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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.

Ultra Health Cover

No compromise cover with both Hospital and Extras, created for those who don't want to leave anything to chance. It's our highest level of cover.

from
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None

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100%

Ultra Health Cover

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None

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100%

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None

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100%

Hospital cover

  • Our most extensive level of Hospital cover. Full Stop.
  • Earn an UltraBonus each year to cover eligible hospital out-of-pocket costs
  • 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.

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

(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.

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

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.

6 months

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

  • Includes exclusive Ultra benefits, such as laser eye surgery
  • Higher annual limits for more costly services, such as major dental, orthodontics and hearing aids
  • Health screening test, bowel screening, bone density, retinal scans where not covered by Medicare                      

 

12 months for surgical dental procedures
opening balance top up of $500 per full calendar year up to $3,500 lifetime limit. Refer to cover summary for full details.
Combined with: Remedial massage and Natural therapies.
- see Remedial massage
Lifetime Limit - refer to Cover Summary for full details.
Inclusions Annual limits per person Icon help Waiting period Icon help
Claim back percentage: 100%
Claim back percentage:
N/A 1 day
No annual limit 2 months Icon help
$1600 12 months
$1500 Icon help 12 months
$300 6 months
$500 combined limit Icon help 2 months
$1000 2 months
$750 2 months
$600 2 months
Combined limit Icon help 2 months
$600 2 months
$300 12 months
24 months
$600 2 months
$600 Nil
$600 2 months
$100 2 months
$200 2 months
$1600 36 months
$800 2 months
$600 2 months
$600 2 months
$250 2 months
$500 2 months
$3500 Icon help 36 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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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.