Extras will cover you for general day-to-day health services like physio, teeth fillings, and prescription lenses - things that don't require trips to the hospital. Hospital cover can help cover the costs of treatments that require hospital admissions, such as shoulder and knee reconstructions.

You can, but due to demands placed on the public system, there’s little choice in who looks after you, or when you can get treatment.

With private hospital cover, you get to choose your own doctor, and also when and where you can get treated.

Nope. Unlike some mobile phone contracts, you can change your mind at any time.

Limits are the maximum amount of money you can claim back for a specific service (or combined services) each year. Generally, the higher your level of cover, the higher your limit.

Most health covers allow a percentage of your costs to be claimed back on extras at Members' Choice providers (up to a specified Limit). Here's a quick example of how it works:

Your Remedial massage costs $80. Your cover allows you to claim 60% up to an annual combined Limit of $150. That means you can claim $48 for each of your first three massages.

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.