(before any rebate or insurer discount)
Covers two adults & dependants (3 or more people, only 2 of whom are adults)
Available in NSW & ACT
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include an insurer discount. Check with your insurer for details.
This policy covers children and other dependants up to and including the age of 20, students up to and including the age of 30, as well as persons with a disability who qualify as a child or other dependant or student in these age ranges.
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 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 person (combined limit for major dental & endodontic) | Full crown veneered - $775.50 |
| Endodontic | 12 | Filling of one root canal - $123.60 | |
| Orthodontic* | 12 | $800 per person $2,400 lifetime limit | Braces for upper & lower teeth, including removal plus fitting of retainer - 100% of charge |
| Optical | 6 | $225 per person | Single vision lenses & frames - 100% of charge Multi-focal lenses & frames - 100% of charge |
| Non PBS pharmaceuticals | 2 | $400 per person | Per eligible prescription - $31.00 |
| Physiotherapy | 2 | $600 per person | Initial visit - $47.90 Subsequent visit - $40.00 |
| Chiropractic | 2 | $400 per person (combined limit for chiropractic & osteopathy) | Initial visit - $52.50 Subsequent visit - $36.10 |
| Podiatry | 2 | $400 per person (combined limit for podiatry & orthotics (podiatric orthoses)) | Initial visit - $39.00 Subsequent visit - $33.30 |
| Psychology | 0 | $400 per person | Initial visit - $112.96 Subsequent visit - $93.55 |
| Acupuncture | 2 | $300 per person (combined limit for acupuncture, remedial massage, chinese medicine & exercise physiology) | Initial visit - $33.00 Subsequent visit - $23.00 |
| Remedial massage | 2 | Initial visit - $44.30 Subsequent visit - $29.90 | |
| Hearing aids | 36 | $800 per person 1 appliance(s) every 5 years | Hearing aid - 100% of charge |
| Blood glucose monitors | 24 | $200 per person 1 appliance(s) every 3 years | Per monitor - 100% of charge |
| Chinese medicine | 2 | Combined limit - see Acupuncture | Initial visit - $21.50 Subsequent visit - $21.50 |
| Dietetics/dietary advice | 2 | $400 per person | Initial visit - $52.50 Subsequent visit - $29.00 |
| Exercise physiology* | 2 | Combined limit - see Acupuncture | Initial visit - $21.50 Subsequent visit - $12.00 |
| Eye therapy (orthoptics) | 2 | $400 per person | Initial visit - $45.00 Subsequent visit - $35.00 |
| Occupational therapy | 2 | $400 per person | Initial visit - $59.80 Subsequent visit - $35.50 |
| Orthotics (podiatric orthoses) | 2 | Combined limit - see Podiatry | Orthotics supply & fit - 75% of charge |
| Osteopathy | 2 | Combined limit - see Chiropractic | Initial visit - $52.50 Subsequent visit - $36.10 |
| Speech therapy | 2 | $400 per person | Initial visit - $75.40 Subsequent visit - $35.00 |
| Health appliances and external prostheses 2 mth waiting period. Fixed benefits and various benefits replacement periods apply. $400 annual limit. Breathing appliances (12mth waiting period) and Blood pressure monitors (24mth waiting period) 1 appliance every 36 months, shared annual limit with Blood glucose monitors. Counselling (no waiting period) shares an annual limit with Psychology. Please contact Medibank for more information. | |||
| Other treatments - check with your insurer |
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.