Refine your details
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.
Core Hospital
Core Hospital provides cost-effective cover for a wide range of common hospital procedures.
Updating to fortnightly payments
For joins completed online, cover payments must be fortnightly at a minimum. We'll update the selected pricing for this cover from weekly to fortnightly.
Email your quote
Thank you. We've sent your quote to the email address provided.
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). |
|---|---|
|
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. No matter what hospital excess you pay, the excess will not apply if kids on your membership are admitted to hospital Waiting period
|
2 months
(12 months for pre-existing) |
|
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. 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
|
1 day |
|
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. Reconstructions to repair ligament tears, remove loose tissue and to treat other damage. Waiting period
|
2 months
(12 months for pre-existing) |
|
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. Surgery to treat conditions of the female reproductive system e.g. endometriosis. Excludes IVF Waiting period
|
2 months
(12 months for pre-existing) |
|
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. Surgical repair and treatment of a hernia Waiting period
|
2 months
(12 months for pre-existing) |
|
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. Admission to hospital for a suspected inflamed appendix (appendicitis) and where appendectomy is not required. Waiting period
|
2 months
(12 months for pre-existing) |
|
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. Surgery to remove an inflamed appendix.
Waiting period
|
2 months
(12 months for pre-existing) |
|
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. Surgery to remove tonsils and/or adenoids. Waiting period
|
2 months
(12 months for pre-existing) |
|
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. 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
|
2 months
(12 months for pre-existing) |
|
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. 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
|
2 months
(12 months for pre-existing) |
|
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. 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
|
2 months |
|
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. 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. Members that have served the 2 month waiting period for Limited Psychiatric treatment may be eligible to use the once-per-lifetime Mental Health Waiver when upgrading (without a break of more than 2 months) to a cover with Included Psychiatric treatment.
Waiting period
|
2 months |
|
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. 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. Waiting period
|
2 months |
|
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. 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
|
2 months
(12 months for pre-existing) |
|
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. Covers which have services that are normally Limited 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
|
Nil |
| Exclusions |
|---|
|
Surgery to join two or more vertebrae to reduce pain and improve function arising from disorders of the spinal column. |
|
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. |
|
Medical and surgical admissions to investigate, diagnose, monitor and/or treat heart-related conditions. |
|
Services and treatment provided in hospital that deal with the care of women during pregnancy, childbirth and following delivery. It includes delivery of the baby and complications of pregnancy. This does not include any treatment that the baby may require.
|
|
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. |
|
Such as hysterectomy, prolapse and ovarian 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.
|
|
Surgery for cataracts, as well as other eye lens related hospital admissions. |
|
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. |
|
Surgery to replace a joint with a prosthesis by replacing all or part of the joint or joint resurface. It includes joint replacement surgery after fracture as well as revision of previous replacement surgery. Any prosthesis provided must be on the Australian Government Prostheses List for benefits to be payable.
|
|
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). |
|
Surgery of arteries and removal of varicose veins. |
|
Insertion of a device or injection to manage severe movement disorders or chronic pain. |
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.
Supporting documents
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.
Show price after April 1
Basic Extras
Fuss-free, affordable cover that gives you access to some of the more common services to keep your general health in check.
Extras
55% claim back
- Includes general dental, optical, physio & more
- 100% back on optical at recognised providers
- 100% back on up to two dental check-ups every year (including x-rays) at any Members’ Choice Advantage dentist**, OR
- 100% back on an annual dental check-up & clean at any Members' Choice dentist, on top of your annual dental limit (excludes x-rays)***
The amount you pay before Medibank contributes to your hospital costs.
The amount you can claim back at Members' Choice providers, up to annual limits.
Healthy Start Extras
A great starting point for anyone new to health cover, offering flexible Extras that's better suited for the young and healthy.
Extras
60% claim back
- $500 combined limit to use on physio, psychology, chiro & more
- 100% back on optical at recognised providers
- 100% back on up to two dental check-ups every year (including x-rays) at any Members’ Choice Advantage dentist**, OR
- 100% back on an annual dental check-up & clean at any Members' Choice dentist, on top of your annual dental limit (excludes x-rays)***
The amount you pay before Medibank contributes to your hospital costs.
The amount you can claim back at Members' Choice providers, up to annual limits.
Growing Family Extras Only
Extras-only cover for families, with some welcome support during the pregnancy journey.
Extras
60% claim back
- 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
- 100% back on up to two dental check-ups every year (including x-rays) at any Members’ Choice Advantage dentist**, OR
- 100% back on an annual dental check-up & clean at any Members' Choice dentist, on top of your annual dental limit (excludes x-rays)***
The amount you pay before Medibank contributes to your hospital costs.
The amount you can claim back at Members' Choice providers, up to annual limits.
Top Extras
Our highest level of Extras cover to help you stay in tip-top shape from head to toe.
Extras
55% claim back
- Choose cover with 55%, 70% or 85% back from Members’ Choice providers
- Covers more costly services, like major dental & hearing aids
- 100% back on up to two dental check-ups every year (including x-rays) at any Members’ Choice Advantage dentist**, OR
- 100% back on an annual dental check-up & clean at any Members' Choice dentist, on top of your annual dental limit (excludes x-rays)***
The amount you pay before Medibank contributes to your hospital costs.
The amount you can claim back at Members' Choice providers, up to annual limits.
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).
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 Limited 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.
^ 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.
* Cover only for Accidents that occur after join date. Excludes claims covered by third parties such as Workcover and our Private Room Promise. Out of pockets may apply.
** 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.
*** Waiting period applies.
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.
We'll have someone call you soon to help with any questions you have.