If you have private health insurance and choose to be treated as a private patient, you have choice over which doctors treat you and in which hospitals you’re treated. Depending on your hospital cover, it pays benefits towards some of the costs of in-hospital treatment as a private patient, and generally means reduced waiting times for elective surgery. If you have extras cover, it pays benefits towards health services usually not covered by Medicare.
An excess is an amount you will pay towards the cost of your hospital treatment. Basically, the higher the excess on your cover, the lower your premium. There are excess options available. You can choose to reduce the hospital excess and pay an additional amount in your premium. An excess applies per person for each calendar year and doesn't apply to children on your membership. It's important to note that you may have other out-of-pocket expenses.
Benefits are subject to annual and maximum benefit limits on extras covers. An annual limit is the maximum amount we'll pay for included items or services in a calendar year. The benefit we pay for a particular item or service may be less than your annual limit and less than your provider's charge which means you may have out-of-pocket expenses to pay. Benefits will be subject to the maximum price a Members' Choice provider is permitted to charge or the maximum benefit payable set by Medibank at a Non Members' Choice provider.
A Benefit Replacement Period is a period of time you need to wait after purchasing an item that we paid benefits towards, before you can receive further benefits to replace the item. For example, if you received benefits for an insulin delivery pen, purchased on 1 July 2011, you can only receive benefits for another one purchased on or after 1 July 2013. Call 1800 RIO RIO (1800 746 746) to see what your replacement periods are.
The Medicare Levy Surcharge is a tax that applies if your annual income* is over $90,000 as a single (or $180,000 as a couple/family) and you don't hold an appropriate level of hospital cover. It starts at 1% and increases (up to 1.5%) with income growth.
However, if you take out Essentials Silver Plus Hospital Cover or Gold Top Hospital cover and hold it for the full tax year, you may avoid paying the Medicare Levy Surcharge.
Depending on your age and income, the Government may pay a certain amount of your health cover premium. This rebate can reduce your health insurance bill if claimed as an upfront premium reduction. Remember that Essentials Silver Plus Hospital cover with a $500 excess (assumes no Lifetime Health Cover loading) is fully subsidised by Rio Tinto so you will only be paying the difference between the subsidised amount and your upgrade to Gold Top Hospital and/or if you add extras cover.
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COVID-19 Health Assist - Expression of interest
Complete this form to express your interest in one of our programs.
If you're eligible, a member of our team will call you within 2-3 business days.
What program are you interested in?
Sorry, only members with current
Hospital cover are eligible to participate in these programs
Eligible Medibank members with Extras cover are able to access a
range of telehealth services included on their cover -
you can find out more here.
Alternatively, if you would like to talk to one of our team about your cover,
we're here on 132 331.
Your membership details
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Your contact details
By clicking Submit, I understand that Medibank or its subsidiaries may contact me to discuss
my eligibility for the Covid-19 Heath Assist program(s), and will disclose my personal
information within the Medibank Group of companies and to third party service providers.
my personal information, and how to contact Medibank: https://www.medibank.com.au/privacy/
Thank you for expressing your interest in one of our COVID-19 Health Assist programs.
If you are eligible, one of our health professionals will call you in 2-3 business days to
discuss your situation and help to enrol you in the relevant program.
There is no cost to participate, however some referred services may incur an out of pocket cost.