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
My partner's 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 this cover

To see all of our options for family cover click here

  • Core Hospital
    from
    19390
    /month
    89.18 / fortnight(Minimum payment period fortnightly)
    Core Hospital provides cost-effective cover for a wide range of common hospital procedures.
  • Standard Hospital
    Best match
    from
    23280
    /month
    107.06 / fortnight(Minimum payment period fortnightly)
    Hospital-only cover that provides a wider range of services, like heart-related admissions to better prepare you for life's many twists and turns.
  • Top Hospital Essentials
    from
    27445
    /month
    126.22 / fortnight(Minimum payment period fortnightly)
    Comprehensive Hospital cover for those who want peace of mind, but don't need obstetrics-related services. Suitable for singles, couples and families.
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 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

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.

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.

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.
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.

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.
Select this cover Select this cover Select this cover

*Prices displayed for families in TAS 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 payment frequency is 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.

Want a Rebel eGift Card up to the value of $300?

Join Medibank combined hospital & extras cover

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