Corporate health cover.
Cover for wherever life takes you.
No one understands your needs better than you do. That’s why we’ve teamed up with your company to create a range of flexible Hospital and Extras covers that make it easier to choose cover suitable for your age, circumstances or priorities in life.
What’s Hospital cover?
If you’re ever admittted to hospital for an illness or injury as a private patient, Hospital cover can help with the costs. It pays towards doctors’ fees for in-hospital admitted services, same-day and overnight hospital accommodation, and eligible ambulance services. The amount you can claim back depends on your level of cover and any excess you need to pay. To learn more, see the Hospital cover table or see our Member Guide at medibank.com.au
What’s Extras cover?
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 limits). Generally, the higher the level of cover, the higher your annual limit, and the higher percentage you can claim back.
Accidents happen.
Life can be unpredictable, which is why our Hospital covers pay towards treatment if you’re injured in an Accident, regardless of your level of hospital cover.#
Unlimited emergency ambulance. If the unexpected happens, you can rest assured knowing that whatever cover you’re on, it offers unlimited emergency ambulance, Australia-wide.^
Private room promise.
Be cared for in a private room at a Members’ Choice hospital or receive $50 per night, for up to 5 nights per stay. Conditions apply.
Members’ Choice providers.
We have arrangements with most private hospitals, day surgeries and many extras providers in Australia, so you generally get better value at these providers than if you visit a non-Members’ Choice provider. Learn more in our Member Guide at medibank.com.au
100% back on up to two dental check-ups every year.
With Extras cover you get 100% back on up to two dental check-ups every year, including x-rays, at any Members’ Choice Advantage dentist.+ That’s on top of your annual limit.
Annual limits, combined limits and lifetime limits.
Most services listed in your Extras cover have an annual limit; this is the maximum amount we pay towards that service or item per member (or in some cases per membership) per calendar year. Annual limits reset every year on 1 January. A combined limit is an annual limit that applies to a group of services or items. Lifetime limits on the other hand, apply once in your lifetime (per member) and don’t reset once used up. For annual and lifetime limits, refer to the Extras cover table.
Waiting periods.
Waiting periods may apply to hospital and extras services and items when you join us, or change your cover to include new or upgraded services or items. We don’t pay towards any services or items you receive while you’re serving a waiting period.
Waiting periods are 1 day for ambulance services, 2 months for hospital services, and 12 months for pregnancy and birth services and pre-existing conditions. The pre-existing condition waiting period is not applicable for hospital psychiatric services, rehabilitation and palliative care. See the Member Guide at medibank.com.au for detailed rules and policies.
# Excludes claims covered by third parties such as Workcover. For accidents that occur after join date. Please see Accidental Injury Benefit in the Hospital cover table for more information. ^ For emergency ambulance attendance or transportation. TAS and QLD have state schemes to cover ambulance for residents of those states. See the Hospital cover table for more information. ~ You’ll need to request a private room from the Member’s Choice hospital at least 24 hours prior to your stay; provide supporting documentation to Medibank from the hospital about this request; you must 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. + Limited to two dental check-ups on all extras annually. Maximum two bitewing x-rays per check-up, where clinically needed. Not available in all areas. A two month waiting period applies.
Why choose Medibank?
Helping you live better.
Medibank cares about the health and wellbeing for all Australians. That’s why we created Live Better to support you towards a healthier, happier life, with tools to help you eat, move, and feel better.
Get inspired . Visit Live Better online for your guide to a healthier and happier you, with health and wellbeing inspiration and advice online, or subscribe to have it delivered straight to your inbox.
Get involved. We want Australians to get moving! Using Live Better activities you can join hundreds of regular free, fun, social activities across Australia.
Get rewarded. Eligible Medibank members with Hospital or Extras cover can earn points towards rewards with the Medibank Live Better App, like savings on their health cover or great rewards from our partners, simply by looking after their health and wellbeing.
Find out more and get involved at medibank.com.au/livebetter
Understanding your cover.
The more you understand your health cover, the more you’ll get out of it. So to help you out, we have a range of material available for you to access at your convenience from medibank.com.au which includes:
Member Guide. Our Member Guide gives you a detailed rundown of how your membership works, and a summary of our Fund Rules.
Cover Summary. Your Cover Summary will outline the services and items included in the cover you have chosen. There is a Cover Summary for every policy we offer.
Glossary of terms. Head to medibank.com.au/glossary for a full list of useful terms and explanations.
Find out more.
If you’d like to talk to someone about cover that may be right for you, call us on 131 680, or learn more at medibank.com.au
Medibank Live Better terms and conditions: Must be 18 years or over and have a valid Australian residential address to register for Medibank Live Better. 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 with My Medibank or have linked their MyMedibank account with their Live Better account to redeem rewards. Excludes Overseas Student Health Cover (OSHC), Ambulance only cover, ahm covers and other selected covers. Additional terms and conditions may apply to the redemption of a reward depending on the type of reward chosen. See full Medibank Live Better terms at medibank.com.au/livebetter/rewards/terms
Your Corporate Hospital cover.
We pay benefits for c but not for b.
‘Restricted’ means we pay minimum benefits (see below for more details on this and waiting periods).
Excess The amount you have to pay towards your hospital admission (same-day or overnight). It applies per person per calendar year, except for children on your membership.
Ambulance services Attendance or transportation to a hospital where immediate professional attention is required and your medical condition is such that you could not be transported any other way. TAS and QLD have State schemes to cover ambulance services for residents of those States.
Accidental Injury Benefit Restricted and Excluded services will be treated as an Included service where treatment is required for injuries sustained in an Accident after joining. Refer to Cover Summary for full details.
Private room promise Be cared for in a private room or receive $50 per night (up to a maximum of 5 nights) when a private room was requested at least 24 hours prior to admission and was not available during the overnight hospital stay. This benefit applies to admissions to Members’ Choice Hospitals only. Subject to eligibility criteria.
Youth Discount This discount is available for members aged between 18 and 29. Dependent on your age when you first take out an eligible Hospital cover, the discount ranges from 10% (if you take out cover before the age of 25) to 2% (if you take out cover at the age of 29). The discount is ongoing, which means if you keep your eligible Hospital cover, your discount remains until you turn 41. Learn more at medibank.com.au/youthdiscount
Travel and accommodation Travel and accommodation benefits for people in regional and rural areas who need to travel more than 200km return for hospital treatment.
Ear, nose and throat
Tonsils, adenoids and grommets
Bone, joint and muscle
Joint reconstructions
Kidney and bladder
Male reproductive system
Digestive system
Hernia and appendix
Gastrointestinal endoscopy
Gynaecology
Miscarriage and termination of pregnancy
Chemotherapy, radiotherapy and immunotherapy for cancer*
Pain management
Skin
Breast surgery (medically necessary)
Diabetes management (excluding insulin pumps)
Heart and vascular system
Lung and chest
Blood
Back, neck and spine
Plastic and reconstructive surgery (medically necessary)
Dental surgery^
Podiatric surgery (provided by a registered podiatric surgeon) +
Implantation of hearing devices
Cataracts
Joint replacements
Dialysis for chronic kidney failure
Pregnancy and birth
Assisted reproductive services
Weight loss surgery
Insulin pumps
Pain management with device
Sleep studies
Why pay for Extras you don’t use?
Flexible Extras.
With Flexi Extras you get a combined annual limit to spend how you want at any recognised provider, plus a separate limit for optical.*
Claim almost anywhere.
You’ll have the freedom and flexibility to choose your preferred service provider, knowing exactly what percentage of their charge you will receive back each time (as long as they’re recognised by us), up to your annual limit and subject to any waiting periods.
Amount you can claim back on Included services
annual limit on Included services
annual limit (claim 100% back up to your annual limit at recognised providers)
The difference between Flexi 80 and Flexi 80 MC.
Flexi 80 gives you 80% back on Included services at any recognised provider whereas Flexi 80 MC gives you 80% back on Included services only at Members’ Choice providers #, and a Fixed Amount at non-Members’ Choice providers.
Your Corporate Extras cover.
The $ figure is the maximum amount we will pay for each service(s) per calendar year and will generally apply per member unless otherwise shown. The b means we don’t pay benefits towards that service. The means that Members’ Choice providers are available for that service.
General dental Every member gets 100% back on up to two check-ups each year at a Members’ Choice Advantage dentist (includes bitewing x-rays where required). And this doesn’t count towards annual limits.‡
Dental examinations Scale and clean
Surgical dental procedures such as wisdom tooth extraction (excluding hospital charges)
Physiotherapy Includes consultations, clinical pilates and hydrotherapy sessions
Chiropractic Consultations
Osteopathy Consultations
Remedial massage Consultations
Acupuncture Consultations
Exercise physiology Consultations
Chinese medicine Consultations
Dietetics Consultations
Includes endodontics (root canal), periodontics (treatment of gum disease), crowns, dentures and bridges, major restorative services (veneers), and oral appliances for sleep apnoea
Health
For
health bodies and associations. Ask for details
Now for the really good bit. Mix and match different Hospital and Extras covers to create the right package for you.
Option 1
Select your Hospital cover.
Corporate
Corporate
Corporate
Corporate
Corporate
Corporate
Corporate
Corporate
Select your Extras cover.
Option 2
Select your Hospital cover.
Corporate
Corporate
Corporate
Corporate
Corporate
Corporate
Corporate
Corporate
Select your Extras cover.
Total price for selected package. Total price for selected package.
$ $ / /
Name: Phone: Your Medibank Contact. *Not available with any Extras cover.
Why choose Medibank Corporate health cover?
Your company has partnered with Medibank to provide you with a great discount on health insurance that’s designed to meet your needs. And because you’re busy, we’ve made it simple.
Bigger really is better.
We are a leading health insurance provider and have been providing Australians with health cover since 1975. The bigger we are, the better we can negotiate great deals for our members.
Get a discount.
We’ve partnered with your employer to offer an exclusive discount for you, so you can enjoy better health at the right price.
Mix ‘n’ match.
We let you mix and match different Corporate Hospital and Flexi Extras covers to suit your needs. Want to take out the highest level of Hospital cover and the most basic Extras cover? Be our guest.
Private room promise.
Be cared for in a private room at a Members’ Choice hospital or receive $50 per night, for up to five nights per stay. Conditions apply.^
Claim almost anywhere.
With Flexi Extras, you can claim back on included extras, at any recognised provider you like.~
Use your extras how you want.
With Flexi Extras you get a combined extras limit to spend how you want at any recognised service provider, plus a separate limit for optical.*
100% back on optical items.
Not all insurers pay 100% back on optical items, which means you have to pull out your credit card and cover the difference. Medibank Corporate Health Cover will reimburse you for 100% of the cost of your optical items up to annual limits at recognised providers.*
^ You’ll need to request a private room from the Member’s Choice hospital at least 24 hours prior to your stay; provide supporting documentation to Medibank from the hospital about this request; you must 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.
~ Up to annual limits. Waiting periods apply.
* Some lens coatings excluded, waiting periods apply.
The Private Health Insurance Code of Conduct logo is a trademark of, and is used under authorisation from, Australian Health Insurance Association Limited. Medibank Private is a signatory to the Private Health Insurance Code of Conduct.
This information is current as at December 2022 and subject to change from time to time. Membership of Medibank Private is subject to our Fund Rules and policies which we can change from time to time and are summarised in our Member Guide. The covers described in this brochure are generally not suitable for visitors from overseas, including visitors from countries with which the Australian Government has Reciprocal Health Care Arrangements. Please refer to our brochures for international students and visitors, for health cover that may be more appropriate. Medibank Private Limited ABN 47 080 890 259.
