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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.

Growing Family Essentials Plus

Hospital & Extras cover that lets you choose your own obstetrician, while giving birth in a public hospital as a private patient. It also provides a broader range of Hospital services, like heart-related admissions and Extras cover that supports your pregnancy journey.

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Growing Family Essentials Plus

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Hospital cover

  • Broader range of hospital services, such as heart-related admissions shoulder & knee reconstructions
  • Rest assured you'll receive the benefits of our top level of hospital cover in the event of an Accident
  • Unlimited Emergency Ambulance Australia-wide^
     

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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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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

12 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.

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.

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.

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.

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.

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.

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.

Nil
Exclusions

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.

Extras cover

  • Supporting mums and mums-to-be with cover for antenatal classes and pregnancy compression garments
  • Save money with 100% back on extras for kids up to annual limits at Members' Choice Providers
  • You choose the cover to suit your budget and lifestyle - 60% or 70% back from Members' Choice providers

 

12 months for surgical dental procedures
increasing by $50 per full calendar year (max $600) after 4 years of continuous cover
increasing by $50 per full calendar year (max $1,000) after 4 years of continuous cover. Refer to cover summary for full details.
Opening balance. Top up of $100 per full calendar year after waiting periods have been served up to a $1,200 lifetime limit. Please refer to the cover summary for further information.
Opening balance. Top up of $200 per full calendar year after waiting periods have been served up to a $2,400 lifetime limit. Please refer to the cover summary for further information.
Combined with: Natural therapies & Remedial Massage
Combined with: Natural therapies & Remedial Massage
Combined with: Physiotherapy, Chiropractic & Osteopathy, Podiatry
Combined with: Physiotherapy, Chiropractic & Osteopathy, Podiatry
- see Remedial massage
- see Remedial massage
Combined with: Dietetics, Breathing appliances, Blood glucose & blood pressure monitors, Speech therapy, Psychology, Health appliances & external prostheses, Australian Breastfeeding Association Membership, TENS machine, Pregnancy compression garments, Antenatal/Postnatal services, Prescription pharmaceuticals (non-PBS)
Combined with: Combined with: Dietetics, Breathing appliances, Blood glucose & blood pressure monitors, Speech therapy, Psychology, Health appliances & external prostheses, Australian Breastfeeding Association Membership, TENS machine, Pregnancy compression garments, Antenatal/Postnatal services, Prescription pharmaceuticals (non-PBS)
Inclusions Annual limits per person Icon help Waiting period Icon help
Claim back percentage: 60% 70%
Claim back percentage:
No annual limit No annual limit 1 day
$750 $1000 2 months Icon help
$400 Icon help $800 Icon help 12 months
$100 Icon help $200 Icon help 12 months
$200 per person $225 per person 6 months
Combined limit. $150 per person Icon help Combined limit. $250 per person Icon help 2 months
$300 combined limit Icon help $600 combined limit Icon help 2 months
2 months
2 months
Combined limit Icon help Combined limit Icon help 2 months
$400 combined limit Icon help $1,000 combined limit Icon help 2 months
12 months
24 months
2 months
Nil
2 months
2 months
2 months
2 months
2 months
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.                 

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?

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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).

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More back for kids

For kids we provide no hospital excess on every one of our family hospital covers. We also offer 100% back on included extras at Members' Choice providers, as part of our Growing Family and Settled Families packaged covers. This only applies to child and student dependants. Only up to annual limits and waiting periods apply, including 12 months for some dental services.

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.