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Hospital only Hospital cover pays for hospital treatment during illness or injury, including accommodation, surgery and other costs. Extras only Extras helps pays for non-hospital treatments that are not covered by Medicare, including optical, dental, physio and more.
Combined Hospital and extras covers both types of treatment, giving you comprehensive coverage for a huge range of medical costs. Private hospital cover offers the following benefits: Treatment as a private patient in a public or private hospital Treatment by your own doctor Little or no waiting lists Most health funds offer different levels of hospital cover: Public hospital. This covers you for most treatments, but only as a private patient in a public hospital.
You get to choose your own doctor, but you have to wait in the public queue for your treatment and you'll most likely have higher out-of-pocket expenses than you would if you were a public patient on Medicare. Basic cover also known as Basic or Bronze. This plan covers treatment in a private or public hospital, but often excludes cover for cardiac-related services, non-cosmetic plastic surgery, rehab, psychiatric services, palliative care and others.
Medium cover also known as Silver. Top cover also known as Gold. This plan generally covers every service where Medicare pays a benefit. Gold health insurance will usually include the following: Treatment as a private patient in a private hospital Emergency ambulance treatment and transport Surgical procedures such as joint reconstructions and removal of appendix, tonsils, adenoids and wisdom teeth Colonoscopies Palliative care Psychiatric treatment Approved rehabilitation programs Major heart surgery Childbirth and inpatient pregnancy services Fertility treatments such as IVF Plastic and reconstructive surgery to repair an injury or congenital defects Major eye surgery Renal dialysis treatment.
These can include: General dental care eg, cleaning, fillings and extractions Major dental care eg, orthodontics, wisdom teeth, crowns, bridges, root canal work and dentures Optical care eg, prescription glasses and contact lenses Chiropractic care Physiotherapy Osteopathy Podiatry Acupuncture Hearing aids Starting in April , insurers will no longer offer cover for certain natural therapies that the government has found to be ineffective.
Like hospital cover, extras are usually available in three levels of protection: Basic. This plan covers the main services, including dental general only , optical, physio, chiro, osteo and often emergency ambulance transport. This plan generally covers everything the basic policy covers, but with more generous benefit levels, plus some major dental, podiatry, occupational therapy and, in some cases, travel vaccines and immunisations. This plan usually covers everything the medium policy does and typically applies larger benefit levels.
It also includes orthodontics, psychology, speech pathology and some prescription medicines not covered by the PBS. Expires 2 Dec Show code. Expires 16 Nov Available for new members who join eligible hospital and extras and complete a Live Better goal or challenge. Code exclusive. Expires 30 Nov Get deal. Issued by nib health funds. Offer applies for new joins on hospital and extras by November Was this content helpful to you?
Thank you for your feedback! Richard Laycock twitter facebook linkedin. Common examples of chronic disease management include:. What is covered by private health insurance? You can purchase these policies separately, or as a 'combined' policy.
Hospital Cover With hospital cover you have the right to choose your own doctor, and decide whether you will be treated at a public or a private hospital that your doctor attends. When you are admitted to hospital, you have the following treatment options: Accommodation Type Choice of hospital Choice of doctor Public patient, public hospital No No Private patient, public hospital No Yes Private patient, private hospital Yes Yes.
For more advice about exclusions and restrictions, see the Ombudsman's factsheet. For information about other expenses you may have to pay, see Out of pocket expenses gap cover. How Health Insurance Works Your questions answered. Compare Policies Find policies that match your needs. Search this site Find out about Private Health Insurance. FAQ Frequently asked questions. Contact Us Need more information?
As well as optical network that delivers great value and lower out-of-pockets, we also offer extra flexibility through flexi-limits.
This means you can claim more of your favourite treatment. It can be claimed across the range of flexi-treatment categories, or you can choose to use it on your favourite service. So you can choose how you spend it. For information about your current product, view your product guide or in the Downloads section of Online Member Services. Defence Health. Maximum two bitewing x-rays per check-up, where clinically needed. Not available in all areas.
For a more detailed quote of what you might pay we recommend speaking to a financial advisor who will be able to take into account your income and personal situation. Leave your details and a Medibank expert will be in touch to take you through your options.
In providing your telephone number, you consent to Medibank contacting you about health insurance. If you're eligible for Medicare, the government may pay a percentage of your premium as the Australian Government Rebate AGR depending on your age and income. Your details If you would like a Medibank consultant to contact you about health insurance, please leave your details below.
To find out more about how your information is managed at Medibank please read our Privacy policy. Fill in the form below or get in touch by calling our dedicated line We are open on Sundays. Or, check out our FAQs and guides to help get you started. Complete this form to express your interest in one of our programs. If you're eligible, a member of our team will call you within business days. Sorry, only members with current Hospital cover are eligible to participate in these programs.
Eligible Medibank members with Extras cover are able to access a range of telehealth services included on their cover - you can find out more here. Alternatively, if you would like to talk to one of our team about your cover, we're here on By clicking Submit, I understand that Medibank or its subsidiaries may contact me to discuss my eligibility for the Covid Heath Assist program s , and will disclose my personal information within the Medibank Group of companies and to third party service providers.
If you are eligible, one of our health professionals will call you in business days to discuss your situation and help to enrol you in the relevant program. There is no cost to participate, however some referred services may incur an out of pocket cost. Hospital and extras cover explained A general guide to give you a rundown of how hospital and extras cover works. Get a quote. What is hospital cover? What are some the benefits of Medibank hospital cover? More information: Why Medibank?
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