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Type of cover
Reasons for getting private health insurance:
  • Everyday Starter
    from $18.53* /week
    View in detail
    Just in case hospital cover with some extras.
  • Hospital Essentials and Basic Extras
    from $20.07* /week
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    Hospital cover designed for the young, fit and healthy plus budget-friendly cover for the most common extras.
  • Best match
    Everyday Essentials
    from $21.54* /week
    View in detail
    Flexible extras combined with a little hospital.
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

100% cover for immediate professional attention. Includes ambulance transportation to hospital when your medical condition means you can't be transported in any other way. Tasmania and Queensland have State schemes that cover ambulance services for residents of those States.

Shoulder and knee reconstruction surgery & investigations

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

Appendicitis treatment

Hospitalisation for appendicitis

Removal of appendix

The surgical removal of your appendix

Removal of tonsils & adenoids

Surgery to remove tonsils and/or adenoids

Surgical removal of wisdom teeth (for hospital charges only)

Accommodation and theatre charges for wisdom tooth removal in hospital (does not include doctor/dentist fees)

Colonoscopies

Procedure to examine the large bowel

Palliative care

Health care that provides support to people with a life-limiting illness
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 (e.g Bariatrics)

Includes surgeries such as Gastric banding, Gastrectomy and Gastric bypass

Spinal Fusion

Surgery to join two vertebrae

Psychiatric treatment

Including diagnosed disorders or addiction requiring immediate hospital-based intervention
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

Approved physical therapy and exercise programs, generally following an inpatient admission
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 and surgical admissions

Including open heart and bypass surgery, and invasive cardiac investigations and procedures, such as angiograms, angioplasties and stent insertions.

Obstetrics-related services (eg. pregnancy)

Including regular and caesarean childbirth and in-patient diagnostic imaging

Fertility treatment (eg. IVF & GIFT programs)

Includes IVF and GIFT programs

Plastic & reconstructive surgery

Surgery to repair deformity or improve function e.g. after cancer or tumour removal, repair of lacerations, burns or scars, to treat congenital abnormalities or following traumatic injuries.

Major eye surgery - including cataract & lens-related services

Surgical procedures to treat vision loss caused by cataract and other eye-related admissions

Hip & knee joint replacement surgery

Replacement surgery for hips and knees

Other joint replacement surgery

Replacement surgery for shoulders, elbows and ankles

Renal dialysis

Dialysis treatment in hospital for kidney failure.

All other in-hospital services where a Medicare benefit is payable.

The Medicare Benefits Schedule defines what are considered appropriate interventions or treatment in Australia.

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. Refer Cover Summary for full details.

Access to GymBetter and Mi Health support services.

Support services include Medibank nurse 24/7, Online Health Hub and Mobile Health Apps.
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

Percentage Back for Children

N/A N/A

Ambulance services

100% cover for immediate professional attention. Includes ambulance transportation when your medical condition means you can't be transported in any other way. Tasmania and Queensland have State schemes that cover ambulance services for residents of those States.

General dental#~

Includes examinations, preventative treatment, scale and clean, extractions, fillings and x-rays and surgical removal of wisdom teeth

Major dental#~

Includes services such as endodontic services (e.g. root canal); periodontics (e.g. treatment of gum disease); crowns, dentures and bridges; and major restorative fillings (e.g. veneers)

Orthodontics

Includes braces

Optical items#

100% back up to annual limits. Includes frames, prescription lenses and repairs.

Remedial Massage#

Benefits towards remedial massage treatments

Physiotherapy#

Includes one-on-one and group consultations, Clinical Pilates, antenatal and hydrotherapy sessions

Chiropractic# & Osteopathy

Benefits towards consultations with an osteopath or chiropractor

Podiatry#

Benefits towards consultations, biomechanical assessments and custom orthotics

Natural therapies

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

Dietetics

Benefits towards dietitian and nutritionist consultations

Breathing appliances~

Peak flow meters, nebulisers & spacing devices

Blood glucose monitors & blood pressure monitors~

100% back up to your annual limit

Speech Therapy

Benefits are paid towards consultations with a speech therapist

Clinical psychology

Cover for consultations only

Health appliances & external prostheses~

Including insulin delivery pens

Health subscriptions

Benefits are paid towards membership of some health bodies and associations. Includes Arthritis Association and Coeliac Society subscriptions, Diabete Australia membership, and others.

Health screening services

Where no Medicare benefit is payable

Hearing aids

Benefits are paid towards the cost of hearing aids and hearing aid repairs

Prescription pharmaceuticals (non PBS)

For certain prescribed items not subsidised by the Government

Occupational therapy

Benefits are paid towards consultations with an Occupational Therapist

Eye therapy

Benefits are paid towards consultations with an orthoptist

Membership Bonus

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

Private hospital accident & emergency facility fees

Home nursing

Benefits are paid towards private nursing provided by a registered nursing service

Laser eye surgery

Where no Medicare benefit is payable
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*Prices displayed for singles in NSW entitled to a 26.791% 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 payment frequency is fortnightly.

#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.

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