How to check what's in your cover

Understanding what’s in your cover is the first step in being better prepared for your hospital admission.

It’s only human to feel a little overwhelmed at the thought of being admitted to hospital. It can seem like another world, and one you probably don’t want to get too used to. 

That said, simply understanding your hospital cover – what’s included and what isn’t - can give you the confidence to know what to expect, and what questions to ask your doctors and specialists before treatment.


A couple researching what is included in their cover

Call us before you book

The best way to check if the procedure you need is included in your cover is to check with one of our friendly staff.  

Even if you understand what’s included in your cover, we still recommend you speak with one of our experts if a hospital admission is on the cards. That way, you can get a better idea of the hospital admission process, and your rights to choose specialists and a hospital. We’ll also guide you through some options to keep any out-of-pocket costs to a minimum. 

Log into My Medibank or download the My Medibank mobile app  

If you are looking for a general overview of what’s included in your cover, you can log into My Medibank or download the My Medibank mobile app to check your cover summary. 

However, if you know for sure that you are going to have a procedure, we still recommending getting in touch with us to double check, explain the hospital process and understand any out-of-pocket costs you may have.

Looking for something else?

Visit our Hospital Assist homepage for a range of tools and advice to help you at every stage of your hospital journey.

Help the way you want it

Contact us 

Call us on 134 190 to speak to a consultant. Alternatively, chat to us 24/7 online.

Self-service options

Login to MyMedibank or Download the MyMedibank App for self service options.

Find a specialist

Find a specialist or Member's choice hospital using our find a provider tool.

Things you need to know

While we hope you find this information helpful, please note that it is general in nature. It is not health advice, and is not tailored to meet your individual health needs. You should always consult a trusted health professional before making decisions about your health care. While we have prepared the information carefully, we can’t guarantee that it is accurate, complete or up-to-date. And while we may mention goods or services provided by others, we aren’t specifically endorsing them and can’t accept responsibility for them. For these reasons we are unable to accept responsibility for any loss that may be sustained from acting on this information (subject to applicable consumer guarantees).