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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.
Live better with 6 weeks free
Join eligible combined hospital & extras cover and you could get 6 weeks free. Plus - we'll waive 2&6 month waiting periods on extras. New members only.‡ Use promo code: 6FREE
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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 members on new memberships who join and start eligible combined hospital and extras from 1 March – 30 June 2021 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 6FREE and set up direct debit when joining. 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. 6 weeks free: Must maintain direct debit and hold eligible product for 30 continuous days from the policy start date to get next 6 weeks free. 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?
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