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Corporate Bronze Plus Hospital Balance with Healthy Focus Extras

Hospital cover for a spectrum of common hospital services from gynaecology, lung & chest to chemotherapy, radiotherapy and immunotherapy for cancer treatment combined with Extras for the health-conscious seeking a cover that pays towards the more common services. Prices shown include your corporate discount of 6.0%

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Corporate Bronze Plus Hospital Balance with Healthy Focus Extras

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Your cover also includes

Accident Cover Boost⁺

Get an accident cover boost with our Accidental Injury Benefit. Our Hospital covers pay towards treatment if you’re injured in an Accident, regardless of your level of cover. That means, services which are normally Restricted or Excluded will be treated as an Included service where treatment is required for injuries sustained in an Accident.⁺

Private Room Promise^∑∑

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

100% Back on Dental Check-Ups, Whenever You Need It^λ

Dental care but make it simple. Get 100% back on clinically necessary dental check-ups at Members' Choice Advantage dentists, without worrying about annual and visit limits. Available on eligible Corporate Extras products.^λ

Corporate Health Assist

Not sure what Medibank health service you need? Our Corporate Health Assist line can guide Corporate Health Cover members towards eligible health programs or services that may be appropriate for you. Call 1800 228 103 between Mon - Fri 9AM – 5PM AEST.

Hospital cover

Includes a wide range of common hospital services
Benefits towards sleep studies and CPAP machines to support sleep apnoea^£
Includes a spectrum of hospital services from gynaecology, lung & chest to chemotherapy, radiotherapy and immunotherapy for cancer treatment
Rest assured you'll receive the benefits of our gold level of Hospital cover in the event of an Accident⁺
This cover can also support you with Unlimited Emergency Ambulance^, and no hospital excess for kids on a family membership^Ω

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).
No Excess for kids on a family membership^Ω 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
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
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
Rehabilitation 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 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
Hospital psychiatric services 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 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
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)
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. 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. 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)
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)
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)
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)
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)
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. If there isn’t a private room available when you're admitted to Members’ Choice hospital for a service included on your cover, you may be entitled to receive $50 a night, for up to five nights per stay. Conditions apply. Waiting period Nil	Nil
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 may pay benefits towards costs associated with the travel and accommodation. Refer to your Cover Summary for full details. Waiting period Nil	Nil

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.
Back, neck and spine 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.
Cataracts
Dialysis for chronic kidney failure
Heart and vascular system 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.
Implantation of hearing devices
Insulin pumps
Joint replacements 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).
Pain management with device 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.
Plastic and reconstructive surgery (medically necessary) 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.
Podiatric surgery (provided by a registered podiatric surgeon) 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 medical device as listed in the Prescribed List set out in the Private Health Insurance (Medical Device and Human Tissue Products) 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.
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.
Weight loss surgery

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
Theatre fees
The minimum benefit for medical devices and human tissue products as set out in the government's Prescribed List of Medical Devices and Human Tissue Products

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

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
Medical devices and human tissue products in excess of approved benefits in the Government’s Prescribed List
Cosmetic treatments
Certain other items (e.g. streaming services and parking), depending on the hospital you're admitted to. The hospital should discuss any charges with you.

Before your hospital admission

It's a good idea to call us on 132 331 so we can take you through what we will pay benefits for, and let you know of any potential out-of-pockets you might expect for your procedure.

Extras cover

Look after your day-to-day health & wellbeing with general dental, optical, physio and more
You choose the cover to suit your budget and lifestyle. Depending on your choice of cover, Medibank will pay either 60% or 75% back at Members' Choice providers (where available), up to annual limits
100% back on clinically necessary dental check-ups, at any Members’ Choice Advantage dentist, without worrying about annual or visit limits^λ
100% back on selected health screenings up to annual limits, when appropriate and where no Medicare benefit is payable. Out-of-pockets expenses may still apply^Φ

Inclusions	Annual limits per person		Waiting period
Claim back percentages are for Members' Choice providers where available. For Non Members' Choice providers, it's 45% for Healthy Focus Extras 60 and 60% for Healthy Focus Extras 75.	60%	75%
Claim back percentages are for Members' Choice providers where available. For Non Members' Choice providers, it's 45% for Healthy Focus Extras 60 and 60% for Healthy Focus Extras 75.
Ambulance services^ For ambulance attendance or transportation to a hospital where immediate professional attention is required and your medical condition is such that you couldn't be transported any other way. Annual limits per person : No annual limit No annual limit Waiting period : 1 day	No annual limit	No annual limit	1 day
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 : $400 $750 Waiting period : 2 months	$400	$750	2 months
Major dental#~ Includes services such as root canal, periodontics, crowns, dentures, bridges and veneers. Annual limits per person : $350 $450 Waiting period : 12 months	$350	$450	12 months
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 : $180 $200 Waiting period : 6 months	$180	$200	6 months
Physiotherapy# Includes one-on-one and group consultations, clinical pilates, antenatal and hydrotherapy sessions. Annual limits per person : Combined limit of $300 Combined limit of $400 Waiting period : 2 months	Combined limit of $300	Combined limit of $400	2 months
Chiropractic# & Osteopathy Benefits paid towards consultations with a chiropractor or osteopath. Annual limits per person : Included With Physiotherapy# Included With Physiotherapy# Waiting period : 2 months	Combined limit of $300	Combined limit of $400	2 months
Remedial massage# Benefits paid towards remedial massage treatments. Annual limits per person : Combined limit of $150 Combined limit of $200 Waiting period : 2 months	Combined limit of $150	Combined limit of $200	2 months
Natural therapies Consultations for Acupuncture#, Chinese medicine and Exercise Physiology Annual limits per person : Included With Remedial massage# Included With Remedial massage# Waiting period : 2 months	Combined limit of $150	Combined limit of $200	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. Maximum benefit per allergen extract and other prescription item applies. Annual limits per person : Combined limit of $100 Combined limit of $150 Waiting period : 2 months	Combined limit of $100	Combined limit of $150	2 months
Flu vaccinations^^ 100% back on annual flu vaccinations up to the annual limit Annual limits per person : Included With Prescription pharmaceuticals (non-PBS) Included With Prescription pharmaceuticals (non-PBS) 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 Prescription pharmaceuticals (non-PBS) Included With Prescription pharmaceuticals (non-PBS) Waiting period : Nil			Nil
Health support benefits ¥ Health support benefits are for certain services recommended by a health practitioner intended to manage an existing health condition. Medibank approved Health support benefits include quit smoking programs, nicotine replacement therapy, exercise classes, gym memberships, personal trainers and weight management programs. Annual limits per person : Combined limit of $75 Combined limit of $150 Waiting period : 2 months	Combined limit of $75	Combined limit of $150	2 months
Health subscriptions Benefits towards membership of health bodies including Arthritis Australia, Coeliac Australia, Diabetes Australia and others. Annual limits per person : Included With Health support benefits ¥ Included With Health support benefits ¥ Waiting period : 2 months	Combined limit of $75	Combined limit of $150	2 months
Health screening tests^Φ This includes mole mapping, bone density test, retinal scan, bowel cancer screening kit and MRI, where no Medicare benefit is payable. Annual limits per person : $100 $150 Waiting period : 2 months	$100	$150	2 months

Extras costs explained

Extras cover gives you money back for everyday health services like dental, physio, optical and more. The amount you can claim back depends on the level of cover you have (including any waiting periods and annual and lifetime limits). Generally, the higher the level of cover, the higher your annual limit. Which may mean more money back in your pocket.

Benefits of Medibank Corporate Extras

100% back on clinically necessary dental check-ups, at any Members’ Choice Advantage dentist, without worrying about annual or visit limits.^λ
100% back on selected health screenings up to annual limits, when appropriate, where no Medibank benefit is payable.^Φ
100% back on most optical items at all recognised providers up to annual limits.^±
Our Members’ Choice network generally offer capped fees or discounts to help reduce out-of-pocket expenses across dental, optical, physiotherapy and more. With over 3,600 provider locations, our Members' Choice extras network is one of the largest in Australia.^§

Using a Members' Choice provider

With a Members' Choice provider, you'll receive a higher fixed percentage back up to your annual limits.

Members' Choice providers are not available for all services and not in all areas.

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, we'll pay a lower fixed percentage back for each included service or item, up to your annual limits.

Supporting documents

Member Guide (PDF - 384 KB)

Medibank Corporate Bronze Plus Hospital Balance Summary (PDF - 125 KB)

Medibank Corporate Healthy Focus Extras 60 Summary (PDF - 128 KB)

Medibank Corporate Healthy Focus Extras 75 Summary (PDF - 128 KB)

Why choose Medibank?

30 day cooling off period

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

You could earn up to $700 worth of rewards

On top of being able to earn up to $400 worth of value, as a Medibank member with Live Better rewards* on an eligible corporate cover^⊗ you could earn an extra $300 worth of value with Live Better rewards when you complete the Weekly Goal Streaks.^∨ That’s up to $700 worth of value!

One of the largest health provider networks in Australia

Our Members’ Choice network generally offer capped fees or discounts to help reduce out-of-pocket expenses across dental, optical, physiotherapy and more. With over 3,600 provider practices, our Members' Choice extras network is one of the largest in Australia. ^§

24/7 Medibank Nurse & Mental Health Support

Medibank health insurance members can speak to a registered nurse or mental health professional over the phone or online in relation to a general health or emotional concern at no extra cost^¥¥. Chat online or call 1800 644 325 at any time of the day or night, 7 days a week.

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Things you should know:

^£ 12 month waiting period applies for sleep studies. 12 month waiting period applies for CPAP type devices. Eligibility requires overnight investigation for sleep apnoea (sleep study) for which Medicare benefit is payable and the device is purchase or hired within the 12 months following the sleep study. A maximum benefit of $500 is payable within a 5-year rolling period.

⁺ For Accidents that occur in Australia after your cover starts. Must seek medical treatment within 7 days, and receive hospital treatment within 12 months of the Accident occurring. Excludes Private Emergency Department Benefit, hospital bonus, claims covered by third parties and our Private Room Promise. Out-of-pocket costs may apply.

^♮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.

^Ω Other out–of–pocket expenses may apply.

^ Waiting periods apply. For ambulance attendance or transportation to a hospital where immediate medical attention is required, and your condition is such that you couldn't be transported any other way. TAS and QLD have State schemes that provide ambulance services for residents of those States.

^λ Two month waiting period applies. No annual and visit limits apply for clinically necessary dental examinations, scaling, cleaning and fluoride treatments provided by Members' Choice Advantage dentists.Maximum two bitewing x-rays per check-up, up to four per year, where clinically needed. Members’ Choice Advantage dentists not available in all areas. Different benefits and annual limits apply to other dental services included on your cover and for dental check-ups received at dentists that are not Members' Choice Advantage dentists, refer to your cover summary for details.

^Φ Benefits payable for health screening test only, excludes GP and specialist consultation fees. Services must be performed by a Medicare registered provider who is appropriate for the service and a benefit is only payable by Medibank where there are no Medicare benefits payable for those services. 2 month waiting period applies.

* Must be 16 years or over to register for Medibank Live Better rewards. Some program partners and earning activities require a person to be at least 18 years of age to be eligible to earn and/or redeem a reward. Must be a Medibank member with hospital cover, extras cover, or hospital and extras cover, be up-to-date with premium payments and have signed up to Medibank Live Better rewards in the My Medibank app to earn Live Better points for eligible purchases and redeem rewards. Excludes Overseas Student Health Cover (OSHC), Ambulance only cover, ahm covers and other selected covers. Live Better Management Pty Ltd, ACN 003 457 289 has entered into commercial arrangements with Medibank Live Better program partners and may receive commissions. Additional terms and conditions may apply to points earning activities and rewards. Points earning activities and rewards are subject to change and may be subject to availability. Wherever possible, we will give you notice of these changes. See full Medibank Live Better rewards terms.

^⊗Medibank members who hold corporate cover who do not also hold Healthy Living Extras cover (Eligible Members) can participate in the Weekly Goal Streaks.

^∨ Weekly Goal Streak: Eligible Member must track and complete 10 consecutive Weekly Goal’s to complete the Weekly Goal Streak activity and earn 6,000 Live Better rewards points. Eligible Member can complete up to 5 Weekly Goal Streak activities in a year. Live Better rewards points will appear in Eligible Member’s Live Better rewards account within 30 days of completion of the Weekly Goal Streak. Live Better rewards reserves the right to cease to make the Weekly Goal Steaks available at any time. To the extent of any inconsistency between this disclaimer and the Medibank Live Better terms and conditions, the terms and conditions will take precedence.

Medibank Live Better rewards Challenges & Goals Earning Policy: The participant of a Medibank Live Better rewards Challenge or Goal may not receive Live Better rewards points or may have their already credited Live Better rewards points reversed in accordance with the Medibank Live Better rewards terms and conditions. To earn Live Better rewards points, the participant needs to properly complete 100% of the eligible Challenge or Goal according to the instructions. The number of Live Better rewards points available for Medibank Live Better rewards Challenges and Goals is subject to change without prior notice. The maximum number of Live Better rewards points that each Medibank Live Better rewards member can earn from successfully completing health and wellbeing Challenges, Goals or any Onboarding action in a calendar year is 40,000 Live Better rewards points. Special offers may apply to increase this maximum from time to time, such as for eligible Medibank members on an eligible corporate cover who complete the Weekly Goal Streaks to earn up to an additional 30,000 Live Better rewards points. To the extent of any inconsistency between this Policy and the Medibank Live Better rewards terms and conditions, the terms and conditions will take precedence.

^§ Members' Choice and Members' Choice Advantage not available in all areas or for all services.

^¥¥ Some referred services may involve out of pocket costs and waiting periods may apply.

^# 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.

^{^^} Benefits are payable towards the influenza vaccine only and not payable towards any other fees, including administrative fees or GP consultations. Some individuals may be eligible for free influenza vaccines under a Commonwealth or State scheme, such as the National Immunisation Program, or similar schemes. Benefits are not payable where influenza vaccines are administered under such a scheme.

^∑∑ 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.

^¥ Annual limit and 2 month waiting period applies. A health support benefit approval form must be submitted prior to receiving any eligible benefits (excluding nicotine replacement therapy).

^± Excludes Healthy Living Extras and select products that are no longer available for sale (for more information check your cover summary or check this page). Applies to prescription glasses and select contact lenses. Some glasses lens coatings and contact lenses are excluded. To find which specific items are included or excluded, call us on 132 331. 6 month waiting period applies.

^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.

* For new members on new memberships who join and start eligible combined Corporate Medibank Hospital (Bronze Plus, Silver Plus & Gold Hospital) and Corporate Extras (excluding Healthy Living Extras) from 7 May to 30 June 2025 and who have not held Medibank health cover in previous 60 days (unless they are a dependant coming off their parent’s cover). Must quote promo code ‘CORPWEEKSFREE’ when joining and set up and maintain direct debit. Excludes Corporate Basic tier cover, resident consumer Hospital and Extras cover, Accident Cover, Ambulance Cover, Overseas Visitors Health Insurance, Overseas Students Health Cover (OSHC), Working Visa Health Insurance, ahm covers, Medibank Healthy Living Extras, and other selected covers. Not available with any other offer. Medibank may end this offer or amend these offer terms and conditions at any time without notice.

Corporate discount terms: Must be eligible to receive a Corporate health insurance discount as an eligible employee of a Medibank corporate partner.

6 weeks free terms: Must set up direct debit when joining and hold eligible cover for 42 consecutive days from the policy start date to get the next 6 weeks free. The next 6 weeks free will be applied at the next billing cycle after you have held eligible cover for 42 consecutive days. The 6 weeks free will not be issued if you change to an ineligible cover, terminate your cover or suspend your cover during this period.

5 weeks free corporate discount terms: if applicable, additional weeks free will be applied at the billing cycle after you have held eligible cover in the 11th month of the first year, and will be based on the value of your existing corporate discount such that you will receive a discount to the value of 5 weeks free over the first full year you hold the policy. Depending on the value of their existing corporate discount, some members may not receive additional weeks free value in the first year.

2&6 month waits waived on extras terms: When quoting promo code ‘CORPWEEKSFREE‘ when joining and setting up and maintaining direct debit, 2&6 month waiting periods on extras waived. Other waiting periods apply (including 12 months on some dental services). If you're switching from another fund and you’ve used any of your current limits (at that fund), that will count towards your annual limits with us. If you've reached your limits at your previous fund you may not be able to claim straight away on extras.

*Prices below are based on

Corporate Bronze Plus Hospital Balance with Healthy Focus Extras

Corporate Bronze Plus Hospital Balance with Healthy Focus Extras

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Hospital cover

Hospital costs explained

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