Enter your postcode to find your nearest store to have a face-to-face chat!
.
Prices below are based on
This field is required
This field is required
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.
Please enter your name.
Contact number should begin with a '0'.
The amount you pay before Medibank contributes to your hospital costs.
The amount you can claim back at Members’ Choice providers, up to annual limits.
Want up to $400 worth of gift cards?
Join eligible Medibank hospital & extras and complete a Live Better goal or challenge to receive: 20,000 points (singles) or 40,000 points (couples/families) to redeem on rewards. Plus - we'll waive your 2&6 month waits on extras. Offer extended to 16 November. New members only.‡ Must use promo code: LIVEBETTER
Get a quote Find out more
Choosing Silver health cover with Medibank
Medibank is rolling out all of the government’s reforms to make health insurance simpler to understand. As part of the changes we’ve categorised our products as ‘Basic’, ‘Bronze’, ‘Silver’ and ‘Gold’ to make it easier for you to compare health insurance products.
Hospital cover that provides a wide range of services, including heart and vascular procedures and plastic and reconstructive surgery. You'll also receive the benefits of our top level of cover in the event of an Accident.+
Some of the services in Silver health insurance are:
- Heart and vascular system
- Lung and chest
- Blood
- Back, neck and spine
- Dental surgery
- Implantation of hearing devices
Hospital treatments by clinical category
| Inclusion | Basic (View) |
Bronze (View) |
Silver (View) |
Gold (View) |
|---|---|---|---|---|
| Rehabilitation | ✓ R | ✓ R | ✓ R | ✓ |
| Hospital psychiatric services | ✓ R | ✓ R | ✓ R | ✓ |
| Palliative care | ✓ R | ✓ R | ✓ R | ✓ |
| Brain and nervous system | RCP | ✓ | ✓ | ✓ |
| Eye (not cataracts) | RCP |
✓ | ✓ | ✓ |
| Ear, nose and throat | RCP |
✓ | ✓ | ✓ |
| Tonsils, adenoids and grommets | RCP |
✓ | ✓ | ✓ |
| Bone, joint and muscle | RCP |
✓ | ✓ | ✓ |
| Joint reconstructions | RCP |
✓ | ✓ | ✓ |
| Kidney and bladder | RCP |
✓ | ✓ | ✓ |
| Male reproductive system | RCP |
✓ | ✓ | ✓ |
| Digestive system | RCP |
✓ | ✓ | ✓ |
| Hernia and appendix | RCP |
✓ | ✓ | ✓ |
| Gastrointestinal endoscopy | RCP |
✓ | ✓ | ✓ |
| Gynaecology | RCP |
✓ | ✓ | ✓ |
| Miscarriage and termination of pregnancy | RCP |
✓ | ✓ | ✓ |
| Chemotherapy, radiotherapy and immunotherapy for cancer | RCP |
✓ | ✓ | ✓ |
| Pain management | RCP |
✓ | ✓ | ✓ |
| Skin | RCP |
✓ | ✓ | ✓ |
| Breast surgery (medically necessary) | RCP |
✓ | ✓ | ✓ |
| Diabetes management (excluding insulin pumps) | RCP |
✓ | ✓ | ✓ |
| Heart and vascular system | RCP |
- | ✓ | ✓ |
| Lung and chest | RCP |
- | ✓ | ✓ |
| Blood | RCP |
- | ✓ | ✓ |
| Back, neck and spine | RCP |
- | ✓ | ✓ |
| Plastic and reconstructive surgery (medically necessary) | RCP |
- | ✓ | ✓ |
| Dental surgery | RCP |
- | ✓ | ✓ |
| Podiatric surgery (provided by a registered podiatric surgeon) | RCP |
- | ✓ | ✓ |
| Implantation of hearing devices | RCP |
- | ✓ | ✓ |
| Cataracts | RCP |
- | - | ✓ |
| Joint replacements | RCP |
- | - | ✓ |
| Dialysis for chronic kidney failure | RCP |
- | - | ✓ |
| Pregnancy and birth | RCP |
- | - | ✓ |
| Assisted reproductive services | RCP |
- | - | ✓ |
| Weight loss surgery | RCP |
- | - | ✓ |
| Insulin pumps | RCP |
- | - | ✓ |
| Pain management with device | RCP |
- | - | ✓ |
| Sleep studies | RCP |
- | - | ✓ |
| View Basic | View Bronze | View Silver | View Gold |
✓ - Indicates the treatment/service is a minimum requirement of the product category. The service must be covered on an unrestricted basis.
✓ R - Indicates the treatment/service is a minimum requirement of the product category. The service may be offered on a restricted cover basis.
RCP - Restricted cover permitted: indicates the treatment/service is not a minimum requirement of the product category. Insurers may choose to offer these as additional services on a restricted or unrestricted basis.
Blank - Indicates the treatment/service is not a minimum requirement of the product category. Insurers may choose to offer these as additional services; however, where offered these must be on an unrestricted basis.
Silver health insurance may be suitable for you if you want a wider range of services included in your cover.
Silver cover includes, among other things, heart and vascular services, reconstructive surgery (when medically necessary) and lung and chest services. It may meet your needs if you have a history of heart or lung issues, or if you need reconstructive surgery following a bout of breast or skin cancer in the future. Keep in mind if you have a pre-existing condition, there is a 12 month waiting period, which means you need to have cover that includes these services at least a year before you can claim for them.
And remember, it’s good to check through the list of services included in Gold cover to make sure there isn’t anything else you might need included in your cover.
Silver cover may also help to avoid the Medicare Levy Surcharge or Lifetime Health Cover Loading.
Why choose Medibank?
24/7 Medibank Nurse
Health concerns keeping you up at night? Members with hospital cover are supported by Medibank nurses on our 24/7 Medibank Nurse phone service.¹
Better value for rural and regional members
Medibank is introducing travel and accommodation benefits on some hospital covers for people in regional and rural areas who need to travel more than 200km for hospital treatment.
Hospital Assist
Medibank's Hospital Assist makes going to hospital a little less stressful for our members², with personalised phone support before and after your stay. You’ll also get digital info packs, access to the 24/7 Medibank Nurse phone service, hospital info and patient reviews.
Not what you're looking for?
Mix 'n' match hospital & extras
Build your own package by choosing the level of hospital and extras cover that is right for you.
Hospital only cover
Help cover the cost of hospital treatments with hospital cover that suits you.
Extras only cover
Cover for optical, dental, physio and more at a level that suits you.
Need more cover?
View our range of Gold health insurance products for a bit more cover.
Things you should know
Waiting periods and annual limits may apply.
+ 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.
# Tasmania and Queensland have State schemes that cover ambulance services for residents of those States.
^ Guaranteed 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.
1 OSHC members should call the Student Health & Support Line on 1800 887 283
2 Health Concierge is available to all eligible Medibank members who hold hospital cover. Excludes Overseas Visitor Health Cover, Working Visa Health Cover and Overseas Student Health Cover (OSHC).
‡ Offer extended - for new Medibank members on new memberships who join and start eligible combined hospital and extras from 1 September – 16 November 2021 and have not held Medibank health cover in the previous 60 days (unless a dependent coming off parent's cover). Must quote promo code ‘LIVEBETTER’ and set up direct debit when joining. Must maintain direct debit and hold eligible product for 28 continuous days from the policy start date in order to receive the offer. Excludes Corporate covers, Accident Cover, Ambulance Cover, Overseas Visitors Health Insurance, Overseas Students Health Cover (OSHC), Working Visa Health Insurance, ahm covers and other selected covers. Not available with any other offer. Live Better Points: Policyholder will require access to a smartphone and will need to download the My Medibank App and complete a Live Better goal or download the Medibank Live Better app, register a new account and successfully complete any one-week challenge or goal within 42 days of joining. Must be 18 years or over and have a valid Australian residential address to register for Medibank Live Better. Policyholder will need to have registered a My Medibank account and linked their My Medibank account with their Live Better account within 42 days after the policy start date. Live Better points could take up to 8 weeks from the policy start date to be loaded to the policyholder’s Live Better account. Singles and single parents will receive 20,000 Live Better Points, and families and couples will receive 40,000 Live Better Points. Rewards terms: Must be a Medibank member with hospital cover, extras cover, or hospital and extras cover, be up-to-date with premium payments and have signed up to Medibank Live Better with ‘My Medibank’ or have linked their MyMedibank account with their Live Better account 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/ 2&6 month waits waived on extras: 2&6 month waiting periods on extras waived. Other waiting periods apply (including 12 months on some dental services). If you’ve reached your limits from a previous fund you may not be able to claim straight away.
Have questions?
Our team of experts are ready to help!
Fill in the form below or get in touch by calling our dedicated line 1300 110
086.
We are open on Sundays.
In providing your telephone number, you consent to Medibank contacting you about health insurance.
We'll have someone call you soon to help with any questions you have.
Or, check out our FAQs and guides to help get you started.