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What are out-of-pocket costs?
Get clarity about what the term ‘out-of-pocket costs’ means.
What is GapCover?
Medibank’s GapCover works to help minimise your out-of-pocket costs.
How do you reduce out-of-pocket costs?
Find out how Medibank’s GapCover can help you reduce your out-of-pocket medical expenses depending in your treatment1.
No Gap Joint Replacement Program
The No Gap Joint Replacement Program allows eligible members to pay no out-of-pocket costs^ for a knee or hip joint replacement.
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
Health concerns keeping you up at night? With hospital cover you’re supported by Medibank nurses on our 24/7 Medibank Nurse phone service. ~
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.
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
1 GapCover doesn’t cover all medical services. GapCover also does not apply to diagnostic services including pathology and radiology services, out-of-hospital medical services, and services not included under your policy. GapCover also doesn’t apply to things such as any applicable excess payment and per-day payment. You may still have out-of-pocket costs.
# 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).
Δ The information provided does not reflect clinical experience or competency or represent a score against minimum standards or accepted industry benchmarks. This tool does not provide clinical, medical or other professional advice.
* 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.
~ OSHC members should call the Student Health and Support Line on 1800 887 283.
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).
^ There may be out-of-pocket expenses associated with outpatient appointments, such as your initial visit with a participating surgeon in their consulting rooms. If a member has chosen an excess or per-day payment on their cover to lower their monthly premium, this will still be payable (for example, if you’re claiming for the first time that calendar year, you may need to pay an excess).
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