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Find out moreHospital cover
Top features
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
Hospital Excess
Choosing a higher excess will lower your premium. An excess will apply to each adult member admitted to hospital per calendar year.
| 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). |
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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
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
(12 months for pre-existing)
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2 months
(12 months for pre-existing) |
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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
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1 day |
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Shoulder and knee reconstruction surgery & investigations Reconstructions to repair ligament tears, remove loose tissue and to treat other damage.
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
(12 months for pre-existing) |
2 months (12 months for pre-existing) |
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Minor Gynaecological Surgery Surgery to treat conditions of the female reproductive system e.g. endometriosis. Excludes IVF
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
(12 months for pre-existing) |
2 months (12 months for pre-existing) |
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Repair of Hernia Surgical repair and treatment of a hernia
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
(12 months for pre-existing) |
2 months (12 months for pre-existing) |
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Appendicitis treatment Admission to hospital for a suspected inflamed appendix (appendicitis) and where appendectomy is not required.
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
(12 months for pre-existing) |
2 months (12 months for pre-existing) |
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Appendix removal (Appendectomy) Surgery to remove an inflamed appendix.
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
(12 months for pre-existing) |
2 months (12 months for pre-existing) |
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Tonsils & adenoids removal Surgery to remove tonsils and/or adenoids.
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
(12 months for pre-existing) |
2 months (12 months for pre-existing) |
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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.
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
(12 months for pre-existing) |
2 months (12 months for pre-existing) |
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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.
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
(12 months for pre-existing) |
2 months (12 months for pre-existing) |
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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.
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
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2 months |
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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 ServiceThe 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.
After the 2 month waiting period for Restricted Psychiatric treatment has been served, members may be eligible to use the once per lifetime Mental Health Waiver.
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
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2 months |
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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 ServiceTherapy 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
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2 months |
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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.
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
(12 months for pre-existing) |
2 months (12 months for pre-existing) |
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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
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nil |
| See all (15) |
| What's not included |
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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. |
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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. |
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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.
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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.
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Major gynaecological surgery Such as hysterectomy, prolapse and ovarian surgery.
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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. |
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Eye Surgery (including cataracts) Surgery for cataracts, as well as other eye lens related hospital admissions.
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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.
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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.
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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).
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Nerve treatment Insertion of a device or injection to manage severe movement disorders or chronic pain.
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Vascular surgery Surgery of arteries and removal of varicose veins.
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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.
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| See all (13) |
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:
Depending on your cover you may need to pay an excess or co-payments before we will pay any benefits toward your hospital admission.
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.
Combine Core Hospital 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.
Healthy Start Extras
Includes $500 combined limit towards the services most important to you, like physio, dental or chiro. Get a quote
from$55.56
$11.12 fortnightly
Minimum direct debit period fortnightly.
This price is based on a claim back amount of 60%.
At a glance
Extras inclusions
- $500 combined limit to use on physio, psychology, chiro & more
- 100% back on an annual dental check-up & clean at a Members' Choice dentist, excludes x-rays
- 100% back on optical at recognised providers
Basic Extras
Our Basic Extras allows you to choose 55% or 70% back on extras. With 100% back on an annual dental check up* & optical up to annual limits*. Find out how.
from$88.23
$16.46 fortnightly
Minimum direct debit period fortnightly.
This price is based on a claim back amount of 70%.
At a glance
Extras inclusions
- Includes general dental, optical, physio & more
- 100% back on an annual dental check-up & clean at a Members’ Choice dentist, excludes x-rays
- 100% back on optical at recognised providers
Growing Family Extras Only
Cover for a range of pregnancy related services like lactation consults, pregnancy compression garments and clinical pilates with a physio. Find out more.
from$99.45
$18.9 fortnightly
Minimum direct debit period fortnightly.
This price is based on a claim back amount of 60%.
At a glance
Extras inclusions
- Cover for antenatal classes & pregnancy compression garments
- 100% back on extras for kids at Members’ Choice providers
- Choose cover with 60% or 70% back from Members’ Choice providers
Top Extras
Our highest level of Extras cover to help you stay in tip-top shape from head to toe. Get a quote now
from$1111.32
$22.64 fortnightly
Minimum direct debit period fortnightly.
This price is based on a claim back amount of 55%.
At a glance
Extras inclusions
- Choose cover with 55%, 70% or 85% back from Members’ Choice providers
- Covers more costly services, like major dental & hearing aids
- 100% back on an annual dental check-up & clean at a Members’ Choice dentist, excludes x-rays
Supporting documents
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.