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Your 2019 Hospital and Extras premium

Your premium is set to change on 1 April, 2019. We’ll help you understand the changes to your premium, as well as the improvements we’ve made to help you get the most value from your health cover.

Changes for the better. Driven by you.

We understand that private health insurance can be a significant investment. We’ve been focusing hard at our end to deliver better value and support, by working closely with doctors, policy makers, and experts in medical technology. But perhaps most important of all, we’ve been listening to what our members have to say. Here are the recent changes we’ve made below, driven by you.

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100% back on up to two dental check-ups

We know our members want greater everyday value when it comes to extras. That’s why you can now get 100% back on up to two dental check-ups every year, for everyone on your cover, at any Members’ Choice Advantage dentist, subject to waiting periods#.
 

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Hospital Assist

Beyond just helping to pay towards hospital bills, we’re looking at ways to make going to hospital easier for eligible members with Hospital cover. The Hospital Assist program will include a Health Concierge phone serviceX, a Digital Concierge for online assistanceX, a 24/7 Health Advice Line and Patient Reported Experience Measures surveys (PREMs). 

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Medibank at Home

You asked for healthcare on your terms, so we developed Medibank at Home. This trial program - which we’re hoping to roll out nationally - allows eligible members to receive treatment from the comfort of their own home for chemotherapy, dialysis, rehabilitation and palliative care^.

Reasons to keep your cover in 2019 and beyond

Accidental Injury Benefit

We know that accidents happen. And when they do, recovery should be a top priority. It’s why we’ve made sure that regardless of their level of Hospital cover, our members receive the benefits of our top level of Hospital cover in the event of an Accident*.

24/7 Health advice line

We know that it’s important to access healthcare anywhere, anytime. That’s why members with Hospital cover can always speak with a Medibank nurse on our 24/7 Health Advice Line - 1800 644 325.

100% back on Optical 

Depending on your Extras cover, you could get 100% back on optical, up to your annual limit, at almost any provider in Australia. Waiting periods apply and some services, like lens coating, aren’t included.

You may get seen sooner

If you require elective surgery, wait times for procedures are generally shorter in a private hospital. In fact, in a private hospital, you'll be treated as soon as you and your specialist are ready.

Choose the private hospital and specialist that’s right for you

Have peace of mind knowing that as a private patient, where you’re treated and by which specialist is entirely up to you.

Don’t let hospital treatments cost you an arm and a leg

Private hospital bills can be expensive but with Hospital cover you can rest easy knowing you won't be shouldering the full costs of private treatment on your own. Out of pocket expenses apply. You can learn more about the potential costs of some common hospital procedures with our handy tool.

Getting better value from your cover

Getting better value from your cover can be as simple as understanding what's included. Log in to refresh your knowledge about your current cover.

My Medibank App.

We made it simpler for our members to stay on top of their cover with the MyMedibank App. Check your limits, make a claim for most Extras and find a Members’ Choice provider anywhere, anytime. And now, most members can estimate benefits and gaps for select Extras claims.  

Download now: Google Play or Apple App Store.

Medibank mobile app

Heading to hospital?

Below are some common hospital procedures for different life-stages and the potential 
costs involved. You can also use our handy tool to learn more about common hospital procedures for someone like you.

**Out-of-pocket expenses:

The chart shows approximate costs based on claims data for this procedure at Medibank Members' Choice Hospitals. It doesn't include out-patient costs where you aren't admitted into hospital, or doctors' fees that aren't disclosed to us (eg. booking fees).

When a medical out-of-pocket expense occurs, it is typically due to the charges for: principal specialist/surgeon, anaesthetist, assistants, diagnostics (eg. lab tests, medical imaging) and other specialists.

Important information:

This is not a quote and should be used as a guide only. The chart above shows a median view of costs for procedures (according to MBS item numbers or Adjacent DRGs) undertaken at Members’ Choice hospitals, based on Medibank in-patient claims data received electronically (between 1/7/2017 and 30/06/2018) for Australian residents and excludes those claims where a medical out-of-pocket expense has not occurred. We recommend you contact us prior to any hospital admission to: check whether the procedure is an included, limited or excluded procedure under your policy; confirm whether you have served relevant waiting periods; and discuss any out-of-pocket expenses you may incur. You should also speak to your doctors and the hospital to discuss any out-of-pocket expenses you may incur. Benefits may not be available in the first 12 months of cover if the procedure relates to a pre-existing condition.

Why premiums are reviewed annually

Reviewing premiums is necessary to keep pace with both the rising cost of healthcare, and the increasing number of treatments sought by Australians. Here’s some of the reasons why premiums are changing.

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Better quality healthcare

In Australia, we enjoy some of the best healthcare in the world. New and improving technologies mean better treatment, but they can come at a price. These technologies are often expensive to implement, and contribute to higher overall costs in the health sector.

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A rise in chronic conditions

While we’re living longer, Australians are also being admitted to hospital in record numbers. Chronic conditions such as heart disease and diabetes are still increasing year by year.

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Our ageing population

It’s great news that Australians, on the whole, are living longer. But the longer we live, the more healthcare we’re likely to need. Generally speaking, increasing life expectancy equals increasing premiums.

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Decreasing government rebates

The Australian Government Rebate on private health insurance has been steadily decreasing each year.

Improving affordability

We believe ongoing industry-wide change is needed to address broader issues around the value of health insurance. And we’ve embraced several new initiatives to make a start; like the Youth Discount that applies from 1 April 2019, and provides a financial incentive, for Australians aged between 18 and 29, to take up and maintain eligible hospital cover.

Are you on the right cover?

Everyone benefits from a quick health check now and then. And the same goes with your health insurance.

We know that affordability will always be important for our members. If your circumstances have changed since we last spoke, it may be a good time to review your cover and check if a different cover option may be more suitable.

Answer a few quick questions to find out whether your cover is still right for you, and request a callback to chat about your options.

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Frequently asked questions

Things you should know

X Health Concierge and Digital Health Concierge are 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).

Limited to two dental check-ups annually across all extras. Not available in all areas. 

*  For Accidents that occur after join date. Excludes claims covered by third parties such as Workcover, and our Private Room Promise. Out-of-pockets may apply. 

^ 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.

Rehabilitation – Available nationally. 

Palliative care – Current trials in limited areas in WA and in Sydney metro area.  

Chemotherapy – Current trials in NSW, QLD, SA, VIC and WA in metro areas. Limited availability in regional areas. 

Dialysis – Current trials in NSW, QLD and VIC. 

~ Waiting period applies. For ambulance attendance or transportation to a hospital where immediate medical attention is required and your condition is such that you couldn’t be transported any other way. Tasmania and Queensland have State schemes providing ambulance services for residents.