Understanding your hospital cover

Learn about health insurance and how to make the most of your cover

Get to know your health insurance

Health insurance can be tricky to figure out. We've put together some guides to help you understand it and the choices it gives you.

A woman researching hospital cover

What is hospital cover?

Confused about private health insurance? Unsure how hospital cover works? Here’s some information to help you better understand your options if you need to go to hospital.

A couple doing research on their laptop

Comparing your public and private hospital options

When it comes to choosing public or private healthcare it’s worth knowing the difference between the two.

A couple doing research on their laptop checking what is in their cover

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. 

Not sure what's included in your cover?

Get in touch before you start on your hospital journey. We can help you understand your options and how to make the best of your cover.

Accident and Emergency

Understand your options and how your cover can help in an accident or emergency.

Looking for more information?

Learn more about your options if you need to go to hospital and how to manage out-of-pocket costs to get the best outcome for both your health and hip pocket.

display /general / info-40 Created with Sketch.

Understanding your options

Comparing your public and private hospital options.

Choosing your specialist and hospital.

display / finance / love-moneyt-40 Created with Sketch.

Manage your costs

Make the most of your cover by knowing your entitlements and what out-of-pocket costs to expect.

Medibank health support and services

As a Medibank member you get more than just health insurance. Through Hospital Assist, we can connect you with other services to support you during each stage of your hospital journey.

24/7 Medibank Nurse

With hospital cover you’re supported by Medibank nurses on our 24/7 Medibank Nurse phone service.~

Health concierge

Health Concierge provides personalised health support to help eligible Medibank hospital members prepare for, or recover from, a hospital stay or treatment.#

Medibank at Home

With your doctor's support, eligible members can choose whether a treatment is delivered in the hospital or home, with a range of services, such as rehabilitation and chemotherapy.*

Medibank has a wide range of health support and wellbeing programs for eligible members going to hospital, including a digital health concierge and hospital experience scores.

Help the way you want it

Contact Medibank when and how it suits you; online 24/7, in store, by phone, or through the My Medibank app.

Call us on 132 331

Speak to one of our friendly staff about your cover and going to hospital.

24/7 chat online

Chat to our friendly staff online anytime for advice and help with your health cover.

Login to My Medibank

Manage your cover on the go via My Medibank or via the app.

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.

Things you need to know

# 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).

~ OSHC members should call the Student Health and Support Line on 1800 887 283.

* Must have eligible hospital cover, all relevant waiting periods must have been served and treating doctor must consider it appropriate. Out of pocket expenses may apply. Chemotherapy, palliative and dialysis program not available in all areas. 

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).