Hospital insurance

Excess
An excess is the amount you pay before Medibank contributes to your hospital costs.
Benefits
  • Ambulance & accident cover
Excess An excess is the amount you pay before Medibank contributes to your hospital costs.

Choosing a higher excess will lower your premium. An excess will apply to each adult member admitted to hospital per calendar year. No hospital excess applies to children on family memberships.

Hospital inclusions
Included Treatments & Features Waiting periods Waiting periods explained Waiting periods are a length of time you need to wait after taking out your cover before you can claim or receive benefits covered by your policy. Waiting periods apply to new members or for new services, including if you're changing to a higher level of cover. If you're switching, we'll recognise waiting periods you've already served, so you'll only need to serve any balance with us before you can claim. A 12 month waiting period applies for all pre-existing conditions. Pre-existing condition A pre-existing condition is an ailment, illness or condition where 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. A 12-month waiting period applies for all pre-existing conditions. Call 134 190 to find out more.

Ambulance services

100% cover for immediate professional attention. Includes ambulance transportation to hospital when your medical condition means you can't be transported in any other way. Tasmania and Queensland have State schemes that cover ambulance services for residents of those States.

2 months

Restricted 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.

Palliative care

Health care that provides support to people with a life-limiting illness

2 months

Restricted 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.

Psychiatric treatment

Including diagnosed disorders or addiction requiring immediate hospital-based intervention

2 months

Restricted 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.

Rehabilitation treatment

Approved physical therapy and exercise programs, generally following an inpatient admission

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. Refer Cover Summary for full details.

nil

Access to GymBetter and Mi Health support services.

Support services include Medibank nurse 24/7, Online Health Hub and Mobile Health Apps.

nil

More details

Extras insurance

Benefits
  • 60% back on extras such as physio & remedial massage
  • 100% back on a yearly check-up at a Members' Choice dentist (excludes x-rays). And this doesn't count towards annual limits
  • Cover for general dental
60% Claim Back Guaranteed percentage back on specified services provided by Medibank Members' Choice providers only up to annual limits. Services available through our Members' Choice provider network are indicated in the table with a #. Claim 60% back on the costs of included treatments at Medibank Members' Choice providers, up to annual limits. We've negotiated a capped price with Members' Choice providers, so you won't be charged more than the agreed price. If your provider is not part of our Members' Choice network, we still pay benefits up to a fixed benefit. This may be less than the provider charges, as we haven't negotiated a price with them. Generally, the higher the level of cover you choose, the higher the fixed benefit which will help reduce your out-of-pocket expenses.

Guaranteed percentage back on specified services provided by Medibank Members' Choice providers only up to annual limits. Services available through our Members' Choice provider network are indicated in the table with a #.

Extras inclusions
Included Treatments Annual limits per person An annual limit is the maximum amount of benefits Medibank will pay for particular treatments each calendar year. Generally, the more comprehensive your cover, the higher the annual limits. If you are switching, benefits that have been paid under your previous cover will be taken into account in determining the benefits payable under your Medibank cover. Waiting periods Waiting periods explained Waiting periods are the length of time you need to wait after taking out your cover before you can claim or receive benefits covered by your policy. Waiting periods apply to new members or for new services, including if you're changing to a higher level of cover. If you're switching, we'll recognise waiting periods you've already served, so you'll only need to serve any balance with us before you can claim.

Ambulance services

100% cover for immediate professional attention. Includes ambulance transportation when your medical condition means you can't be transported in any other way. Tasmania and Queensland have State schemes that cover ambulance services for residents of those States.

N/A

2 months

General dental#~

Includes examinations, preventative treatment, scale and clean, extractions, fillings and x-rays and surgical removal of wisdom teeth

$300

2 months (12 months for surgical dental procedures)

Optical items#

100% back up to annual limits at any recognised provider. Includes frames, prescription lenses and repairs.

$150

6 months

Remedial massage#

Benefits towards remedial massage treatments

$100

2 months

Physiotherapy#

Includes one-on-one and group consultations, Clinical Pilates, antenatal and hydrotherapy sessions

$400

2 months

Chiropractic# & Osteopathy

Benefits towards consultations with an osteopath or chiropractor

$400

2 months

Natural therapies

Consultations for naturopathy# and acupuncture#.
Consultations for reflexology, kinesiology, Chinese & Western herbalism, exercise physiology, shiatsu, aromatherapy, homeopathy, Bowen therapy, Alexander technique & Feldenkrais.

$400

2 months

Dietetics

Benefits towards dietitian and nutritionist consultations

$400

2 months
More details

# 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.
~ 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.

from $18.53

Minimum pay frequency is fortnightly ($37.06)

Prices vary from state to state, and depending on your age, income and if you've held hospital cover previously. Prices are based on singles cover in NSW assuming 26.791% Australian Government Rebate and no Lifetime Health Cover loading.  Minimum payment frequency is fortnightly. Waiting periods and annual limits may apply.

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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).

I am up to $200 better off

Get a $200 gift card for families and couples or a $100 gift card for individuals when you join Hospital & Extras by December 12

Canstar-2008-2016

Benefits of being a medibank member

Medibank nurse 24/7
Fast online claims
Wide range of extras
Advice for better health