Hospital & Extras

Quality cover for hospital and extras treatments with flexible options.

*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.

Mix 'n' match hospital and extras cover to suit you

Step 1

Choose a hospital cover

Medibank Basic Plus Healthy Start

from
$ -- .--*

Youth Discount applied

Youth Discount not available

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.

Hospital

$750 excess

  • Ambulance#
  • Accidents⁺
  • Joint reconstructions
  • Hernia and Appendix
  • Choice of excess

Medibank Bronze Everyday

from
$ -- .--*

Youth Discount applied

Youth Discount not available

Cost-effective hospital cover for a wide range of procedures that includes endoscopies and chemotherapy.

Hospital

$750 excess

  • Ambulance#
  • Endoscopy
  • Chemotherapy
  • Gynaecology
  • Bones, joints and muscle

and more...

Medibank Bronze Plus Progress

from
$ -- .--*

Youth Discount applied

Youth Discount not available

Hospital cover that includes a wide range of common procedures, including back, neck & spine and chemotherapy.

Hospital

$750 excess

  • Ambulance#
  • Endoscopy
  • Chemotherapy
  • Bones, joints and muscle
  • Back, neck and spine

and more...

Medibank Bronze Plus Assured

from
$ -- .--*

Youth Discount applied

Youth Discount not available

Our most comprehensive Bronze hospital cover.

Hospital

$750 excess

  • Ambulance#
  • Chemotherapy
  • Gynaecology
  • Plastic and reconstructive surgery
  • Bones, joints and muscle

and more...

Medibank Silver Plus Core

from
$ -- .--*

Youth Discount applied

Youth Discount not available

Entry to Silver hospital includes additional hospital services such as heart & vascular, lung & chest and more.

Hospital

$750 excess

  • Ambulance^
  • Heart and vascular system
  • Bone, joint and muscle
  • Lung & Chest
  • Back, neck and spine
  • Chemotherapy, radiotherapy and immunotherapy for cancer

and more…

Medibank Silver Plus Support

from
$ -- .--*

Youth Discount applied

Youth Discount not available

Providing cover towards a wide range of services including heart & vascular, rehabilitation and more.

Hospital

$750 excess

  • Ambulance^
  • Heart and vascular system
  • $300 Private Emergency Department Benefit>
  • Lung & Chest
  • Pain Management with a device
  • Rehabilitation

and more…

Medibank Silver Plus Secure

from
$ -- .--*

Youth Discount applied

Youth Discount not available

Comprehensive hospital cover to support your body as it gets older, including joint replacements, heart & vascular, and cataracts.

Hospital

$750 excess

  • Ambulance^
  • Joint Replacements
  • Heart and vascular system
  • $400 Private Emergency Department Benefit>
  • Cataracts
  • Dialysis for chronic kidney failure

and more…

Medibank Gold Protect

from
$ -- .--*

Youth Discount applied

Youth Discount not available

Our top-level Hospital cover that includes pregnancy and birth, assisted reproductive services, weight loss surgery and more.

Hospital

$750 excess

  • Ambulance#
  • Pregnancy and birth
  • Assisted reproductive services
  • Hospital psychiatric services
  • Weight-loss surgery
  • Heart & Vascular System

and more...

Step 2

Choose an extras cover

Healthy Start Extras

from
$ -- .--*

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

Extras

60% claimback

  • General & Major Dental
  • Optical
  • Physio
  • Ambulance#
  • 60% Claim back on extras^

and more...

Essential Extras

from
$ -- .--*

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

Extras

75% claimback

  • Dental
  • Optical
  • Physio
  • Ambulance#
  • 75% Claim back^

and more ...

Growing Family Extras Only

from
$ -- .--*

Extras-only cover for families, with some welcome support during the pregnancy journey.

Extras

60% claimback

  • General & Major Dental
  • Optical
  • Physio
  • 100% Claim back for kids~
  • Antenatal classes

and more ...

Top Extras

from
$ -- .--*

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

Extras

60% claimback

  • General & Major Dental
  • Optical
  • Physio
  • Orthodontics
  • Choice of claim back

and more ...

Add Hospital

+
Add Extras

=
from
$ -- .--*

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.

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

Waiting periods and annual limits may apply.  

^ You'll recieve a fixed percentage back on specified services provided by Medibank Members' Choice providers only up to annual limits. 

~ 100% back for kids only applies to child and student dependants on specified services provided by Medibank Members' Choice providers up to annual limits.

+ 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.

> We'll pay a benefit up to an annual limit per membership towards any admission fee ("facility fee") charged by the Private Hospital for patients attending a Private Accident and Emergency Department. The fee amount varies by Private Hospital and does not include medical and other charges (such as charges for diagnostic imaging or pathology), so out of pocket expenses may still apply. Only available at Private Hospitals with an Accident and Emergency Deptartment. Members will need to submit a claim to receive the benefit and may have to pay upfront. Two month waiting period applies.

# Waiting periods apply. For ambulance attendance or transportation to a hospital where immediate medical attention is required and your condition is such that you couldn’t be transported any other way. TAS and QLD have state scheme that provide ambulance services for residents of those States.

Choose a tailored package

Hospital & Extras offer - Want 6 weeks free and up to $500 in gift cards?

Join and maintain eligible Bronze hospital and extras cover or above and you could get 6 weeks free plus 50,000 Live Better Points (couples and families) or 25,000 Live Better Points (singles and single parents) to redeem on rewards like gift cards. We'll also waive 2&6 month waiting periods on extras. Offer ends 31 March 2024. New members only.€ Use promo code: 6WEEKSPLUS

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Want greater flexibility & choice with your cover?

Then how about building your own extras cover with Medibank's new My Choice Extras?

Did you find this information useful?

€ For new members on new memberships who join and start eligible combined Bronze hospital and extras cover or above from 24 January – 31 March 2024 and who have not held Medibank health cover in previous 60 days (unless they are dependents coming off their parent’s cover). Must quote promo code ‘6WEEKSPLUS’ and set up direct debit when joining. Excludes Hospital only cover, Extras only cover, Basic covers, Corporate covers, Accident Cover, Ambulance Cover, Overseas Visitors Cover (OVC), Overseas Students Health Cover (OSHC), Overseas Workers Health cover, Travel Insurance, Pet Insurance, Funeral Insurance, Life Insurance & Income Protection, ahm covers and all corporate covers. Not available with any other offer. Medibank may end this offer or amend these offer terms and conditions at any time without notice.  Medibank employees are not eligible for this offer.

6 weeks free terms: Must maintain direct debit and hold eligible cover for 42 consecutive days from the policy start date to get next 6 weeks free. The 6 weeks free will not be issued if you change to an ineligible cover, terminate your cover or suspend your cover during this period.

2&6 month waits waived on extras terms: 2&6 month waiting periods on extras waived. Other waiting periods apply (including 12 months on some dental services). If you're switching from another fund and you’ve used any of your current limits (at that fund), that will count towards your annual limits with us.  If you've reached your limits at your previous fund you may not be able to claim straight away on extras.

Live Better points terms: Must maintain direct debit and hold eligible product for 42 consecutive days from the policy start date to receive Live Better points. The points will not be issued if you change to an ineligible cover, terminate your cover or suspend your cover during this period. Policyholder will require access to a smartphone and will need to download the My Medibank App. Policyholder will need to have registered a My Medibank account, sign up to Live Better via the My Medibank App and track any Live Better activity within 42 consecutive days from the policy start date.  Policyholder must also maintain direct debit and continue to hold an eligible product for 42 consecutive days from the policy start date to receive the Live Better Points. Must be 18 years or over and have a valid Australian residential address to register for Medibank Live Better. Live Better points could take up to 10 weeks from the policy start date to be loaded to the policyholder’s Live Better account. Singles and single parents will receive 25,000 Live Better points, and families and couples will receive 50,000 Live Better points.

Live Better rewards terms: Must be a Medibank member with eligible hospital cover, extras cover, or hospital and extras cover, be up-to-date with premium payments and have signed up to Medibank Live Better via the ‘My Medibank’ app to redeem rewards. Additional terms and conditions may apply to the redemption of a reward depending on the type of reward chosen. Read full Medibank Live Better terms here: https://www.medibank.com.au/livebetter/rewards/terms/

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