Going to hospital?
Medibank No Gap program
Eligible members could pay no out-of-pocket costs for a knee or hip joint replacement, gastroscopy, colonoscopy, sigmoidoscopy, hernia, laparoscopic cholecystectomy or ACL reconstruction.*
Could it be an option for you?
Benefits of Members' Choice Providers
Medibank members enjoy access to our Members' Choice providers, one of the largest service provider networks in Australia, adhering to strict quality standards for safety and care, along with capped pricing& giving you generally lower out-of-pocket costs.
100% back on dental check-ups twice a year on eligible extras
Medibank members with eligible extras cover for two months or more get 100% back on up to two dental check-ups every year, including x-rays, at any Members’ Choice Advantage dentist.=
100% back on 2 pairs of single vision glasses at Specsavers^
When you purchase from the $249 range. Subject to your full annual optical limit being unused at time of purchase.±
100% back on kids extras
Get 100% back on included extras for kids - such as physio, chiro, general dental and major dental - at Members' Choice providers with our Growing Family and My Choice Extras covers.#
Frequently Asked Questions
Looking for other insurance providers?
Medibank health members are eligible for discounts on Medibank Travel, Life and Pet insurance.
The Members' Choice network is subject to change, so please contact us prior to booking an appointment or admission to ensure your provider remains part of our network.
The listing of a provider does not comprise any sort of representation or recommendation by Medibank regarding those providers. Members should rely on their own enquiries and seek any assurance or warranties directly from the provider in relation to the service or product, or with the registration bodies (e.g. AHPRA), regarding any conditions or restrictions to the provider's registration.
Discuss with your doctor whether they will use one of our arrangements. Doctors have the option to use GapCover on a case by case basis.
Some multidisciplinary Members’ Choice practices may offer services that are not covered by the Member’s Choice arrangement.
Note: Not all practices listed on provider websites will be Members’ Choice.
No out-of-pocket information available for a doctor?
Currently, out-of-pocket information is only available for doctors who have submitted 90% or more of all claims electronically to Medibank. Doctors who have submitted more than 10% of all claims manually to Medibank in the past 12 months will not have out-of-pocket information displayed.
Information presented is refreshed regularly. Information is accurate at time of printing.
* Members must have resident hospital cover that includes Joint reconstructions, Joint replacements, Hernia and appendix, Gastrointestinal endoscopy, Digestive system benefits as relevant to the procedure and all applicable waiting periods must have been served. There may be out-of-pocket expenses associated with outpatient appointments. An excess or per day payment may still be payable, depending on the product a member holds and whether they are claiming under their hospital cover for the first time in a calendar year. Excludes emergency admissions. The participating hospital and participating medical specialist will decide if the Medibank No Gap program is clinically appropriate for the member. If the member is referred to a non-participating hospital and/or one of the surgeons and/or anaesthetists who performs the procedure is not part of the Medibank No Gap program, any such procedure will not be part of the Medibank No Gap program and the member will incur out-of-pocket costs. The Medibank No Gap program is not offered in every State and Territory.
1 Limits, sub-limits, exclusions and conditions apply. This is general advice only. Medibank Private Limited, ABN 47 080 890 259, an Authorised Representative, AR 286089, of Travel Insurance Partners Pty Limited, ABN 73 144 049 230 AFSL 360138 arranges the insurance on behalf of the insurer. The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507. Please consider your own needs and the Combined FSG/PDS to decide if this product is right for you. For information on the Target Market and Target Market Determinations, visit medibank.com.au/travel-insurance/help/
2 Medibank Life Insurance and Medibank Income Protection (collectively Medibank life insurance) are issued by the insurer, Zurich Australia Limited ABN 92 000 010 195 AFSL 232510 (Zurich). NEOS Direct, a registered business name of NDLI Pty Ltd ABN 70 665 747 277 AFSL 547119, distributes and services Medibank life insurance, which is promoted by NEOS Direct's authorised representative Medibank Private Limited ABN 47 080 890 259 (AR No. 286089) (Medibank).
Any advice provided is general only and doesn’t consider your objectives, financial situation or needs. You should consider these factors, the appropriateness of the advice, and carefully read the relevant Product Disclosure Statement (which sets out the product terms, conditions and exclusions), Target Market Determination and Financial Services Guide before making a decision to acquire, or continue to hold, the product.
Your personal information will be handled in accordance with the Privacy Policies of the parties involved. Click here for NEOS Direct's Privacy Policy, Medibank Private's Privacy Policy or Zurich's Privacy Policy.
3 Eligible Medibank and ahm health members who wish to activate this discount must provide accurate membership details: (a) at point of purchase for the discount to apply; or (b) prior to renewal for the discount to apply at renewal.
Medibank Pet Insurance policies entered into for the first time prior to 30 August 2023 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by PetSure’s Authorised Representative (AR) Medibank Private Limited ABN 47 080 890 259, AR 286089 (Medibank).
Medibank Pet Insurance policies entered into for the first time on or after 30 August 2023, and subsequent renewals of those policies are issued by PetSure and promoted and distributed by PetSure’s AR, Medibank.
Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) ensure this product meets your needs before purchasing, or choosing to continue with the product. PDS and Target Market Determination available at medibank.com.au/pet-insurance.
& Excludes otical retail outlets.
= Eligible members on Medibank extras (excluding Healthy Living Extras and Gold Ultra Health) can claim a maximum of two 100% back dental check-ups per member, per year at a Members’ Choice Advantage provider (including bitewing x-rays where clinically required). For members on eligible extras, the first two check-ups do not count towards your annual limit. Members with Healthy Living Extras can get 100% back on one dental check-up each year at a Members’ Choice Advantage provider (including up to two bitewing x-rays, where clinically required) or at a Members’ Choice provider (excluding x-rays). Members with Gold Ultra Health can get 100% back on up to three dental check-ups at a Members’ Choice or Members’ Choice Advantage provider. Members’ Choice and Members’ Choice Advantage providers are not available in all areas. Two month waiting period applies. Some products may have other dental benefits, check your cover summary for details.
^ Excludes Healthy Living Extras and select products that are no longer available for sale (for more information check your cover summary or check this page). Applies to prescription glasses and select contact lenses. Some glasses lens coatings and contact lenses are excluded. To find which specific items are included or excluded, call us on 132 331. 6 month waiting period applies.
± Waiting period applies. If your full annual optical limit (or more than $225 remaining of your limit) is not available at time of purchase, out of pocket costs may apply. Both pairs must be of the same prescription. Other lens options available at an extra cost.
# Waiting periods apply, including 12 months for some dental services. For Child Dependants (up to 21 years) and eligible Student Dependants (up to 31 years). Members’ Choice providers not available in all areas.
+ Up to annual limits. Waiting periods apply. Members’ Choice providers are not available in some areas.