(before any rebate, loading or discount)
Covers only one person
Available in South Australia
Closed to new members
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include a Lifetime Health Cover loading, an age-based discount or an insurer discount. Check with your insurer for details.
This policy exempts you from the Medicare Levy Surcharge.
This policy provides accident cover and benefits for travel or accommodation (outside of hospital) - check with your insurer for details.
| Dental surgery | Tonsils, adenoids and grommets | Rehabilitation |
| Hernia and appendix | Hospital psychiatric services | |
| Joint reconstructions | Palliative care |
| Assisted reproductive services | Ear, nose and throat | Miscarriage and termination of pregnancy |
| Back, neck and spine | Eye (not cataracts) | Pain management |
| Blood | Gastrointestinal endoscopy | Pain management with device |
| Bone, joint and muscle | Gynaecology | Plastic and reconstructive surgery (medically necessary) |
| Brain and nervous system | Heart and vascular system | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Breast surgery (medically necessary) | Implantation of hearing devices | Pregnancy and birth |
| Cataracts | Insulin pumps | Skin |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Joint replacements | Sleep studies |
| Diabetes management (excluding insulin pumps) | Kidney and bladder | Weight loss surgery |
| Dialysis for chronic kidney failure | Lung and chest | |
| Digestive system | Male reproductive system |
The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.
Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket costs that may apply to you.
Excess: You will have to pay an excess of $750 per admission. This is limited to a maximum of $750 per person per year.
Co-payments: No co-payments
Waiting periods:
This provider offers 'known gap' or 'no gap' cover for medical bills for this product.
The Medical Costs Finder lets you find out more about the cost of specialist medical services.
At Members' Choice extras providers you may get more for your cover. This includes 100% back on a dental check up, scale and clean each year and great optical deals. See https://www.medibank.com.au/health-insurance/find-provider/#/.
| Note, for items marked with an asterisk *: A 12 month waiting period applies to surgical tooth removal. Benefit payable for exercise physiology is $16.00 for individual consultation and $10.00 for group consultation. | |||
|---|---|---|---|
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
| General dental* | 2 | $400 per policy (combined limit for general dental, major dental & endodontic) | Periodic oral examination - $22.50 Scale & clean - $44.00 Fluoride treatment - $13.30 Surgical tooth extraction - $116.00 |
| Major dental | 12 | Full crown veneered - $400.00 | |
| Endodontic | 12 | Filling of one root canal - $112.50 | |
| Optical | 6 | $200 per policy | Single vision lenses & frames - 100% of charge Multi-focal lenses & frames - 100% of charge |
| Physiotherapy | 2 | $400 per policy (combined limit for physiotherapy, chiropractic, acupuncture, chinese medicine, dietetics/dietary advice, exercise physiology & other services) | Initial visit - $35.20 Subsequent visit - $30.00 |
| Chiropractic | 2 | Initial visit - $37.10 Subsequent visit - $25.30 | |
| Acupuncture | 2 | Initial visit - $30.40 Subsequent visit - $24.50 | |
| Remedial massage | 2 | $100 per policy | Initial visit - $35.30 Subsequent visit - $25.50 |
| Chinese medicine | 2 | Combined limit - see Physiotherapy | Initial visit - $16.00 Subsequent visit - $16.00 |
| Dietetics/dietary advice | 2 | Combined limit - see Physiotherapy | Initial visit - $45.80 Subsequent visit - $22.50 |
| Exercise physiology* | 2 | Combined limit - see Physiotherapy | Initial visit - $16.00 Subsequent visit - $10.00 |
| Blood glucose monitors | Orthodontic | Other treatments - check with your insurer |
| Hearing aids | Podiatry | |
| Non PBS pharmaceuticals | Psychology |
In South Australia this policy provides:
Emergency: Unlimited with a waiting period of 1 day.
Call-out fees: will be paid for each attendance, including emergency treatment without transport to hospital.
Cover for an ambulance when you require immediate professional attention and you need to be transported to hospital or other approved facility and your medical condition is such that you cannot be transported any other way, or where an ambulance is called but transport is not needed. Cover for air ambulance where pre-approval has been obtained from Medibank. In all cases the ambulance provider must be Medibank approved. Please contact Medibank for further details.
The information contained in this Private Health Information Statement was provided by the insurer and is intended as general information. It may not take into account your particular circumstances. For information please contact the insurer.
For information on what is covered under each category, see https://www.privatehealth.gov.au/categories
Restricted categories partially cover your hospital costs as a private patient in a public hospital. You may incur significant expenses in a private room or private hospital.
These categories are not covered by this policy.