We're here to help you understand your cover and available support options
Whether exploring your options online or speaking with one of our friendly team members, we’re here to help you understand your cover so you can make informed decisions about your healthcare.
We can explain:
Which cover includes heart disease treatment
How cover works if you already have a pre-existing heart condition
What to expect around gap payments
Health Insurance for Heart Disease Treatment
Medibank Hospital cover may help pay benefits towards eligible hospital treatment and specialist services for heart disease, subject to your level of cover, waiting periods and policy terms.
Out of pocket costs may still apply, including where your provider does not participate in Medibank's GapCover scheme.
The amount you pay before Medibank contributes to your hospital costs.
Hospital cover for heart disease treatment
Heart disease is a serious issue1 and that's why you'll need the specialty cover for heart and vascular treatment. Our Medibank Silver and Gold tier hospital covers include cover for conditions such as heart failure and heart attack and monitoring of heart conditions.*
Health insurance for pre-existing heart disease
Even if you have a pre-existing heart disease condition, you can still take out or upgrade your health insurance with us.
Tools to build heart health habits for life
From Health Checks for heart disease to practical guides on exercise, nutrition and stress management, Medibank helps make heart disease easier to understand and manage with healthy habits that fit your everyday life.
Take charge of your heart health
Understanding your heart health starts with knowing your risk. Medibank provides access to information on Health Checks, risk factors and healthy lifestyle changes, helping you stay one step ahead and make informed decisions about your wellbeing.
Cardiac rehab without leaving home
Eligible members can access Heart Health at Home+, a digital cardiac rehab program designed to help recovery after a heart event or procedure. This program is delivered virtually, with weekly coaching and support from experienced health professionals.
Learn more
Things you should know
** Eligibility criteria apply. Availability of services and programs depends on the member's cover, clinical suitability and any applicable program requirements.
^ Waiting period applies. 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 schemes that provide ambulance services for residents of those States.
> Two month waiting period applies. 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 Department. Members will need to submit a claim to receive the benefit and may have to pay upfront.
+ Heart Health at Home is available, where clinically appropriate, for eligible Medibank members. Eligibility criteria apply. The program is designed for members who have recently experienced a heart event or procedure suitable for cardiac rehabilitation. There is no enrolment fee for eligible members, however GP or specialist consultation fees may apply if services are not bulk billed.
* Benefits are payable only for services included under the member's level of Hospital Cover and where all applicable waiting periods have been served. Out-of-pocket expenses, exclusions, restrictions, excesses and co-payments may apply.
# A Pre-Existing Condition (PEC) is an ailment, illness or condition where, in the opinion of a medical advisor appointed by the Medibank, the signs or symptoms of that ailment, illness or condition existed at any time in the period of six months ending on the day on which you person became insured under the policy or changed the level cover. Applicable waiting periods must be served before benefits are payable.
¶ Not all doctors participate in GapCover. Known Gap and No Gap arrangements are subject to scheme rules and participating provider arrangements. Out-of-pocket costs may still apply.
1 What is heart disease? The Heart Foundation. Retrieved on 24 August 2026.