Hospital insurance

An excess is the amount you pay before Medibank contributes to your hospital costs.
  • Rest assured you'll receive the benefits of our top level of hospital cover in the event of an Accident
  • We'll look after your emergency ambulance to hospital
Excess An excess is the amount you pay before Medibank contributes to your hospital costs.

Choosing a higher excess will lower your premium. An excess will apply to each adult member admitted to hospital per calendar year.

Hospital inclusions

To make health insurance easier to understand, we've simplified some our most commonly used jargon. Find out more here.

Services we pay benefits for Treatments & Features Waiting periods Waiting periods explained Waiting periods are a length of time you need to wait after taking out your cover before you can claim or receive benefits covered by your policy. Waiting periods apply to new members or for new services, including if you're changing to a higher level of cover. If you're switching you will not need to re-serve waiting periods if you have already served your waiting periods and you change to a comparable or lower level of cover. If you change to a higher level of cover, we will recognise any waiting periods you have already served and pay benefits at your former lower level of cover until you serve the waiting periods for your higher level of cover. If you have only partially served your waiting periods on your former level of cover, you will need to serve the balance before you can claim at your former level of cover. A 12 month waiting period applies for all pre-existing conditions. Pre-existing condition A pre-existing condition is an ailment, illness or condition where signs or symptoms existed at any time during the six months before you either took out your new cover, or transferred to a higher level of cover. A 12-month waiting period applies for all pre-existing conditions. Call 134 190 to find out more.

Ambulance services^

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.

1 day


Palliative care

Health care that offers support to people with a life-limiting illness. Its aim is to comfort and to relieve pain and distress for people who are dying. Benefits are only payable where admission to a palliative care unit in a hospital occurs.

2 months


Psychiatric treatment

The diagnosis and treatment of a wide range of mental health conditions, including addiction. For benefits to be payable, treatment needs to be provided at a Medibank-approved psychiatric facility.

2 months


Rehabilitation treatment

Therapy which assists in recovery following a major health-related event, such as a joint replacement or heart attack. Treatment needs to be provided at an approved rehabilitation facility and under an approved program.

2 months

Cover For Accidents

Covers which have services that are normally Limited or Excluded will be treated as an Included service where treatment is required for injuries sustained in an Accident that occurs after joining this cover, provided that the treatment is on the Medicare Benefits Schedule. Refer Cover Summary for full details.


Services not covered by this product:

  • Shoulder and knee reconstruction surgery & investigations
  • Appendicitis treatment
  • Appendix removal (Appendectomy)
  • Tonsils & adenoids removal
  • Surgical removal of wisdom teeth
  • Colonoscopy
  • Heart-related medical & surgical admissions
  • Obstetrics-related services (pregnancy)
  • Fertility treatment
  • Major gynaecological surgery
  • Plastic & reconstructive surgery
  • Eye Surgery (including cataracts)
  • Hip & knee joint replacement surgery
  • Other joint replacement surgery
  • Renal dialysis
  • Vascular surgery
  • Nerve treatment
  • All other in-hospital services where a Medicare benefit is payable unless they are Limited or Excluded.

Services not covered by Medicare:

  • Cosmetic treatments

Cover Summary

For further information on Accident Cover, please see the cover summary.


Cooling off period

If you're not completely happy with your cover in the first 30 days of joining, let us know and we'll transfer you to a more suitable cover or refund your premiums (as long as no claims have been made).


Benefits of being a medibank member

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Fast online claims
Wide range of extras
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