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Prices below are based on
Prices below are based on
This is used to calculate any Australian Government Rebate (AGR) you may be entitled to.If you’re unsure how to calculate your income, this ATO calculator can help.
We can help - Leave your details and a Medibank expert will contact you to help you find the right cover. In providing your telephone number, you consent to Medibank contacting you about health insurance.
The amount you pay before Medibank contributes to your hospital costs.
Your cover also includes
Hospital cover
- Rest assured you'll receive the benefits of our gold level of Hospital cover in the event of an Accident⁺
- Be covered for a wide range of hospital procedures and investigations
- Better value for families with no hospital excess for kids on a family membership
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).
Inclusions | 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). |
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Nil | |
1 day | |
Nil | |
2 months | |
2 months | |
2 months | |
2 months
(12 months for pre-existing) |
|
2 months
(12 months for pre-existing) |
|
2 months
(12 months for pre-existing) |
|
2 months
(12 months for pre-existing) |
|
2 months
(12 months for pre-existing) |
|
2 months
(12 months for pre-existing) |
|
2 months
(12 months for pre-existing) |
|
2 months
(12 months for pre-existing) |
|
2 months
(12 months for pre-existing) |
|
2 months
(12 months for pre-existing) |
|
2 months
(12 months for pre-existing) |
|
2 months
(12 months for pre-existing) |
|
2 months
(12 months for pre-existing) |
|
2 months
(12 months for pre-existing) |
|
2 months
(12 months for pre-existing) |
|
2 months
(12 months for pre-existing) |
|
2 months
(12 months for pre-existing) |
|
2 months
(12 months for pre-existing) |
|
Nil |
Exclusions |
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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-payment before we will pay any benefits towards 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
- Prostheses in excess of approved benefits in the Government’s Prostheses List
- Cosmetic treatments
It's a good idea to call us on 1300 518 089 so we can take you through what we will pay benefits for, and let you know of any potential out-of-pockets for your procedure.
Combine Medibank Bronze Everyday with extras cover
For all-round protection, why not combine hospital cover with your extras cover? The packages below can provide you with even greater peace of mind.
The amount you can claim back at Members’ Choice providers, up to annual limits.

Canstar awarded ‘Outstanding Value Insurance’ 13 years in a row
We’re proud to deliver outstanding value health insurance products designed to suit your needs. But don’t just take our word for it.
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).
Accidental Injury Benefit
Life can be unpredictable, which is why our Hospital covers pay towards treatment if you’re injured in an Accident, regardless of your level of cover. That means, services which are normally Restricted or Excluded will be treated as an Included service where treatment is required for injuries sustained in an Accident.⁺

Request a call back
Leave your details and a Medibank expert will be in touch to take you through your options. In providing your telephone number, you consent to Medibank contacting you about health insurance.
Waiting periods and annual limits may apply.
^Tasmania and Queensland have State schemes that cover ambulance services for residents of those States.
+ Covers with Restricted or Excluded services will be treated as Included services where treatment is required for injuries sustained in an Accident that occurs after joining this cover. Treatment must be sought within 7 days of the Accident. Excludes claims covered by third parties such as Workcover and our Private Room Promise. Out of pockets may apply. Refer to your Cover Summary.
1 Members can claim a maximum of two 100% back dental check-ups per member, per year—either two check-ups at a Members’ Choice Advantage dentist (including up to two bitewing x-rays per check-up where required), or a first check-up at a Members’ Choice dentist (excluding x-rays) and a second check-up at a Members’ Choice Advantage dentist. These check-ups do not count towards annual limits. Waiting periods apply.
2 For Accidents that occur after your cover starts and for which treatment is sought within 7 days. Excludes claims covered by third parties such as WorkCover and our Private Room Promise. Out of pockets may apply.
3 OSHC members should call the Student Health & Support Line on 1800 887 283
4 OSHC members should call the Student Health & Support Line on 1800 887 283
Have questions?
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