Inclusion and Waiting Period: Refer to attached cover summary for waiting periods. Additional out of pocket expenses may apply.
Public Hospital Accident and Emergency Departments2
Accidental Injury Benefit
Hospital psychiatric services
Brain and nervous system
Eye (not cataracts)
Ear, nose and throat
Tronsils, adenoids and grommets
Bone joint and muscle
Kidney and bladder
Male reproductive system
Hernia and Appendix
Miscarriage and termination of pregnancy
Chemotherapy, radiotherapy and immunotheraphy for cancer3
Breast surgery (medically necessary)
Diabetes management (excluding insulin pumps)
Heart and vascular system
Lungs and chest
Back, neck and spine
Plastic and reconstructive surgery (medically necessary)
Podiatric surgery (provided by a registerd podiatric surgeon)5
Implantation and hearing devices
Dialysis for chronic kidney failure
Pregancy and birth
Assisted reproductive services
Weight loss surgery
Pain management with device
Out-of-Hospital Medical Services6
24/7 Medibank Nurse & Mental Health Support Line
No excess applies for a child or student dependents on a Family membership
* Inclusions, Exclusions and Waiting Periods apply to the above criteria under each Medibank OVHC and OWHC policies. Additional out of pocket expenses may apply. Please read the Medibank Member Guide for details. Pricing based on total annual premium. Minimum payment frequency is fortnightly.
Unlimited emergency ambulance services Australia-wide.
For ambulance attendance or transportation to a hospital where immediate professional attention is required and your medical condition is such that you couldn’t be transported any other way
If you need to attend a public hospital accident and
emergency department, Medibank will pay 100% of any ‘facility fee’ charged by the hospital for attending their accident and emergency department. The fee may not include all medical services provided and out-of-pocket expenses may apply such as for x-rays, blood tests and any charges raised by the doctor above the benefit we pay.
Medibank will only pay towards cancer-related surgery related to an Included service under your cover.
For Dental surgery performed by a dentist rather than a medical practitioner Medibank only pay benefits towards hospital charges. If the surgery is performed by a medical practitioner and an MBS item number is billed, Medibank will pay benefits towards the hospital and medical charges.
For Podiatric surgery Medibank only pay benefits towards hospital charges. There are no MBS items for podiatric surgery. This means Medibank also don’t pay any benefits towards the podiatric surgeon’s fees under Hospital cover and you could incur significant out-of-pocket expenses.
This cover includes benefits towards medical services provided by a doctor, that are listed in the government’s Medicare Benefits Schedule (MBS). The MBS is a list of medical services and corresponding fees. Medibank pays 100% of the MBS fee for:
general practitioner (GP) consultations
other medical services provided out-of-hospital (for example specialists, pathology and x-rays), except for Pregnancy and birth and Assisted reproductive services
in-hospital medical services provided as part of an Included service (for example surgeon and anaesthetist fees)
allied health services billed with an MBS item number (for example eye checks and services related to chronic disease and mental health management plans).
If you or any person on your membership sustains a substantial life-altering disability or a serious medical condition, as determined by Medibank, and needs to return to their home country, Medibank may arrange and pay the reasonable cost of travel with the appropriate medical supervision. In the unfortunate event of death, Medibank will pay the reasonable cost for the repatriation of mortal remains of you or anyone else on your membership to their home country. The provision of any repatriation benefit is at Medibank's discretion.