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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.
Hospital cover
- Rest assured you'll receive the benefits of our top level of hospital cover in the event of an Accident
- Be covered for some of the more common hospital procedures, such as colonoscopies, tonsils & knee reco
- 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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2 months
(12 months for pre-existing) |
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1 day | |
2 months
(12 months for pre-existing) |
|
2 months
(12 months for pre-existing) |
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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 | |
2 months | |
2 months | |
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.
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.
- 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
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.
Extras cover
- You choose the cover to suit your budget and lifestyle - 55%, 70% or 85% back from Members' Choice providers.
- Cover for a wide range of services, including more costly ones, like major dental, orthodontics and hearing aids
- 100% back on up to two dental check-ups every year (including x-rays) at any Members’ Choice Advantage dentist1, OR
- 100% back on an annual dental check-up & clean at any Members' Choice dentist, on top of your annual limit (excludes x-rays)2
From 1st April, some natural therapy services will be removed from all Medibank products. Click here to find out more.
Inclusions | Annual limits per person | Waiting period | ||
---|---|---|---|---|
Claim back percentage: | 55% | 70% | 85% | |
Claim back percentage: | ||||
N/A | N/A | N/A | 1 day | |
$800 | No annual limit | No annual limit | 2 months | |
$500 | $1,000 | $1,200 | 12 months | |
$400 | $800 | $1,000 | 12 months | |
$200 | $225 | $250 | 6 months | |
$200 combined limit | $300 combined limit | $400 combined limit | 2 months | |
$300 | $600 | $700 | 2 months | |
$200 | $400 | $500 | 2 months | |
$200 | $400 | $500 | Nil | |
$200 | $400 | $500 | 2 months | |
Combined limit | Combined limit | Combined limit | 2 months | |
$200 | $400 | $500 | 2 months | |
$150 combined limit | $200 combined limit | $250 combined limit | 12 months | |
24 months | ||||
$200 | $400 | $500 | 2 months | |
$200 | $400 | $500 | 2 months | |
$400 | $800 | $1,200 | 36 months | |
$200 | $400 | $600 | 2 months | |
$200 | $400 | $500 | 2 months | |
$200 | $400 | $500 | 2 months |
What are annual limits?
The maximum amount of benefits payable towards services, items or groups of services and/or items in a calendar year.
Switching health funds?
Benefits paid under your previous cover will be taken into account in determining the benefits payable under your Medibank cover.
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.
Extras costs explained
Extras cover gives you money back for non-hospital services such as dental, physio, optical and more.
The amount of money you can claim back depends on the level of cover you have. Generally speaking, the higher the level of cover, the higher your annual limit and higher the percentage you can claim back. Which means more money back in your pocket.
If your extras provider isn't part of our Members' Choice network don't worry. As long as they're a Medibank recognised provider, we'll still pay a fixed amount for each service or item, up to your cover's limits.
With a Member’s Choice provider, you’re guaranteed a fixed % back on services, up to your annual limits. We’ve also negotiated a capped price with Members’ Choice providers, so you won’t be charged more than the agreed price.
- 100% back at all recognised optical retailers (some items excluded, up to your annual limit, waiting periods apply)
- 100% back on at least one dental check-up & clean at any Members’ Choice dentist (excludes x-rays, waiting periods apply)
- Access to Members’ Choice, one of the largest health provider networks in Australia, covering more than 12,000 providers. We’ve set maximum prices that these providers can charge, so you’ll avoid any surprises when the bill arrives

Canstar awarded ‘Outstanding Value Insurance’ 11 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).
Better health begins with better teeth
Medibank members with extras cover for 2 months or more can get 100% back on up to two dental check-ups every year, including x-rays, at any Members’ Choice Advantage dentist.*

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.
^ 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, up to annual limits.
~ 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.
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. Not available in all areas.
2 Waiting period applies.
* Limited to two dental check-ups on all extras annually. Maximum two bitewing x-rays per check-up, where clinically needed. Not available in all areas.