on your membership are admitted to hospital
N/A N/A N/A

Ambulance services^

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.

Shoulder and knee reconstruction surgery & investigations

Reconstructions to repair ligament tears, remove loose tissue and to treat other damage.

Minor Gynaecological Surgery

Surgery to treat conditions of the female reproductive system e.g. endometriosis. Excludes IVF

Repair of Hernia

Surgical repair and treatment of a hernia

Appendicitis treatment

Admission to hospital for a suspected inflamed appendix (appendicitis) and where appendectomy is not required.

Appendix removal (Appendectomy)

Surgery to remove an inflamed appendix.

Tonsils & adenoids removal

Surgery to remove tonsils and/or adenoids.

Surgical removal of wisdom teeth

The surgical removal of wisdom teeth in hospital in order to alleviate symptoms such as pain and infection associated with wisdom teeth. Includes benefits towards hospital accommodation and medical charges raised by doctors (e.g. anaesthetics) only where a Medicare benefit is payable. No benefits are payable under Hospital covers towards charges raised by dentists.

Colonoscopy

A procedure to examine the lining of the large bowel (colon) to investigate the cause of abdominal pain, bleeding, irregular bowel habits, to remove polyps or detect cancer.

Palliative care

Health care that offers support to people with a life-limiting illness. Its aim is to comfort and to relieve pain and distress for people who are dying. Benefits are only payable where admission to a palliative care unit in a hospital occurs.
Restricted We pay limited benefits for restricted services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For restricted services in a Public hospital we will pay minimum shared room benefits. Restricted We pay limited benefits for restricted services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For restricted services in a Public hospital we will pay minimum shared room benefits. Restricted We pay limited benefits for restricted services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For restricted services in a Public hospital we will pay minimum shared room benefits.

Weight loss surgery

Surgery to the stomach which aims to aid weight loss in order to reduce the health risks associated with obesity. Surgery may involve reducing the size of the stomach (gastric banding or stapling), removing a portion of the stomach (sleeve gastrectomy) or bypassing the stomach (gastric bypass). It also includes subsequent surgery such as reversal or adjustment.

Spinal fusion

Surgery to join two or more vertebrae to reduce pain and improve function arising from disorders of the spinal column.
It may include treatment of conditions such as chronic low back pain, spondylolisthesis, spondylosis and degeneration of the spine. It does not include treatment of developmental deformities such as scoliosis or kyphosis.

Psychiatric treatment

The diagnosis and treatment of a wide range of mental health conditions, including addiction. For benefits to be payable, treatment needs to be provided at a Medibank-approved psychiatric facility.
Restricted We pay limited benefits for restricted services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For restricted services in a Public hospital we will pay minimum shared room benefits. Restricted We pay limited benefits for restricted services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For restricted services in a Public hospital we will pay minimum shared room benefits. Restricted We pay limited benefits for restricted services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For restricted services in a Public hospital we will pay minimum shared room benefits.

Rehabilitation treatment

Therapy which assists in recovery following a major health-related event, such as a joint replacement or heart attack. Treatment needs to be provided at an approved rehabilitation facility and under an approved program.
Restricted We pay limited benefits for restricted services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For restricted services in a Public hospital we will pay minimum shared room benefits. Restricted We pay limited benefits for restricted services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For restricted services in a Public hospital we will pay minimum shared room benefits. Restricted We pay limited benefits for restricted services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For restricted services in a Public hospital we will pay minimum shared room benefits.

Heart-related medical & surgical admissions

Medical and surgical admissions to investigate, diagnose, monitor and/or treat heart-related conditions.
May include services such as open heart and bypass surgery, invasive cardiac investigations and procedures such as angiograms, angioplasties and stent insertions.

Obstetrics-related services (pregnancy)

Services and treatment provided to an admitted patient in hospital for care during pregnancy and childbirth. Includes vaginal and caesarean delivery and in-patient diagnostic imaging, as well as treatment of pregnancy-related complications.

Fertility treatment

Treatment provided to an admitted patient in hospital to assist with becoming pregnant. Includes the retrieval and implantation of eggs and collection of semen. In Vitro Fertilisation (IVF) treatment and Gamete Intra Fallopian Transfer (GIFT) are two of the most common procedures.

Major gynaecological surgery

Such as hysterectomy, prolapse and ovarian surgery.

Plastic & reconstructive surgery

Surgery which is medically necessary to treat a physical deformity that is either acquired (through an accident, infection, changes in body shape) or congenital (present from birth).
It may include the removal of excess fat or tissue (breast reduction, abdominoplasty), correction of nose deformities, or removal of a scar – where these conditions lead to a medical condition that requires treatment. Medibank does not pay for cosmetic treatment.

Major eye surgery (including cataract & lens-related)

Surgery to treat vision loss caused by cataracts, as well as other eye-related hospital admissions.

Hip & knee joint replacement surgery

Surgery to replace a hip or knee joint with a prosthesis. It includes surgery after fracture, joint deterioration and revision of previous replacement surgery. Any prosthesis provided needs to be on the Australian Government Prostheses List for benefits to be payable.

Other joint replacement surgery

Surgery to replace a shoulder, elbow or ankle joint with a prosthesis. It includes surgery after fracture as well as joint deterioration and revision of previous replacement surgery. Any prosthesis provided must be on the Australian Government Prostheses List for benefits to be payable.

Renal dialysis

Treatment to assist or replace the function of the kidneys by ensuring the appropriate balance of chemicals in the blood. It can include both haemodialysis (circulating the blood through a machine) and peritoneal dialysis (infusing and draining a sterile solution into the abdomen).

Vascular surgery

Surgery of arteries and removal of varicose veins.

Nerve treatment

Insertion of a device or injection to manage severe movement disorders or chronic pain.

All other in-hospital services where a Medicare benefit is payable unless they are Restricted or Excluded.

The Medicare Benefits Schedule (MBS) lists all the medical services subsidised by the Australian Government through Medicare. This includes thousands of in-hospital services that we pay benefits towards.

Cover For Accidents

Covers which have services that are normally Restricted or Excluded will be treated as an Included service where treatment is required for injuries sustained in an Accident that occurs after joining this cover, provided that the treatment is on the Medicare Benefits Schedule. Refer Cover Summary for full details.
Extras inclusions

Claim back

Guaranteed percentage back on specified services provided by Medibank Members' Choice providers only up to annual limits. Services available through our Members' Choice provider network are indicated in the table with a #. Claim a set percentage back on the costs of included treatments at Medibank Members' Choice providers, up to annual limits. We've negotiated a capped price with Members' Choice providers, so you won't be charged more than the agreed price. For all recognised providers who are not part of the Members' Choice network, we pay a fixed benefit. This may be less than the provider charges, as we haven't negotiated a price with them. Generally, the higher the level of cover you choose, the higher the fixed benefit which will help reduce your out-of-pocket expenses.
60%
Claim back
60%
Claim back

Ambulance services^

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.

General dental#~

Includes examinations, preventative treatment, scale and clean, extractions, fillings, x-rays, and surgery to remove wisdom teeth (excludes hospital charges).

Major dental#~

Includes services such as root canal, periodontics, crowns, dentures, bridges and veneers.

Orthodontics

Procedures to help with the correction & alignment of the teeth and jaw. We pay benefits towards braces.

Optical#

100% back on eligible items up to annual limits at all recognised providers. Includes prescription glasses and contact lenses. Some items, such as lens coatings, are excluded.

Remedial massage#

Benefits paid towards remedial massage treatments.

Physiotherapy#

Includes one-on-one and group consultations, clinical pilates, antenatal and hydrotherapy sessions.

Chiropractic# & Osteopathy

Benefits paid towards consultations with a chiropractor or osteopath.

Podiatry#

Diagnosis, treatment and prevention of conditions affecting the toe, foot and ankle to help with good foot hygiene and posture. We pay benefits towards consultations and approved orthotics.

Natural therapies

Consultations for naturopathy#, acupuncture#, reflexology, kinesiology, Chinese medicine, Western herbalism, exercise physiology, shiatsu, aromatherapy, homeopathy, Bowen therapy, Alexander technique and Feldenkrais

Dietetics

Dietetics involves using nutritional principles to promote good health through proper eating and development of modified diets. We pay benefits towards consultations with a recognised dietitian or nutritionist only.

Breathing appliances~

Peak flow meters, nebulisers and spacing devices only.

Blood glucose monitor & blood pressure monitors~

100% back up to your annual limit when you purchase a monitor.

Speech therapy

Benefits paid towards consultations with a recognised speech therapist.

Psychology

Diagnosis & treatment of behavioural and mental health conditions such as depression, anxiety and phobias, as well as personality disorders such as Obsessive Compulsive Disorder (OCD) and other behavioural problems. Benefits paid towards consultations with a recognised psychologist only.

Health appliances & external prostheses~

Includes insulin delivery pens, pressure therapy garments, braces, splints, orthoses, post-mastectomy brassieres and external mammary prostheses/breast forms.

Health subscriptions

Benefits towards membership of health bodies including Arthritis Australia, Coeliac Australia, Diabetes Australia and others.

Health screening tests

This may include bone density tests, MRIs, retinal scans and bowel cancer screening tests, where no Medicare benefit is payable.

Hearing aids~

Benefits paid towards the cost of a hearing aid.

Prescription pharmaceuticals (non-PBS)

Includes most prescription-only items not subsidised by the Government. Benefits will be paid after a set charge has been deducted. It’s important to note that we don’t pay benefits for oral contraceptives or for pharmaceuticals prescribed for cosmetic purposes.

Occupational therapy

Occupational therapy helps with the development or recovery of core physical, mental and developmental abilities. Benefits are paid towards consultations with a recognised occupational therapist.

Eye therapy

Study and treatment of vision problems due to defects in the eye muscles (such as a squint or a lazy eye) or harmful visual habits. Used to treat eye strain, vision-induced headaches, cross-eyes or double vision. Therapy involves eye exercises and treatment to correct the alignment of the eyes.
Benefits are paid towards consultations with a recognised orthoptist (eye therapist).

Membership Bonus

To pay towards extras, hospital excess and other approved membership related services

Private hospital accident & emergency facility fees

Benefits paid towards private hospital emergency department fees.

Home nursing

Benefits paid towards services by a recognised home nursing provider (not available in NT or TAS).

Laser eye surgery

Surgery to the eye which uses laser beams to correct refractive vision problems by reshaping the cornea (front of the eye) in order to reduce or eliminate the need for glasses or contact lenses. This can include LASIK, LASEK and PRK treatment. Benefits are only payable where no Medicare rebate is payable.
Select this cover Select this cover Select this cover

*Prices displayed for singles in NSW entitled to a 25.934% Australian Government Rebate and nil Lifetime Health Cover loading and $500 excess (unless otherwise stated). Waiting periods may apply including 12 months for pre-existing conditions and some dental services. Minimum direct debit period fortnightly.

^Tasmania and Queensland have State schemes that cover ambulance services for residents of those States.

#Medibank has Members' Choice providers for these services only. By choosing a Members' Choice provider you are guaranteed to receive the percentage back shown on the cover.
~Some items and services may require a Referral Letter and may have a benefit replacement period. Please see the Cover Summary or Member Guide for more information.

Get new specs, on us

Join Medibank combined hospital & extras now, and you could get a Specsavers gift card. Plus, we’ll waive your 2&6 month waiting periods on extras.

Not what you're looking for? View more cover for singles