Minor illnesses, such as a cough, cold or sore throat, may be treated with over-the-counter medicine from a pharmacy, but there are times when you may need medical attention.

If you or someone you’re with is seriously injured or in need of urgent medical help, call 000. If you're sick, but it's not a life-threatening emergency and you do not require immediate medical attention, you may first consider seeing a General Practitioner GP. Click to learn more.

In Australia, a local doctor who is trained in general medical practice is called a GP, or a General Practitioner. 

A GP can help you by diagnosing and treating pain, diseases and other health issues. They can also help with mental health support, vaccines, referrals for tests or scans, managing and treating wounds, prescribe medication if required, as well as referring you to specialist doctors, who are doctors who have completed advanced training in a specific area of medicine.  Some GPs also have areas of special health interests, such as women’s health, mental health, sexual health or dermatology.

GPs can have their own independent practice or be part of a larger group of medical practitioners in a medical centre.

You can search for your nearest GP via the government’s ‘Find a Health Service’ tool.

Medibank Pacific Workers members can access Online Doctor 24/7 via the My Medibank app, offering convenient video or phone consultations with a doctor without the need to visit a clinic in-person.²

Through this service, members can access medical advice, obtain prescriptions, and receive medical certificates from the comfort of their own space.

Medibank will help pay towards the cost of GP visits if out-of-hospital medical is included in your cover. Check your cover summary to see if your cover includes GP visits. 

The Australian government sets a fee (known as the Medicare Benefits Schedule Fee, or MBS fee) for GP visits. As long as out-of-hospital medical services are included in your cover, Medibank will pay at least 100% of the MBS fee for GP visits. Most of the time you’ll have to pay the GP’s fee first, then claim the benefit back from us afterwards. If your GP charges more than the MBS fee, the amount you get back from us may be less than the amount you paid and you'll have to pay any difference. This difference is called an out-of-pocket expense.

It’s a good idea to ask your GP what your visit will cost beforehand, and to give Medibank a call to find out how much you’ll get back. Contact Us.

• For medical claims like GP appointments: 

You can claim through HICAPS by presenting your Medibank membership card at the clinic, or on the My Medibank app on your phone, or My Medibank online. If you don't have a My Medibank account, register now in two easy steps. 

For all other outpatient services, simply fill out and mail the Medibank claim form as per the instructions on the form. 

• For outpatient and emergency department claims:

If you visited an Emergency without being admitted into the hospital as an 'inpatient', you can send the filled-in Medibank claim form and invoices to:

Medibank

GPO Box 2984

Melbourne VIC 3001

Please allow 21 days for payment. To check the status of a claim please contact the Provider Advocacy Team on 1300 130 460 or use our web messaging service.

• For hospital claims:

If you're admitted into a hospital, you can send the filled-in National Private Patient Hospital Claim Form and invoices to:

Medibank Hospital Claims

GPO Box 9999

Melbourne VIC 3001

Please allow 21 days for payment. To check the status of a claim please contact the Provider Advocacy Team on 1300 130 460 or use our web messaging service.