healthslips.com.au Policy Information

Medibank Private Limited

Gold Advantage

$1072.10 / month

(Before Rebate, Discount & Loading)

Available in QLD

You may be entitled to an Australian Government Rebate on the above premium. Your premium may also include a Lifetime Health Cover Loading, an Age-based Discount or an insurer discount. Check with your insurer for details.

This policy covers: Two adults & dependants, including non-student dependants (3 or more people, only 2 of whom are adults).

Children (0 - 17), non-classified* dependant (18 - 20), students (21 - 30) and non-students (21 to 30), as well as persons with a disability who qualify as a child, non-classified* dependant, student and non-student in these age ranges. *Non-classified dependant: Medibank considers a child dependant to be aged up to 21.

Policy ID: MBP/J1A/QJUO2Y

Source: Private Health Information Statement (PHIS)

Hospital Cover

  • This policy exempts you from the Medicare Levy Surcharge.
  • This policy provides accident cover - check with insurer for details.
  • This policy provides benefits for travel or accommodation outside of hospital - check with insurer for details.
Covered
Restricted Cover
Not Covered
This policy includes cover for
Assisted reproductive services
Back, neck and spine
Blood
Bone, joint and muscle
Brain and nervous system
Breast surgery (medically necessary)
Cataracts
Chemotherapy, radiotherapy and immunotherapy for cancer
Dental surgery
Diabetes management (excluding insulin pumps)
Dialysis for chronic kidney failure
Digestive system
Ear, nose and throat
Eye (not cataracts)
Gastrointestinal endoscopy
Gynaecology
Heart and vascular system
Hernia and appendix
Hospital psychiatric services
Implantation of hearing devices
Insulin pumps
Joint reconstructions
Joint replacements
Kidney and bladder
Lung and chest
Male reproductive system
Miscarriage and termination of pregnancy
Pain management
Pain management with device
Palliative care
Plastic and reconstructive surgery (medically necessary)
Podiatric surgery (provided by a registered podiatric surgeon)
Pregnancy and birth
Rehabilitation
Skin
Sleep studies
Tonsils, adenoids and grommets
Weight loss surgery

The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.

Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket costs that may apply to you.

The following payments may also apply for hospital admissions

Excess: You will have to pay an excess of $200 per admission. This is limited to a maximum of $750 per person per year.

Excess payments do not apply to hospital admissions for dependants.

Co-payments: No co-payments

The following waiting periods for hospital admissions apply to new or upgrading members

Waiting periods:

  • 2 months for palliative care, rehabilitation and hospital psychiatric treatments, even if pre-existing
  • 12 months for other pre-existing conditions
  • 12 months for pregnancy and birth (obstetrics)
  • 2 months for all other treatments

Gap Cover

This provider offers 'known gap' or 'no gap' cover for medical bills for this product. The Medical Costs Finder (https://www.health.gov.au/resources/apps-and-tools/medical-costs-finder) lets you find out more about the cost of specialist medical services.

Other features of this hospital cover

One of Medibank Privates most comprehensive covers. No restricted services. No excess for Children.

Extras Cover

At Members' Choice extras providers you may get more for your cover. This includes 100% back on a dental check up, scale and clean each year and great optical deals. See https://www.medibank.com.au/health-insurance/find-provider/#/.

This policy includes General treatment (Extras) cover for

Treatment & waiting period (months)
Benefit limits per 12 months unless otherwise stated
Examples of maximum benefits
Acupuncture 2

$400 per person

combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, osteopathy & remedial massage

sub-limits apply

  • Initial visit: $30.2
  • Subsequent visit: $18.9
Blood glucose monitors 24

$1,000 per person

combined limit for blood glucose monitors & hearing aids

sub-limits apply

  • Per monitor: $150
Chinese medicine 2

$400 per person

combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, osteopathy & remedial massage

sub-limits apply

  • Initial visit: $20
  • Subsequent visit: $20
Chiropractic 2

$400 per person

combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, osteopathy & remedial massage

sub-limits apply

  • Initial visit: $33.5
  • Subsequent visit: $19.4
Dietetics/dietary advice 2

$400 per person

combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry, speech therapy & other services

sub-limits apply

  • Initial visit: $37.8
  • Subsequent visit: $19.4
Endodontic 12

$400 per person

  • Filling of one root canal: $67.2
Exercise physiology* 2

$400 per person

combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, osteopathy & remedial massage

sub-limits apply

  • Initial visit: $20
  • Subsequent visit: $12
Eye therapy (orthoptics) 2

$400 per person

combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry, speech therapy & other services

sub-limits apply

  • Initial visit: $27
  • Subsequent visit: $20.4
General dental* 2

No annual limit

sub-limits apply

  • Fluoride treatment: $19
  • Scale & clean: $49.4
  • Surgical tooth extraction: $74
  • Periodic oral examination: $29.9
Hearing aids 36

$1,000 per person

combined limit for blood glucose monitors & hearing aids

sub-limits apply

  • Hearing aid: $600
Major dental 12

$2,000 per person

combined limit for major dental & orthodontic

sub-limits apply

  • Full crown veneered: $570
Non PBS pharmaceuticals 2

$600 per person

  • Per eligible prescription: $36.7
Occupational therapy 2

$400 per person

combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry, speech therapy & other services

sub-limits apply

  • Initial visit: $36.5
  • Subsequent visit: $22.7
Optical 6

$250 per person

sub-limits apply

  • Multi-focal lenses & frames: $180
  • Single vision lenses & frames: $120
Orthodontic 12

$2,000 per person

combined limit for major dental & orthodontic

  • Braces for upper & lower teeth, including removal plus fitting of retainer: $400
Orthotics (podiatric orthoses) 2

$400 per person

combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry, speech therapy & other services

sub-limits apply

  • Orthotics supply & fit: 60% of charge
Osteopathy 2

$400 per person

combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, osteopathy & remedial massage

sub-limits apply

  • Initial visit: $33.5
  • Subsequent visit: $19.4
Physiotherapy 2

$700 per person

  • Initial visit: $35.9
  • Subsequent visit: $23
Podiatry 2

$400 per person

combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry, speech therapy & other services

sub-limits apply

  • Initial visit: $27.2
  • Subsequent visit: $19.5
Psychology 2

$400 per person

  • Initial visit: $107.78
  • Subsequent visit: $89.26
Remedial massage 2

$400 per person

combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, osteopathy & remedial massage

sub-limits apply

  • Initial visit: $20
  • Subsequent visit: $20
Speech therapy 2

$400 per person

combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry, speech therapy & other services

sub-limits apply

  • Initial visit: $49.1
  • Subsequent visit: $24.5

Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, osteopathy & remedial massage}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $30.2}

{Subsequent visit: $18.9}

Blood glucose monitors

Waiting period:  24 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

{combined limit for blood glucose monitors & hearing aids}

{sub-limits apply}

Examples of maximum benefits

{Per monitor: $150}

Chinese medicine

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, osteopathy & remedial massage}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $20}

{Subsequent visit: $20}

Chiropractic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, osteopathy & remedial massage}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $33.5}

{Subsequent visit: $19.4}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry, speech therapy & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $37.8}

{Subsequent visit: $19.4}

Endodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

Examples of maximum benefits

{Filling of one root canal: $67.2}

Exercise physiology*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, osteopathy & remedial massage}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $20}

{Subsequent visit: $12}

Eye therapy (orthoptics)

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry, speech therapy & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $27}

{Subsequent visit: $20.4}

General dental*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{No annual limit}

{sub-limits apply}

Examples of maximum benefits

{Fluoride treatment: $19}

{Scale & clean: $49.4}

{Surgical tooth extraction: $74}

{Periodic oral examination: $29.9}

Hearing aids

Waiting period:  36 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

{combined limit for blood glucose monitors & hearing aids}

{sub-limits apply}

Examples of maximum benefits

{Hearing aid: $600}

Major dental

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$2,000 per person}

{combined limit for major dental & orthodontic}

{sub-limits apply}

Examples of maximum benefits

{Full crown veneered: $570}

Non PBS pharmaceuticals

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

Examples of maximum benefits

{Per eligible prescription: $36.7}

Occupational therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry, speech therapy & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $36.5}

{Subsequent visit: $22.7}

Optical

Waiting period:  6 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

{sub-limits apply}

Examples of maximum benefits

{Multi-focal lenses & frames: $180}

{Single vision lenses & frames: $120}

Orthodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$2,000 per person}

{combined limit for major dental & orthodontic}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: $400}

Orthotics (podiatric orthoses)

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry, speech therapy & other services}

{sub-limits apply}

Examples of maximum benefits

{Orthotics supply & fit: 60% of charge}

Osteopathy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, osteopathy & remedial massage}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $33.5}

{Subsequent visit: $19.4}

Physiotherapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$700 per person}

Examples of maximum benefits

{Initial visit: $35.9}

{Subsequent visit: $23}

Podiatry

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry, speech therapy & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $27.2}

{Subsequent visit: $19.5}

Psychology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

Examples of maximum benefits

{Initial visit: $107.78}

{Subsequent visit: $89.26}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, exercise physiology, osteopathy & remedial massage}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $20}

{Subsequent visit: $20}

Speech therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, orthotics (podiatric orthoses), podiatry, speech therapy & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $49.1}

{Subsequent visit: $24.5}

Health appliances and external prostheses 2mth waiting period, Breathing appliances 12 mth waiting period, fixed benefits, sublimits and benefit replacement periods apply shared combined annual limit with Hearing aids and Blood glucose monitors. School accidents, for pre-school, primary and secondary school students only, 2 mth waiting period, fixed benefit, annual limit $800, PackageBonus, 6 mth waiting period, starts at $50 for singles and $100 couple/family per year. Counselling (no waiting period) shares an annual limit with Psychology. Please contact Medibank for more information

This policy does not include General treatment (Extras) cover for

Ante-natal/Post-natal classes
Audiology
Health management / Healthy lifestyle
Home nursing
Vaccinations

Other features of this general treatment cover: Comprehensive hospital and extras cover in one convenient package. Rewards you with a PackageBonus to use towards approved health and membership expenses. Access to betterhealth Programs to help you better manage your health.

Ambulance cover

Ambulance cover is provided by the State government for Queensland residents (https://www.ambulance.qld.gov.au). This includes cover whilst interstate.

Insurer Details

Medibank Private Limited

Gold Advantage

$1072.10 / month

(Before Rebate, Discount & Loading)

Available in QLD

Disclaimer: This document is not a Private Health Information Statement (PHIS), and it is not intended to replace that document. The details contained in the healthslips.com.au Policy Information was provided by the insurer to the Australian Government. It is intended as general information. It may not take into account your circumstances. For further information contact the insurer. Information used is Licensed from the Commonwealth of Australia under a Creative Commons 3.0 licence.Private Health Information Statement is available from the Private Health Insurance Ombudsman website at https://privatehealth.gov.au/dynamic/Premium/PHIS/MBP/J1A/QJUO2Y

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