Corporate Overseas Workers Health Cover Advantage and Better Health 90

Providing comprehensive Hospital cover, including Pregnancy and birth. Peace of mind for overseas workers, knowing you can claim up to 100% back on eligible medical costs.^

from

Hospital excess

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90%

Cover type

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Corporate Overseas Workers Health Cover Advantage and Better Health 90

Hospital excess

Claim back Extras claim back

90%

Join now

Hospital excess

Claim back Extras claim back

90%

Hospital cover

Emergency Ambulance Australia-wide.
No hospital excess for kids on a family membership.⁺⁺
Health screeningᶲ and home nursing.ᵟ
Benefits up to 100% of the provider's charge for eligible medical services listed in the Medicare Benefit Schedule (MBS).^

Inclusions	Waiting period What is a waiting period? The time you need to wait before you can receive benefits for services or items listed in your cover. When do they apply? To new members, or when switching to a higher level of cover. Switching funds? If you're switching from another health fund, on similar cover, we'll recognise waiting periods already served. What is a pre-existing condition? An ailment, illness or condition that, in the opinion of a Medical Practitioner appointed by Medibank, the 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 (12 month waiting period applies).
Ambulance services We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. 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. Waiting period Nil	Nil
Public hospital accident and emergency departments We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. If you need to attend a Public hospital accident and emergency department, we’ll pay 100% of any ‘facility fee’ charged by the hospital for attending their accident and emergency department. Waiting period Nil**	Nil
No Excess for kids on a family membership We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. No matter what hospital excess you pay, the excess will not apply if kids on your membership are admitted to hospital. Waiting period Nil	Nil
Hospital psychiatric services We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for the treatment and care of patients with psychiatric, mental, addiction or behavioural disorders. For example: psychoses such as schizophrenia, mood disorders such as depression, eating disorders and addiction therapy. Waiting period 2 months	2 months
Palliative care We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain. Waiting period 2 months	2 months
Rehabilitation We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for physical rehabilitation for a patient related to surgery or illness. For example: inpatient and admitted day patient rehabilitation, stroke recovery, cardiac rehabilitation. Waiting period 2 months	2 months
Bone, joint and muscle We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system. For example: carpal tunnel, fractures, hand surgery, joint fusion, bone spurs, osteomyelitis and bone cancer. Chest surgery is listed separately under Lung and chest. Spinal cord conditions are listed separately under Brain and nervous system. Spinal column conditions are listed separately under Back, neck and spine. Joint reconstructions are listed separately under Joint reconstructions. Joint replacements are listed separately under Joint replacements. Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon). Management of back pain is listed separately under Pain management. Pain management that requires a device is listed separately under Pain management with device. Waiting period Nil (12 months for pre-existing conditions)	Nil (12 months for pre-existing conditions)
Brain and nervous system We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for the investigation and treatment of the brain, brain-related conditions, spinal cord and peripheral nervous system. For example: stroke, brain or spinal cord tumours, head injuries, epilepsy and Parkinson’s disease. Treatment of spinal column (back bone) conditions is listed separately under Back, neck and spine. Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer. Waiting period Nil (12 months for pre-existing conditions)	Nil (12 months for pre-existing conditions)
Breast surgery (medically necessary) We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for the investigation and treatment of breast disorders and associated lymph nodes, and reconstruction and/or reduction following breast surgery or a preventative mastectomy. For example: breast lesions, breast tumours, asymmetry due to breast cancer surgery, and gynecomastia. This clinical category does not require benefits to be paid for cosmetic breast surgery that is not medically necessary. Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer. Waiting period Nil (12 months for pre-existing conditions)	Nil (12 months for pre-existing conditions)
Chemotherapy, radiotherapy and immunotherapy for cancer We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for chemotherapy, radiotherapy and immunotherapy for the treatment of cancer or benign tumours. Surgical treatment of cancer is listed separately under each body system. We will only pay towards cancer-related surgery related to an Included service under your cover. Waiting period Nil (12 months for pre-existing conditions)	Nil (12 months for pre-existing conditions)
Diabetes management (excluding insulin pumps) We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for the investigation and management of diabetes. For example: stabilisation of hypo- or hyper- glycaemia, contour problems due to insulin injections. Treatment for diabetes-related conditions is listed separately under each body system affected. For example, treatment for diabetes-related eye conditions is listed separately under Eye. Treatment for ulcers is listed separately under Skin. Provision and replacement of insulin pumps is listed separately under Insulin pumps. Waiting period Nil (12 months for pre-existing conditions)	Nil (12 months for pre-existing conditions)
Digestive system We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for the investigation and treatment of the digestive system, including the oesophagus, stomach, gall bladder, pancreas, spleen, liver and bowel. For example: oesophageal cancer, irritable bowel syndrome, gall stones and haemorrhoids. Endoscopy is listed separately under Gastrointestinal endoscopy. Hernia and appendicectomy procedures are listed separately under Hernia and appendix. Bariatric surgery is listed separately under Weight loss surgery. Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer. Waiting period Nil (12 months for pre-existing conditions)	Nil (12 months for pre-existing conditions)
Ear, nose and throat We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for the investigation and treatment of the ear, nose, throat, middle ear, thyroid, parathyroid, larynx, lymph nodes and related areas of the head and neck. For example: damaged ear drum, sinus surgery, removal of foreign bodies, stapedectomy and throat cancer. Tonsils, adenoids and grommets are listed separately under Tonsils, adenoids and grommets. The implantation of a hearing device is listed separately under Implantation of hearing devices. Orthopaedic neck conditions are listed separately under Back, neck and spine. Sleep studies are listed separately under Sleep studies. Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer. Waiting period Nil (12 months for pre-existing conditions)	Nil (12 months for pre-existing conditions)
Eye (not cataracts) We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for the investigation and treatment of the eye and the contents of the eye socket. For example: retinal detachment, tear duct conditions, eye infections and medically managed trauma to the eye. Cataract procedures are listed separately under Cataracts. Eyelid procedures are listed separately under Plastic and reconstructive surgery. Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer. Waiting period Nil (12 months for pre-existing conditions)	Nil (12 months for pre-existing conditions)
Gastrointestinal endoscopy We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope. For example: colonoscopy, gastroscopy, endoscopic retrograde cholangiopancreatography (ERCP). Non-endoscopic procedures for the digestive system are listed separately under Digestive system. Waiting period Nil (12 months for pre-existing conditions)	Nil (12 months for pre-existing conditions)
Gynaecology We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for the investigation and treatment of the female reproductive system. For example: endometriosis, polycystic ovaries, female sterilisation and cervical cancer. Fertility treatments are listed separately under Assisted reproductive services. Pregnancy and birth-related conditions are listed separately under Pregnancy and birth. Miscarriage or termination of pregnancy is listed separately under Miscarriage and termination of pregnancy. Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer. Waiting period Nil (12 months for pre-existing conditions)	Nil (12 months for pre-existing conditions)
Hernia and appendix We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for the investigation and treatment of a hernia or appendicitis. Digestive conditions are listed separately under Digestive system. Waiting period Nil (12 months for pre-existing conditions)	Nil (12 months for pre-existing conditions)
Joint reconstructions We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for surgery for joint reconstructions. For example: torn tendons, rotator cuff tears and damaged ligaments. Joint replacements are listed separately under Joint replacements. Bone fractures are listed separately under Bone, joint and muscle. Procedures to the spinal column are listed separately under Back, neck and spine. Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon). Waiting period Nil (12 months for pre-existing conditions)	Nil (12 months for pre-existing conditions)
Kidney and bladder We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for the investigation and treatment of the kidney, adrenal gland and bladder. For example: kidney stones, adrenal gland tumour and incontinence. Dialysis is listed separately under Dialysis for chronic kidney failure. Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer. Waiting period Nil (12 months for pre-existing conditions)	Nil (12 months for pre-existing conditions)
Male reproductive system We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for the investigation and treatment of the male reproductive system including the prostate. For example: male sterilisation, circumcision and prostate cancer. Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer. Waiting period Nil (12 months for pre-existing conditions)	Nil (12 months for pre-existing conditions)
Miscarriage and termination of pregnancy We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for the investigation and treatment of a miscarriage or for termination of pregnancy. Waiting period Nil (12 months for pre-existing conditions)	Nil (12 months for pre-existing conditions)
Pain management We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for pain management that does not require the insertion or surgical management of a device. For example: treatment of nerve pain and chest pain due to cancer by injection of a nerve block. Pain management using a device (for example an infusion pump or neurostimulator) is listed separately under Pain management with device. Waiting period Nil (12 months for pre-existing conditions)	Nil (12 months for pre-existing conditions)
Skin We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for the investigation and treatment of skin, skin-related conditions and nails. The removal of foreign bodies is also included. Plastic surgery that is medically necessary and relating to the treatment of a skin-related condition is also included. For example: melanoma, minor wound repair and abscesses. Removal of excess skin due to weight loss is listed separately under Weight loss surgery. Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer. Waiting period Nil (12 months for pre-existing conditions)	Nil (12 months for pre-existing conditions)
Tonsils, adenoids and grommets We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment of the tonsils, adenoids and insertion or removal of grommets. Waiting period Nil (12 months for pre-existing conditions)	Nil (12 months for pre-existing conditions)
Lung and chest We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for the investigation and treatment of the lungs, lung-related conditions, mediastinum and chest. For example: lung cancer, respiratory disorders such as asthma, pneumonia, and treatment of trauma to the chest. Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer. Waiting period Nil (12 months for pre-existing conditions)	Nil (12 months for pre-existing conditions)
Podiatric surgery (provided by a registered podiatric surgeon) We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon, but limited to benefits towards: • accommodation; and • the cost of a prosthesis as listed in the prostheses list set out in the Private Health Insurance (Prostheses) Rules, as in force from time to time. For Podiatric surgery we only pay benefits towards hospital charges. There are no MBS items for podiatric surgery. This means we also don’t pay any benefits towards the podiatric surgeon’s fees under Hospital cover and you could incur significant out-of-pocket expenses. Waiting period Nil (12 months for pre-existing conditions)	Nil (12 months for pre-existing conditions)
Back, neck and spine We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for the investigation and treatment of the back, neck and spinal column, including spinal fusion. For example: sciatica, prolapsed or herniated disc, and spine curvature disorders such as scoliosis, kyphosis and lordosis. Joint fusions are listed separately under Bone, joint and muscle. Spinal cord conditions are listed separately under Brain and nervous system. Management of back pain is listed separately under Pain management. Pain management that requires a device is listed separately under Pain management with device. Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer. Waiting period Nil (12 months for pre-existing conditions)	Nil (12 months for pre-existing conditions)
Blood We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for the investigation and treatment of blood and blood-related conditions. For example: blood clotting disorders and bone marrow transplants. Treatment for cancers of the blood is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer. Waiting period Nil (12 months for pre-existing conditions)	Nil (12 months for pre-existing conditions)
Dental surgery We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for surgery to the teeth and gums. For example: surgery to remove wisdom teeth and dental implant surgery. For Dental surgery performed by a dentist rather than a medical practitioner we only pay benefits towards hospital charges. If the surgery is performed by a medical practitioner and an MBS item number is billed, we will pay benefits towards the hospital and medical charges. Waiting period Nil (12 months for pre-existing conditions)	Nil (12 months for pre-existing conditions)
Heart and vascular system We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for the investigation and treatment of the heart, heart-related conditions and vascular system. For example: heart failure and heart attack, monitoring of heart conditions, varicose veins and removal of plaque from arterial walls. Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer. Waiting period Nil (12 months for pre-existing conditions)	Nil (12 months for pre-existing conditions)
Implantation of hearing devices We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device. Stapedectomy is listed separately under Ear, nose and throat. Waiting period Nil (12 months for pre-existing conditions)	Nil (12 months for pre-existing conditions)
Plastic and reconstructive surgery (medically necessary) We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity, whether acquired as a result of illness or accident, or congenital. For example: burns requiring a graft, cleft palate, club foot and angioma. Plastic surgery that is medically necessary relating to the treatment of a skin-related condition is listed separately under Skin. Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer. Waiting period Nil (12 months for pre-existing conditions)	Nil (12 months for pre-existing conditions)
Assisted reproductive services We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for fertility treatments or procedures. For example: retrieval of eggs or sperm, In vitro Fertilisation (IVF), and Gamete Intra-fallopian Transfer (GIFT). Treatment of the female reproductive system is listed separately under Gynaecology. Pregnancy and birth-related services are listed separately under Pregnancy and birth. Waiting period Nil (12 months for pre-existing conditions)	Nil (12 months for pre-existing conditions)
Cataracts We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for surgery to remove a cataract and replace with an artificial lens. Waiting period Nil (12 months for pre-existing conditions)	Nil (12 months for pre-existing conditions)
Pain management with device We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for the implantation, replacement or other surgical management of a device required for the treatment of pain. For example: treatment of nerve pain, back pain, and pain caused by coronary heart disease with a device (for example an infusion pump or neurostimulator). Treatment of pain that does not require a device is listed separately under Pain management. Waiting period Nil (12 months for pre-existing conditions)	Nil (12 months for pre-existing conditions)
Insulin pumps We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for the provision and replacement of insulin pumps for treatment of diabetes. Waiting period Nil (12 months for pre-existing conditions)	Nil (12 months for pre-existing conditions)
Dialysis for chronic kidney failure We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for dialysis treatment for chronic kidney failure. For example: peritoneal dialysis and haemodialysis. Waiting period Nil (12 months for pre-existing conditions)	Nil (12 months for pre-existing conditions)
Joint replacements We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses. For example: replacement of shoulder, wrist, finger, hip, knee, ankle, or toe joint. Joint fusions are listed separately under Bone, joint and muscle. Spinal fusions are listed separately under Back, neck and spine. Joint reconstructions are listed separately under Joint reconstructions. Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon). Waiting period Nil (12 months for pre-existing conditions)	Nil (12 months for pre-existing conditions)
Pregnancy and birth We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for investigation and treatment of conditions associated with pregnancy and child birth. Treatment for the baby is included under the clinical category relevant to their condition. Female reproductive conditions are listed separately under Gynaecology. Fertility treatments are listed separately under Assisted reproductive services. Miscarriage and termination of pregnancy is listed separately under Miscarriage and termination of pregnancy. Waiting period 12 months	12 months
Sleep studies We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for the investigation of sleep patterns and anomalies. For example: sleep apnoea and snoring. Waiting period Nil (12 months for pre-existing conditions)	Nil (12 months for pre-existing conditions)
Weight loss surgery We pay limited benefits for Restricted Services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted Services in a Public hospital we will pay minimum shared room benefits. Hospital treatment for surgery that is designed to reduce a person’s weight, remove excess skin due to weight loss and reversal of a bariatric procedure. For example: gastric banding, gastric bypass, sleeve gastrectomy. Waiting period Nil (12 months for pre-existing conditions)	Nil (12 months for pre-existing conditions)

_{Please note: Medibank does not pay any benefits towards the cost of cosmetic surgery/procedures e.g. surgery that isn’t clinically necessary and which an MBS item is not billable.}

Hospital costs explained

Hospital cover helps with the cost of treatments you receive in hospital as a private patient. Of course, everyone is different, and so our hospital covers come in all shapes and sizes to suit different priorities and stages in life.

What we'll pay towards

For services included under each of our Hospital covers, we’ll pay benefits towards:

Eligible ambulance services
In-hospital medical services
Overnight accommodation in a private hospital, or a shared room in a public hospital as a private patient
Same-day admission
Intensive care
The minimum benefit for surgically implanted prostheses included on the Australian Government Prostheses List

Depending on your cover you may need to pay an excess or co-payment before we will pay any benefits towards your hospital admission.

What we won't pay towards

Services not included in your cover or for which you are serving waiting periods
Some high-cost medications
Services not covered by Medicare
Prostheses in excess of approved benefits in the Government’s Prostheses List
Cosmetic treatments

Before your hospital admission

It's a good idea to call us on 1300 763 422 so we can take you through what we will pay benefits for, and let you know of any potential out-of-pockets for your procedure.

Extras cover

$1,900 annual limit to use on General dental, Major dental and Orthodontics.
$300 to use on optical every year (with 100% back at any recognised provider up to your limit¹).
$700 annual limit on Physiotherapy and a separate $700 limit to use on Chiropractic, Osteopathy and Podiatry every year.
90% back on any Included extras up to annual limits.
Claim at ANY recognised extras provider, anywhere in Australia.

Inclusions	Annual limits per person	Waiting period
Claim back percentage:	90%
Claim back percentage:
Optical^# 100% back on eligible items up to annual limits at all recognised providers. Includes prescription glasses and contact lenses. Some items, such as lens coatings, are excluded. Annual limits per person : $300 Waiting period : 6 months	$300	6 months
General dental^# Includes examinations, preventative treatment, scale and clean, extractions, fillings, x-rays, and surgery to remove wisdom teeth (excludes hospital charges). Annual limits per person : $1,900 Waiting period : 2 months	$1,900	2 months
Major dental^#~ Includes services such as root canal, periodontics, crowns, dentures, bridges and veneers. Annual limits per person : Included With General dental^# Waiting period : 12 months		12 months
Orthodontics Procedures to help with the correction & alignment of the teeth and jaw. We pay benefits towards braces. Annual limits per person : Included With General dental^# Waiting period : 12 months		12 months
Physiotherapy^# Includes one-on-one and group consultations, clinical pilates, antenatal and hydrotherapy sessions. Annual limits per person : $700 Waiting period : 2 months	$700	2 months
Chiropractic^# & Osteopathy Benefits paid towards consultations with a chiropractor or osteopath. Annual limits per person : $700 Waiting period : 2 months	$700	2 months
Podiatry^# Diagnosis, treatment and prevention of conditions affecting the toe, foot and ankle to help with good foot hygiene and posture. We pay benefits towards consultations and approved orthotics.^~ Annual limits per person : Included With Chiropractic^# & Osteopathy Waiting period : 2 months	$700	2 months
Remedial massage^# Benefits paid towards remedial massage treatments. Annual limits per person : $400 Waiting period : 2 months	$400	2 months
Natural therapies Consultations for Acupuncture^#, Chinese medicine and Exercise Physiology. Annual limits per person : $1,000 Waiting period : 2 months	$1,000	2 months
Dietetics Dietetics involves using nutritional principles to promote good health through proper eating and development of modified diets. We pay benefits towards consultations with a recognised dietitian. Annual limits per person : Included With Natural therapies Waiting period : 2 months		2 months
Antenatal/Postnatal services^~ Includes consultations and birthing courses with a midwife, and lactation consultations with a midwife or a lactation consultant registered with Lactation Consultants of Australia and New Zealand (LCANZ). Providers must be working in private practice. Annual limits per person : Included With Natural therapies Waiting period : 2 months		2 months
Mental health support ^ΦΦ Consultations with a recognised psychologist, counsellor or mental health social worker only. Includes benefits towards pharmacogenetic testing for all conditions. Annual limits per person : Included With Natural therapies Waiting period : Nil		Nil
Speech therapy Benefits paid towards consultations with a recognised speech therapist. Annual limits per person : Included With Natural therapies Waiting period : 2 months		2 months
Occupational therapy Occupational therapy helps with the development or recovery of core physical, mental and developmental abilities. Benefits are paid towards consultations with a recognised occupational therapist. Annual limits per person : Included With Natural therapies Waiting period : 2 months		2 months
Prescription pharmaceuticals (non-PBS) Includes most prescription-only items not subsidised by the Government. Benefits will be paid after a set charge has been deducted. It's important to note that we don't pay benefits for oral contraceptives or for pharmaceuticals prescribed for cosmetic purposes. Annual limits per person : Included With Natural therapies Waiting period : 2 months		2 months
Blood glucose monitors & blood pressure monitors^~ Purchase of devices only. Annual limits per person : $600 Waiting period : 24 months	$600	24 months
Health appliances & external prostheses^~ Includes insulin delivery pens, pressure therapy garments, braces, splints, orthoses, post-mastectomy brassieres and external mammary prostheses/breast forms. Annual limits per person : Included With Blood glucose monitors & blood pressure monitors^~ Waiting period : 2 months		2 months
Eye therapy Study and treatment of vision problems due to defects in the eye muscles (such as a squint or a lazy eye) or harmful visual habits. Used to treat eye strain, vision-induced headaches, cross-eyes or double vision. Therapy involves eye exercises and treatment to correct the alignment of the eyes. Benefits are paid towards consultations with a recognised orthoptist (eye therapist). Annual limits per person : Included With Blood glucose monitors & blood pressure monitors^~ Waiting period : 2 months		2 months
Breathing appliances^~ Peak flow meters, nebulisers and spacing devices only. Annual limits per person : Included With Blood glucose monitors & blood pressure monitors^~ Waiting period : 12 months		12 months
Hearing aids^~ Benefits paid towards the cost of a hearing aid. Annual limits per person : Included With Blood glucose monitors & blood pressure monitors^~ Waiting period : 36 months		36 months

Extras costs explained

Extras cover gives you money back for non-hospital services such as dental, physio, optical and more. The amount of money you can claim back depends on the level of cover you have. Generally speaking, the higher the level of cover, the higher your annual limit and higher the percentage you can claim back. Which means more money back in your pocket.

Using a non-Members' Choice provider?

If your extras provider isn't part of our Members' Choice network don't worry. As long as they're a Medibank recognised provider, you can still claim a set percentage back on included extras up to your cover limits.

Using a Members' Choice provider?

Claim a set percentage back on included services at any recognised provider, up to your annual limits.

Benefits of Medibank Corporate Extras

Use your extras how you want

Use your extras limit at any recognised provider, plus get a separate limit for optical (some lens coatings excluded, waiting periods apply).

Claim almost anywhere

Claim a set percentage back on Included services at any recognised provider nationwide, (up to annual limits and subject to any waiting periods).

100% back on Optical items

We'll reimburse you for 100% of the cost of your optical items at recognised providers, up to your annual limit (some lens coatings excluded, waiting periods apply).

100% on up to two dental check ups

100% back on up to two dental check-ups every year, including bitewing x-rays, at any Members’ Choice Advantage dentist. That’s on top of your annual limit, so you can get your check-up no matter how much dental you’ve already claimed. Two month waiting period applies. Limited to two dental check-ups on all extras annually. Maximum two bitewing x-rays per check-up, where clinically needed. Not available in all areas.

Supporting documents

The following supporting documents relate to the Overseas Visitors Hospital cover and the Resident Extras cover.

Overseas Visitors Cover Member Guide (PDF - 355 KB)

Resident Cover Member Guide (PDF - 384 KB)

Medibank Corporate Overseas Workers Health Cover Advantage Summary (PDF - 91 KB)

Medibank Better Health 90 Extras Summary (PDF - 129 KB)

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++ Other out-of-pocket expenses may apply.

ᶲ Benefits for Health screening tests are payable towards health screening services approved by Medibank for the detection of an illness or condition and performed by a Medicare registered provider, and where no Medicare benefits are payable for that service. Conditions apply, refer to your Cover Summary for details.

ᵟ Home nursing benefits are payable toward the cost of private nursing services which do not involve a hospital intervention, and must be provided by a registered home nursing provider. Medibank currently has no Recognised Home Nursing providers in NT and TAS. Conditions apply, refer to your Cover Summary for details.

^ Eligible medical services include: general practitioner (GP) consultations, other medical services provided out-of-hospital (for example specialists, pathology and x-rays), in-hospital medical services provided as part of an Included service (for example surgeon and anaesthetist fees), and allied health services billed with an MBS item number (for example eye checks and services related to chronic disease and mental health management plans).

** 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 has Members' Choice providers for these services. Not available in all areas.

~ Some items and services may require a Referral Letter and may have a benefit replacement period. Please see the Cover Summary or Member Guide for more information.

^ΦΦ Counsellors must be registered with Australian Counselling Association, Psychotherapy and Counselling Federation of Australia, Australian Traditional Medicine Society. Mental Health Social Workers must hold a mental health accreditation by the Australian Association of Social Workers. Medibank will pay benefits towards pharmacogenetic tests for all conditions. Benefits will only be paid towards pharmacogenetic tests administered in-person, or for approved home kits where supporting documentation from a medical practitioner outlining the clinical purpose is supplied.

1 Waiting periods apply. Some lens coatings excluded.