The government has introduced rules to prevent health insurers in Australia from paying benefits towards some natural therapy services under resident products after 1 April 2019. This decision was made as the result of a review by the government into natural therapies, which found no clear evidence of the clinical effectiveness of these services.
Yes, you can still claim up to your annual limits on all natural therapy services included under your cover for treatment received before 1 April 2019.
The following natural therapies have been removed from all Medibank products from 1 April 2019:
• Alexander Technique
• Bowen Therapy
• Western Herbalism
Following the changes on 1 April 2019, we’re only permitted to provide a Young Adult Discount to members who are aged between 18 and 29 and on an eligible hospital cover.
Although you are an existing Medibank member, the discount is based on your age on 1 April 2019. Unfortunately you will not be eligible for a discount, as you are already over the age of 29.
Following 1 April 2019, if you transfer from another insurer and you received the Young Adult Discount on your previous cover, Medibank will recognise that discount percentage on the eligible Medibank hospital cover. You just need to join Medibank within 2 months of leaving your previous insurer. Medibank will need a transfer certificate from the other insurer to confirm this.
If you close your cover and re-join Medibank within 2 months, we will honour the Young Adult Discount percentage you had prior to closing your cover. This will only apply where your new hospital cover is eligible for the Young Adult Discount.
If you suspend your cover, your Young Adult Discount will be suspended at the same time. Note: suspensions are subject to Medibank’s Fund Rules and policies.
It depends on your circumstances and which of the changes are applicable to you.
Premiums are calculated based on a number of factors and are adjusted each year on 1 April.
You may be required to pay the difference between the excess already paid and your new excess for subsequent hospital admissions during the same calendar year.
Remedial massage/myotherapy, Chinese medicine, acupuncture and exercise physiology will continue to be included on applicable Medibank extras products.
Not necessarily, a priority membership 'gold card' indicates your priority status as a loyal Medibank member not the category of cover you hold.
You will only need to serve waiting periods for services not previously included under your cover or for any increased benefits or limits.