Hospital insurance

Excess
An excess is the amount you pay before Medibank contributes to your hospital costs.
Benefits
  • Cover for accidents and ambulance
  • Treatment for heart-related services and more
  • Cover for obstetrics in a public hospital as a private patient. Learn more in our article understanding your hospital birth options.
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.

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

2 months (12 months for pre-existing)

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

Shoulder and knee reconstruction surgery & investigations

Reconstructions to repair ligament tears, remove loose tissue or treat other damage

2 months (12 months for pre-existing)

Minor Gynaecological Surgery

Surgery to treat conditions of the female reproductive system e.g. endometriosis. Excludes IVF

2 months (12 months for pre-existing)

Repair of Hernia

Surgical repair and treatment of a hernia

2 months (12 months for pre-existing)

Appendicitis treatment

Hospitalisation for appendicitis

2 months (12 months for pre-existing)

Removal of appendix

The surgical removal of your appendix

2 months (12 months for pre-existing)

Removal of tonsils & adenoids

Surgery to remove tonsils and/or adenoids

2 months (12 months for pre-existing)

Surgical removal of wisdom teeth (for hospital charges only)

Accommodation and theatre charges for wisdom tooth removal in hospital (does not include doctor/dentist fees)

2 months (12 months for pre-existing)

Colonoscopies

Procedure to examine the large bowel

2 months (12 months for pre-existing)

Palliative care

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

2 months

Spinal Fusion

Surgery to join two vertebrae

2 months (12 months for pre-existing)

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

Rehabilitation treatment

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

2 months

Heart-related medical and surgical admissions

Including open heart and bypass surgery, and invasive cardiac investigations and procedures, such as angiograms, angioplasties and stent insertions.

2 months (12 months for pre-existing)

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.

Obstetrics-related services (eg. pregnancy)

Including regular and caesarean childbirth and in-patient diagnostic imaging

12 months

Plastic & reconstructive surgery

Surgery to repair deformity or improve function e.g. after cancer or tumour removal, repair of lacerations, burns or scars, to treat congenital abnormalities or following traumatic injuries.

2 months (12 months for pre-existing)

Other joint replacement surgery

Replacement surgery for shoulders, elbows and ankles

2 months (12 months for pre-existing)

All other in-hospital services where a Medicare benefit is payable.

The Medicare Benefits Schedule defines what are considered appropriate interventions or treatment in Australia.

2 months (12 months for pre-existing)

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
from $22.42

Minimum pay frequency is fortnightly ($44.84)

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.

Add extras cover

Help cover the cost of extras with extra cover that suits you

Healthy Start Extras
from $5.21 /week

($10.42 per fortnight)

Add
Basic Extras
from $7.67 /week

($15.34 per fortnight)

Add
Growing Family Extras Only
from $9.74 /week

($19.48 per fortnight)

Add
Top Extras
from $10.57 /week

($21.14 per fortnight)

Add
icon-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).

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