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Corporate Basic Plus Health Cover

Cover for a broad range of services including Weight Loss Surgery and Heart & Vascular admissions

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Hospital excess

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Corporate Basic Plus Health Cover

Hospital excess

Join now

Hospital excess

Hospital cover

A broad range of hospital services such as Heart and vascular system admissions and Weight Loss Surgery.

Our Private Room Promise.**
Emergency Ambulance Australia-wide.^
Accidental Injury Benefit.⁺
No hospital excess for kids on a family membership.⁺⁺
Benefits for home nursingᵟ and health screening services.ᶲ

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).
Private Room Promise 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. For requests at a Members' Choice hospital at least 24 hours in advance. Based on availability. Conditions apply, refer to your Cover Summary for full details. Waiting period Nil**	Nil
Accidental Injury Benefit⁺ 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. Restricted or Excluded services will be treated as Included services where treatment is required for injuries sustained in an Accident that occurs after joining this cover. Refer to your Cover Summary for full details. Waiting period Nil	Nil
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. 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 1 day	1 day
Rural and regional transport and accommodation support 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 your round trip for a hospital admission is more than 200km we will pay benefits towards costs associated with the travel and accommodation. Refer to your Cover Summary for full details. 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 2 months (12 months for pre-existing)	2 months (12 months for pre-existing)
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 2 months (12 months for pre-existing)	2 months (12 months for pre-existing)
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 2 months (12 months for pre-existing)	2 months (12 months for pre-existing)
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. Your hospital cover does not include non-PBS drugs. We will only pay towards cancer-related surgery where that surgery is an Included or Restricted Service under your cover. Waiting period 2 months (12 months for pre-existing)	2 months (12 months for pre-existing)
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 2 months (12 months for pre-existing)	2 months (12 months for pre-existing)
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 2 months (12 months for pre-existing)	2 months (12 months for pre-existing)
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 2 months (12 months for pre-existing)	2 months (12 months for pre-existing)
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 2 months (12 months for pre-existing)	2 months (12 months for pre-existing)
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 2 months (12 months for pre-existing)	2 months (12 months for pre-existing)
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 2 months (12 months for pre-existing)	2 months (12 months for pre-existing)
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 2 months (12 months for pre-existing)	2 months (12 months for pre-existing)
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 2 months (12 months for pre-existing)	2 months (12 months for pre-existing)
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 2 months (12 months for pre-existing)	2 months (12 months for pre-existing)
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 2 months (12 months for pre-existing)	2 months (12 months for pre-existing)
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 2 months (12 months for pre-existing)	2 months (12 months for pre-existing)
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 2 months (12 months for pre-existing)	2 months (12 months for pre-existing)
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 2 months (12 months for pre-existing)	2 months (12 months for pre-existing)
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 2 months (12 months for pre-existing)	2 months (12 months for pre-existing)
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 2 months (12 months for pre-existing)	2 months (12 months for pre-existing)
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. Note: Insurers are not required to pay for any other benefits for hospital treatment for this clinical category but may choose to do so. For Podiatric surgery we only pay benefits towards hospital charges. There are no Medicare benefits payable 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 2 months (12 months for pre-existing)	2 months (12 months for pre-existing)
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 2 months (12 months for pre-existing)	2 months (12 months for pre-existing)
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 2 months (12 months for pre-existing)	2 months (12 months for pre-existing)
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 Medicare benefits are payable, we will pay benefits towards the hospital and medical charges. Waiting period 2 months (12 months for pre-existing)	2 months (12 months for pre-existing)
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 2 months (12 months for pre-existing)	2 months (12 months for pre-existing)
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 2 months (12 months for pre-existing)	2 months (12 months for pre-existing)
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 2 months (12 months for pre-existing)	2 months (12 months for pre-existing)
Cataracts Restricted Service 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 2 months (12 months for pre-existing)	2 months (12 months for pre-existing)
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 2 months (12 months for pre-existing)	2 months (12 months for pre-existing)
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 2 months (12 months for pre-existing)	2 months (12 months for pre-existing)
Dialysis for chronic kidney failure Restricted Service 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 2 months (12 months for pre-existing)	2 months (12 months for pre-existing)
Joint replacements Restricted Service 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 2 months (12 months for pre-existing)	2 months (12 months for pre-existing)
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 2 months (12 months for pre-existing)	2 months (12 months for pre-existing)
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 2 months (12 months for pre-existing)	2 months (12 months for pre-existing)

Exclusions
Assisted reproductive services 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.
Pregnancy and birth 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.

Exclusions

Assisted reproductive services

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.

Pregnancy and birth

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.

_{Please note: Medibank does not pay any benefits towards the cost of cosmetic surgery/procedures e.g. surgery that isn’t clinically necessary and for 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.

Supporting documents

Member Guide (PDF - 526 KB)

Medibank Corporate Basic Plus Health Cover Summary (PDF - 83 KB)

Awarded Outstanding Value Health Insurance 16 years running

We’re proud to deliver outstanding value health insurance products designed to suit your needs. But don’t just take our word for it.

Why choose Medibank?

Private Room Promise

Be cared for in a private room at a Members’ Choice hospital or receive a benefit of $50 per night, for up to 5 nights per stay. Conditions apply.**

Accidental Injury Benefit

Any Excluded or Restricted service will be treated as if it is an Included Service, where you require hospital treatment as a result of injuries sustained in an Accident. Conditions apply#

Unlimited Emergency Ambulance Australia-wide

Have peace in mind in knowing that all of our hospital policies include Unlimited Emergency Ambulance.^

Request a call back

Leave your details and a Medibank expert will be in touch to take you through your options. In providing your telephone number, you consent to Medibank contacting you about health insurance.

Request a call back

^** You'll need to request a private room from the Members’ Choice hospital at least 24 hours prior to your stay, provide supporting documentation to Medibank from the hospital about this request and be eligible to receive benefits for the treatment you received during your stay. Does not apply for same-day admissions or admissions for sleep studies, or where your doctor specifically requests a shared room for clinical reasons.

^{^} Tasmania and Queensland have state schemes that cover ambulance services for residents of those States.

⁺ Restricted or Excluded services will be treated as Included services where treatment is required for injuries sustained in an Accident that occurs after joining this cover. Excludes claims covered by third parties such as Workcover. Out-of-pocket expenses may apply. Refer to your Cover Summary

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

^ᵟHome 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.

^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.