healthslips.com.au Policy Information

Medibank Private Limited

Medibank Basic Everyday Starter

$154.45 / month

(Before Rebate, Discount & Loading)

Available in VIC

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: Only one person.

Policy ID: MBP/J27/VDXP10

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
Hospital psychiatric services
Palliative care
Rehabilitation

This policy does not include 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
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
Plastic and reconstructive surgery (medically necessary)
Podiatric surgery (provided by a registered podiatric surgeon)
Pregnancy and birth
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 $250 per admission. This is limited to a maximum of $250 per person per year.

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
  • 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

For accidents that occur after joining this cover services which are normally Excluded or Restricted will be treated as included services where treatment is required for injuries sustained in an accident .

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 policy

combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology & physiotherapy

  • Initial visit: $31.8
  • Subsequent visit: $23.5
Chinese medicine 2

$400 per policy

combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology & physiotherapy

  • Initial visit: $16
  • Subsequent visit: $16
Chiropractic 2

$400 per policy

combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology & physiotherapy

  • Initial visit: $38.2
  • Subsequent visit: $26.9
Dietetics/dietary advice 0

$400 per policy

combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology & physiotherapy

  • Initial visit: $40.9
  • Subsequent visit: $25.7
Exercise physiology 2

$400 per policy

combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology & physiotherapy

  • Initial visit: $16
  • Subsequent visit: $16
General dental* 2

$300 per policy

  • Fluoride treatment: $13
  • Scale & clean: $43.6
  • Surgical tooth extraction: $93
  • Periodic oral examination: $22.5
Optical 6

$150 per policy

  • Multi-focal lenses & frames: 100% of charge
  • Single vision lenses & frames: 100% of charge
Physiotherapy 2

$400 per policy

combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology & physiotherapy

  • Initial visit: $38.2
  • Subsequent visit: $30.5
Remedial massage 2

$100 per policy

  • Initial visit: $37.8
  • Subsequent visit: $25.5

Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology & physiotherapy}

Examples of maximum benefits

{Initial visit: $31.8}

{Subsequent visit: $23.5}

Chinese medicine

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology & physiotherapy}

Examples of maximum benefits

{Initial visit: $16}

{Subsequent visit: $16}

Chiropractic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology & physiotherapy}

Examples of maximum benefits

{Initial visit: $38.2}

{Subsequent visit: $26.9}

Dietetics/dietary advice

Waiting period:  0 month

Benefit limits per 12 months unless otherwise stated

{$400 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology & physiotherapy}

Examples of maximum benefits

{Initial visit: $40.9}

{Subsequent visit: $25.7}

Exercise physiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology & physiotherapy}

Examples of maximum benefits

{Initial visit: $16}

{Subsequent visit: $16}

General dental*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per policy}

Examples of maximum benefits

{Fluoride treatment: $13}

{Scale & clean: $43.6}

{Surgical tooth extraction: $93}

{Periodic oral examination: $22.5}

Optical

Waiting period:  6 months

Benefit limits per 12 months unless otherwise stated

{$150 per policy}

Examples of maximum benefits

{Multi-focal lenses & frames: 100% of charge}

{Single vision lenses & frames: 100% of charge}

Physiotherapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, exercise physiology & physiotherapy}

Examples of maximum benefits

{Initial visit: $38.2}

{Subsequent visit: $30.5}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$100 per policy}

Examples of maximum benefits

{Initial visit: $37.8}

{Subsequent visit: $25.5}

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

Ante-natal/Post-natal classes
Audiology
Blood glucose monitors
Endodontic
Eye therapy (orthoptics)
Health management / Healthy lifestyle
Hearing aids
Home nursing
Major dental
Non PBS pharmaceuticals
Occupational therapy
Orthodontic
Orthotics (podiatric orthoses)
Osteopathy
Podiatry
Psychology
Speech therapy
Vaccinations

Other features of this general treatment cover: Great product combining cover for accidents along with some extras including a 100% back on a dental check up, excluding x-rays, when you visit a Members' Choice dentist.

Ambulance cover

In VIC this policy provides:

Emergency: Unlimited with a waiting period of 1 day.

Call-out fees: Will be paid for each attendance, including emergency treatment without transport to hospital.

Other features of this ambulance cover: Cover for an ambulance when you require immediate professional attention and you need to be transported to hospital or other approved facility and your medical condition is such that you cannot be transported any other way, or where an ambulance is called but transport is not needed. Cover for air ambulance where pre-approval has been obtained from Medibank. In all cases the ambulance provider must be Medibank approved. Please contact Medibank for further details.

Insurer Details

Medibank Private Limited

Medibank Basic Everyday Starter

$154.45 / month

(Before Rebate, Discount & Loading)

Available in VIC

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/J27/VDXP10

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