*Prices below are based on

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.

Medibank Basic Plus Healthy Start

Hospital Cover designed to meet the needs of the young and healthy. Includes procedures for joint reconstructions (things like knees and shoulders), dental surgery and hernia and appendix.

from

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Show price from 1 April

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Medibank Basic Plus Healthy Start

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The amount you pay before Medibank contributes to your hospital costs.

Prices are based on

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.

Your cover also includes 

 

Hospital cover

 

  • Cover for things young people may need, like joint reconstructions and dental surgery
  • Rest assured you'll receive the benefits of our gold 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.

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.

Nil

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

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.

 


Combine Medibank Basic Plus Healthy Start 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 from 1 April

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Healthy Start Extras

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Youth Discount applied

Youth Discount not available

A great starting point for anyone new to health cover, offering flexible Extras that's better suited for the young and healthy.

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Extras

60% claim back

  • $500 combined limit to use on physio, mental health support, chiro & more
  • 100% back on optical at recognised providers±
  • 100% back on up to two dental check-ups every year (including bitewing 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 dental limit (excludes x-rays)¹

Essential Extras

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Youth Discount applied

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Fuss-free, affordable cover that gives you access to some of the more common services to keep your general health in check.

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Extras

75% 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 bitewing 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 dental limit (excludes x-rays)¹

Top Extras

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Youth Discount applied

Youth Discount not available

Our highest level of Extras cover to help you stay in tip-top shape from head to toe.

Add cover

Extras

60% claim back

  • Choose cover with 60%, 75% or 90% 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 bitewing 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 dental limit (excludes x-rays)¹

The amount you can claim back at Members’ Choice providers, up to annual limits. Fixed amounts apply at non-Members’ Choice providers, up to annual limits.

Awarded Outstanding Value Health Insurance 16 years running

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 Restricted 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.

Waiting periods and annual limits may apply.
 

2 For Accidents that occur after your cover starts and for which treatment is sought within 7 days. Excludes claims covered by third parties such as WorkCover and our Private Room Promise. Out of pockets may apply.

^ Tasmania and Queensland have State schemes that cover ambulance services for residents of those States.

Covers with Restricted or Excluded services will be treated as Included services where treatment is required for injuries sustained in an Accident that occurs after joining this cover. Treatment must be sought within 7 days of the Accident. Excludes claims covered by third parties such as Workcover and our Private Room Promise. Out of pockets may apply. Refer to your Cover Summary. For Gold hospital covers, Accidental Injury Benefit is not required because all clinical categories are Included, regardless of whether or not the treatment is required as a result of an Accident.

¥¥ OSHC members should call the Student Health & Support Line on 1800 887 283.

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.