(before any rebate, loading or discount)
Covers only one person
Available in NSW & ACT
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 | Eye (not cataracts) | Miscarriage and termination of pregnancy |
| Blood | Gastrointestinal endoscopy | Pain management |
| Bone, joint and muscle | Gynaecology | Pain management with device |
| Brain and nervous system | Heart and vascular system | Palliative care |
| Breast surgery (medically necessary) | Hernia and appendix | Plastic and reconstructive surgery (medically necessary) |
| Cataracts | Implantation of hearing devices | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Insulin pumps | Rehabilitation |
| Dental surgery | Joint reconstructions | Skin |
| Diabetes management (excluding insulin pumps) | Joint replacements | Sleep studies |
| Dialysis for chronic kidney failure | Kidney and bladder | Tonsils, adenoids and grommets |
| Digestive system | Lung and chest | Hospital psychiatric services |
| Ear, nose and throat | Male reproductive system |
| Assisted reproductive services | Pregnancy and birth | Weight loss surgery |
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 periods applies to surgical tooth extraction. Exercise physiology benefit is $21.50 for individual consultations and $12.00 for group consultations. | |||
|---|---|---|---|
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
| General dental* | 2 | No annual limit | Periodic oral examination - $27.60 Scale & clean - $50.00 Fluoride treatment - $16.70 Surgical tooth extraction - $125.00 |
| Major dental | 12 | $1,000 per policy (combined limit for major dental & endodontic) | Full crown veneered - $775.50 |
| Endodontic | 12 | Filling of one root canal - $123.60 | |
| Optical | 6 | $250 per policy | Single vision lenses & frames - 100% of charge Multi-focal lenses & frames - 100% of charge |
| Physiotherapy | 2 | $900 per policy (combined limit for physiotherapy, chiropractic, podiatry, orthotics (podiatric orthoses) & osteopathy) | Initial visit - $47.90 Subsequent visit - $40.00 |
| Chiropractic | 2 | Initial visit - $52.50 Subsequent visit - $36.10 | |
| Podiatry | 2 | Initial visit - $39.00 Subsequent visit - $33.30 | |
| Psychology | 0 | $800 per policy (combined limit for psychology, hearing aids, blood glucose monitors, speech therapy & other services) | Initial visit - $112.96 Subsequent visit - $93.55 |
| Acupuncture | 2 | $200 per policy (combined limit for acupuncture, chinese medicine, dietetics/dietary advice, exercise physiology & other services) | Initial visit - $33.00 Subsequent visit - $23.00 |
| Remedial massage | 2 | $200 per policy | Initial visit - $44.30 Subsequent visit - $29.90 |
| Hearing aids | 36 | Combined limit - see Psychology | Hearing aid - $800.00 |
| Blood glucose monitors | 24 | Combined limit - see Psychology | Per monitor - $800.00 |
| Chinese medicine | 2 | Combined limit - see Acupuncture | Initial visit - $21.50 Subsequent visit - $21.50 |
| Dietetics/dietary advice | 2 | Combined limit - see Acupuncture | Initial visit - $52.50 Subsequent visit - $29.00 |
| Exercise physiology* | 2 | Combined limit - see Acupuncture | Initial visit - $21.50 Subsequent visit - $12.00 |
| Orthotics (podiatric orthoses) | 2 | Combined limit - see Physiotherapy | Orthotics supply & fit - 70% of charge |
| Osteopathy | 2 | Combined limit - see Physiotherapy | Initial visit - $52.50 Subsequent visit - $36.10 |
| Speech therapy | 2 | Combined limit - see Psychology | Initial visit - $75.40 Subsequent visit - $35.00 |
| Health appliances and external prostheses 2mth waiting period, Breathing appliances 12 mth waiting period, Blood pressure monitor 24 mth waiting period, fixed benefits, sublimits and benefit replacement periods apply share combined annual limit with Psychology. –Health subscriptions, 2 mth waiting period, annual limit $100 - MembershipBonus, 6 mth waiting period, starts at $50 per single/ $100 per couple membership per year. -Counselling (no waiting period) shares an annual limit with Psychology. Please contact Medibank for more information. | |||
| Non PBS pharmaceuticals | Orthodontic | Other treatments - check with your insurer |
Wide range of extras cover for things like optical and major dental, with increasing annual limits for things like physio, chiro and podiatry. Includes an annual Membership Bonus to use towards extras and other approved services.
In NSW & ACT 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.