+ Covers with 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. Treatment must be sought within 7 days of the Accident. Excludes claims covered by third parties such as Workcover and our Private Room Promise. Out of pockets may apply. Refer to your Cover Summary. For Gold hospital covers, Accidental Injury Benefit is not required because all clinical categories are Included, regardless of whether or not the treatment is required as a result of an Accident.
Prices shown include a corporate discount of 6.0% for Toro Australia employees.
The amount you pay before Medibank contributes to your hospital costs.
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.
Things you should know:
Waiting periods and annual limits 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.
> Two month waiting period applies. We'll pay a benefit up to an annual limit per membership towards any admission fee ("facility fee") charged by the Private Hospital for patients attending a Private Accident and Emergency Department. The fee amount varies by Private Hospital and does not include medical and other charges (such as charges for diagnostic imaging or pathology), so out of pocket expenses may still apply. Only available at Private Hospitals with an Accident and Emergency Department. Members will need to submit a claim to receive the benefit and may have to pay upfront.
♮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 periods apply, including 12 months for some dental services. Applies to Child and Student Dependants only, up to annual limits. Members' Choice providers not available in all areas or for all services.
§ Members' Choice and Members' Choice Advantage not available in all areas or for all services.