Price is based on singles cover in NSW for a person earning $90,000 or less per year and aged under 65.

Accident Cover

Accidents happen, even to the fittest and healthiest of us. This cover is designed to look after you in just those instances.

from

$ 16 .17

$32.34 fortnightly

Minimum direct debit period fortnightly

Hospital Excess The amount you pay before Medibank contributes to your hospital costs.

$500

from

$ 16 .17

$32.34 fortnightly

Minimum direct debit period fortnightly

Hospital Excess The amount you pay before Medibank contributes to your hospital costs.

$500

Hospital cover

Top features

Rest assured you'll receive the benefits of our top level of hospital cover in the event of an Accident

We'll look after your emergency ambulance to hospital

Hospital Excess

$500

What's included Waiting period
What is a waiting period?
The time you need to wait before you can receive benefits for services or items listed in your cover.
When do they apply?
To new members, or when switching to a higher level of cover.
Switching funds?
If you're switching from another health fund, on similar cover, we'll recognise waiting periods already served.
What is a pre-existing condition?
An ailment, illness or condition that, in the opinion of a Medical Practitioner appointed by Medibank, the signs or symptoms existed at any time during the six months before you either took out your new cover, or transferred to a higher level of cover (12 month waiting period applies).

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.
Waiting period
What is a waiting period?
The time you need to wait before you can receive benefits for services or items listed in your cover.
When do they apply?
To new members, or when switching to a higher level of cover.
Switching funds?
If you're switching from another health fund, on similar cover, we'll recognise waiting periods already served.
What is a pre-existing condition?
An ailment, illness or condition that, in the opinion of a Medical Practitioner appointed by Medibank, the signs or symptoms existed at any time during the six months before you either took out your new cover, or transferred to a higher level of cover (12 month waiting period applies).

1 day
1 day

Palliative care 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 Service
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 Service 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.
Waiting period
What is a waiting period?
The time you need to wait before you can receive benefits for services or items listed in your cover.
When do they apply?
To new members, or when switching to a higher level of cover.
Switching funds?
If you're switching from another health fund, on similar cover, we'll recognise waiting periods already served.
What is a pre-existing condition?
An ailment, illness or condition that, in the opinion of a Medical Practitioner appointed by Medibank, the signs or symptoms existed at any time during the six months before you either took out your new cover, or transferred to a higher level of cover (12 month waiting period applies).

2 months
2 months

Psychiatric treatment 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 Service
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 Service 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.
Waiting period
What is a waiting period?
The time you need to wait before you can receive benefits for services or items listed in your cover.
When do they apply?
To new members, or when switching to a higher level of cover.
Switching funds?
If you're switching from another health fund, on similar cover, we'll recognise waiting periods already served.
What is a pre-existing condition?
An ailment, illness or condition that, in the opinion of a Medical Practitioner appointed by Medibank, the signs or symptoms existed at any time during the six months before you either took out your new cover, or transferred to a higher level of cover (12 month waiting period applies).

2 months
2 months

Rehabilitation treatment 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 Service
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 Service 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.
Waiting period
What is a waiting period?
The time you need to wait before you can receive benefits for services or items listed in your cover.
When do they apply?
To new members, or when switching to a higher level of cover.
Switching funds?
If you're switching from another health fund, on similar cover, we'll recognise waiting periods already served.
What is a pre-existing condition?
An ailment, illness or condition that, in the opinion of a Medical Practitioner appointed by Medibank, the signs or symptoms existed at any time during the six months before you either took out your new cover, or transferred to a higher level of cover (12 month waiting period applies).

2 months
2 months

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.
Waiting period
What is a waiting period?
The time you need to wait before you can receive benefits for services or items listed in your cover.
When do they apply?
To new members, or when switching to a higher level of cover.
Switching funds?
If you're switching from another health fund, on similar cover, we'll recognise waiting periods already served.
What is a pre-existing condition?
An ailment, illness or condition that, in the opinion of a Medical Practitioner appointed by Medibank, the signs or symptoms existed at any time during the six months before you either took out your new cover, or transferred to a higher level of cover (12 month waiting period applies).

nil
nil
See all (5)
What's not included

Shoulder and knee reconstruction surgery & investigations

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

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.

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.

Eye Surgery (including cataracts)

Surgery for cataracts, as well as other eye lens 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.
See all (18)
Services not covered by Medicare

Cosmetic treatments

Hospital costs explained

Hospital cover helps with the cost of treatments you receive in hospital as a private patient. Of course, everyone is different, and so our hospital covers come in all shapes and sizes to suit different priorities and stages in life.


For services included under each of our Hospital covers, we’ll pay benefits towards:

  • Eligible ambulance services
  • In-hospital medical services
  • Overnight accommodation in a private hospital, or a shared room in a public hospital as a private patient
  • Same-day admission
  • Intensive care
  • Theatre fees
  • The minimum benefit for surgically implanted prostheses included on the Australian Government Prostheses List

Depending on your cover you may need to pay an excess or co-payments before we will pay any benefits toward your hospital admission.


  • Services not included in your cover or for which you are serving waiting periods
  • Some high-cost medications
  • Services not covered by Medicare
  • Prosthesis in excess of approved benefits in the Government’s Prosthesis List
  • Cosmetic treatments

It's a good idea to call us on 1300 518 089 so we can take you through what you're covered for, and let you know of any potential out-of-pockets for your procedure.


Why choose Medibank?

30 day cooling off period

If you're not completely happy with your cover in the first 30 days of joining, let us know and we'll transfer you to a more suitable cover or refund your premiums (as long as no claims have been made).

Canstar award

Awarded Canstar 2017 Outstanding Value Award for Health Insurance 10 years in a row.

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