*Prices below are based on

This is used to calculate any Australian Government Rebate (AGR) you may be entitled to.If you’re unsure how to calculate your income, this ATO calculator can help.


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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%

from

Youth Discount applied

Youth Discount not available

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Corporate Bronze Plus Hospital Balance with Healthy Focus Extras

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The amount you can claim back at Members’ Choice providers where available, up to annual limits. Lower fixed percentage back applies at non-Members’ Choice providers, up to annual limits.

The amount you pay before Medibank contributes to your hospital costs.

Want up to 11 weeks' worth of free cover?

As an employee of a Medibank corporate partner, you can take our corporate offer and get: 6 free weeks + up to 5 extra weeks' worth of value and an ongoing corporate discount every year thereafter. Plus, we’ll waive 2&6 month waiting periods on extras. Offer ends 30 June 2025. Use promo code CORPWEEKSFREE. Eligible new members only. T&Cs apply.*

Man smiling at laptop

Your cover also includes 

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 membershipΩ

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).

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).

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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.

Nil

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.

1 day

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.

Nil

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.

2 months

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.

2 months

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.

2 months

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.

2 months

(12 months for pre-existing)

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.

2 months

(12 months for pre-existing)

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.

2 months

(12 months for pre-existing)

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.

2 months

(12 months for pre-existing)

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.

2 months

(12 months for pre-existing)

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.

2 months

(12 months for pre-existing)

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.

2 months

(12 months for pre-existing)

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.

2 months

(12 months for pre-existing)

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.

2 months

(12 months for pre-existing)

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.

2 months

(12 months for pre-existing)

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.

2 months

(12 months for pre-existing)

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.

2 months

(12 months for pre-existing)

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.

2 months

(12 months for pre-existing)

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.

2 months

(12 months for pre-existing)

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.

2 months

(12 months for pre-existing)

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.

2 months

(12 months for pre-existing)

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.

2 months

(12 months for pre-existing)

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.

2 months

(12 months for pre-existing)

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.

2 months

(12 months for pre-existing)

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.

2 months

(12 months for pre-existing)

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.

2 months

(12 months for pre-existing)

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.

2 months

(12 months for pre-existing)

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.

Nil

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.

Nil
Exclusions

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.

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 limitsλ
  • 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 applyΦ
12 months for surgical dental procedures
Inclusions Annual limits per person Icon help Waiting period Icon help
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.
No annual limit No annual limit 1 day
$400 $750 2 months Icon help
$350 $450 12 months
$180 $200 6 months
Combined limit of $300 Combined limit of $400 2 months
2 months
Combined limit of $150 Combined limit of $200 2 months
2 months
Combined limit of $100 Combined limit of $150 2 months
2 months
Nil
Combined limit of $75 Combined limit of $150 2 months
2 months
$100 $150 2 months

What are annual limits?

The maximum amount of benefits payable towards services, items or groups of services and/or items in a calendar year.

Switching health funds?

Benefits paid under your previous cover will be taken into account in determining the benefits payable under your Medibank cover.

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.

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. 

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. §

Emergency nurse call phone 24/7 icon

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. 

Book a personal consultation

Find a time and date that suits you. Book a chat with a friendly Medibank expert to learn more about your health cover options.

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.