(before any rebate, loading or discount)
Covers two adults & dependants, including non-student dependants (3 or more people, only 2 of whom are adults)
Available in Western Australia
# 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 covers children, students up to and including the age of 30 and non-students up to and including the age of 30, as well as persons with a disability who qualify as a child, student or non-student in these age ranges.
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.
| Assisted reproductive services | Eye (not cataracts) | Miscarriage and termination of pregnancy |
| Back, neck and spine | Gastrointestinal endoscopy | Pain management |
| Blood | Gynaecology | Pain management with device |
| Bone, joint and muscle | Heart and vascular system | Palliative care |
| Brain and nervous system | Hernia and appendix | Plastic and reconstructive surgery (medically necessary) |
| Breast surgery (medically necessary) | Hospital psychiatric services | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Cataracts | Implantation of hearing devices | Pregnancy and birth |
| 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 | Weight loss surgery |
| Ear, nose and throat | Male reproductive system |
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: No excess
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.
Medibank's most comprehensive cover. Gap bonus to use towards out-of-pocket costs in hospital. Private Room Priority for pre-booked admissions at a Members' Choice hospital. Where a two month waiting period applies to a service on your hospital cover, it may be waived for claims resulting from an Accident that occurred during this time, please contact Medibank for further information.
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. Orthodontics has a $1500 opening balance then a top up of $500 per year up to a $3500 lifetime limit. Home nursing not available in NT or TAS. | |||
|---|---|---|---|
| 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 - $42.00 Scale & clean - $79.40 Fluoride treatment - $23.20 Surgical tooth extraction - $165.20 |
| Major dental | 12 | $1,600 per person (combined limit for major dental & endodontic) | Full crown veneered - $1,088.50 |
| Endodontic | 12 | Filling of one root canal - $196.40 | |
| Orthodontic* | 12 | $1,500 per person $3,500 lifetime limit | Braces for upper & lower teeth, including removal plus fitting of retainer - 100% of charge |
| Optical | 6 | $300 per person | Single vision lenses & frames - 100% of charge Multi-focal lenses & frames - 100% of charge |
| Non PBS pharmaceuticals | 2 | $800 per person | Per eligible prescription - $51.00 |
| Physiotherapy | 2 | $1,000 per person | Initial visit - $67.40 Subsequent visit - $58.10 |
| Chiropractic | 2 | $750 per person (combined limit for chiropractic & osteopathy) | Initial visit - $69.30 Subsequent visit - $47.80 |
| Podiatry | 2 | $600 per person (combined limit for podiatry & orthotics (podiatric orthoses)) | Initial visit - $64.40 Subsequent visit - $48.30 |
| Psychology | 0 | $600 per person | Initial visit - $161.40 Subsequent visit - $140.35 |
| Acupuncture | 2 | $500 per person (combined limit for acupuncture, remedial massage, chinese medicine & exercise physiology) | Initial visit - $63.40 Subsequent visit - $51.80 |
| Remedial massage | 2 | Initial visit - $68.80 Subsequent visit - $46.40 | |
| Hearing aids | 36 | $1,600 per person 1 appliance(s) every 5 years | Hearing aid - 100% of charge |
| Blood glucose monitors | 24 | $300 per person 1 appliance(s) every 3 years (combined limit for blood glucose monitors & other services) | Per monitor - 100% of charge |
| Chinese medicine | 2 | Combined limit - see Acupuncture | Initial visit - $32.50 Subsequent visit - $32.50 |
| Dietetics/dietary advice | 2 | $600 per person | Initial visit - $73.50 Subsequent visit - $40.60 |
| Exercise physiology | 2 | Combined limit - see Acupuncture | Initial visit - $32.50 Subsequent visit - $32.50 |
| Eye therapy (orthoptics) | 2 | $600 per person | Initial visit - $60.00 Subsequent visit - $50.00 |
| Home nursing* | 2 | $500 per person | Initial visit - 100% of charge Subsequent visit - 100% of charge |
| Occupational therapy | 2 | $600 per person | Initial visit - $75.00 Subsequent visit - $42.20 |
| Orthotics (podiatric orthoses) | 2 | Combined limit - see Podiatry | Orthotics supply & fit - 100% of charge |
| Osteopathy | 2 | Combined limit - see Chiropractic | Initial visit - $69.30 Subsequent visit - $47.80 |
| Speech therapy | 2 | $600 per person | Initial visit - $121.00 Subsequent visit - $57.50 |
| - Health appliance and external prostheses, (contact Medibank for further information) $600 per annum, 2 mth waiting period, fixed amount back per item up to annual limit. - Laser Eye Surgery (where no Medicare benefit is payable) $3,500 per lifetime limit, 36 mth waiting period, 100% back up to lifetime imit. - Blood pressure monitor (24 mth waiting period) and Breathing appliances (12 mth waiting period) included with Blood glucose monitors. - Health subscriptions (refer to Medibank for approved organisations) $100 per annum, 2 mth waiting period, 100% per subscription up to annual limit. - Health screening tests (where no Medicare benefit is payable) $200 per annum, 2 mth waiting period, 100% per test up to annual limit. Refer to Medibank for approved screening tests. - Private hospital accident and emergency facility fees, $250 per annum, 2 mth waiting period, 100% back up to annual limit. - Teeth whitening (must be provided by recognised dentist), $250 per annum, 2 mth waiting period, fixed amount payable. - Counselling (no waiting period) shares an annual limit with Psychology. Please contact Medibank for more information. | |||
| Other treatments - check with your insurer |
Comprehensive hospital and extras cover in one convenient package. Widest range of extras services including laser eye surgery, teeth whitening and much more. Our highest annual limits. Easy online and electronic claiming.
In Western Australia 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.