(before any rebate, loading or discount)
Covers 2 adults (and no-one else)
Available in Western 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.
| Back, neck and spine | Gastrointestinal endoscopy | Pain management with device |
| Blood | Gynaecology | Palliative care |
| Bone, joint and muscle | Hernia and appendix | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Brain and nervous system | Implantation of hearing devices | Skin |
| Breast surgery (medically necessary) | Insulin pumps | Sleep studies |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Joint reconstructions | Tonsils, adenoids and grommets |
| Dental surgery | Kidney and bladder | Weight loss surgery |
| Diabetes management (excluding insulin pumps) | Lung and chest | Hospital psychiatric services |
| Digestive system | Male reproductive system | Rehabilitation |
| Ear, nose and throat | Miscarriage and termination of pregnancy | |
| Eye (not cataracts) | Pain management |
| Assisted reproductive services | Heart and vascular system | Pregnancy and birth |
| Cataracts | Joint replacements | |
| Dialysis for chronic kidney failure | Plastic and reconstructive surgery (medically necessary) |
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 $500 per admission. This is limited to a maximum of $500 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 dental extractions. | |||
|---|---|---|---|
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
| General dental* | 2 | $500 per person (combined limit for general dental & endodontic - Sub-limits apply) | Periodic oral examination - $22.80 Scale & clean - $35.60 Fluoride treatment - $15.50 Surgical tooth extraction - $69.10 |
| Endodontic | 12 | Filling of one root canal - $72.00 | |
| Optical | 6 | $200 per person (Sub-limits apply) | Single vision lenses & frames - $129.00 Multi-focal lenses & frames - $189.00 |
| Non PBS pharmaceuticals | 2 | $300 per person | Per eligible prescription - $30.60 |
| Physiotherapy | 2 | $300 per person | Initial visit - $32.90 Subsequent visit - $21.70 |
| PackageBonus, 6 mth waiting period, starts at $50 for singles and $100 for a couple or family membership per year. For further information contact Medibank and refer to your cover summary. | |||
| Acupuncture | Major dental | Remedial massage |
| Blood glucose monitors | Orthodontic | Other treatments - check with your insurer |
| Chiropractic | Podiatry | |
| Hearing aids | Psychology |
Hospital and extras package. Rewards you with a PackageBonus to use towards approved health and membership expenses. Access to betterhealth Programs to help keep you healthy. A 12 mth waiting period applies to surgical tooth extraction.
In Western 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.