You are an outpatient if you go to hospital to receive treatment but the hospital does not admit you for example, you only undergo pathology tests or radiology services at the hospital and go home. You may be able to make a claim from Medicare to pay for those types of services as some of them are eligible for Medicare rebates. If you need assisted reproductive services, or IVF, these services have a 2 month waiting period. If these services are needed due to a pre-existing condition, a 12 month waiting period applies. No waiting periods apply to your new baby provided they have been added to your hospital cover within 90 days of their birth.
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We can help - Leave your details and a Medibank expert will contact you to help you find the right cover. In providing your telephone number, you consent to Medibank contacting you about health insurance. Comprehensive hospital cover for those who want peace of mind without the need for pregnancy and birth with our highest level of Extras cover to help you stay at the top of your game. For joins completed online, cover payments must be fortnightly at a minimum. We'll update the selected pricing for this cover from weekly to fortnightly.
Leave your details and a Medibank expert will be in touch to take you through your options. Health concerns keeping you up at night? Members with Hospital cover 4 can talk with a mental health professional over the phone in relation to any mental health or emotional concern, 24 hours a day 7 days a week. The time you need to wait before you can receive benefits for services or items listed in your cover. If you're switching from another health fund, on similar cover, we'll recognise waiting periods already served.
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. 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. No matter what hospital excess you pay, the excess will not apply if kids on your membership are admitted to hospital.
Waiting period Icon help Nil. For ambulance attendance or transportation to a hospital where immediate professional attention is required and your medical condition is such that you couldn't be transported any other way. Waiting period Icon help 1 day. Covers which have services that are normally Restricted or Excluded will be treated as an Included service where treatment is required for injuries sustained in an Accident that occurs after joining this cover, provided that the treatment is on the Medicare Benefits Schedule.
Refer Cover Summary for full details. Hospital treatment for the treatment and care of patients with psychiatric, mental, addiction or behavioural disorders. For example: psychoses such as schizophrenia, mood disorders such as depression, eating disorders and addiction therapy.
Waiting period Icon help 2 months. Hospital treatment for care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain. For example: inpatient and admitted day patient rehabilitation, stroke recovery, cardiac rehabilitation. Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system. For example: carpal tunnel, fractures, hand surgery, joint fusion, bone spurs, osteomyelitis and bone cancer.
Chest surgery is listed separately under Lung and chest. Spinal cord conditions are listed separately under Brain and nervous system.
Spinal column conditions are listed separately under Back, neck and spine. Joint reconstructions are listed separately under Joint reconstructions. Joint replacements are listed separately under Joint replacements. Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery provided by a registered podiatric surgeon.
Management of back pain is listed separately under Pain management. Pain management that requires a device is listed separately under Pain management with device. Waiting period Icon help 2 months 12 months for pre-existing. Hospital treatment for the investigation and treatment of the brain, brain-related conditions, spinal cord and peripheral nervous system.
Treatment of spinal column back bone conditions is listed separately under Back, neck and spine. Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer. For example: breast lesions, breast tumours, asymmetry due to breast cancer surgery, and gynecomastia.
This clinical category does not require benefits to be paid for cosmetic breast surgery that is not medically necessary. Hospital treatment for chemotherapy, radiotherapy and immunotherapy for the treatment of cancer or benign tumours. For example: stabilisation of hypo- or hyper- glycaemia, contour problems due to insulin injections.
Treatment for diabetes-related conditions is listed separately under each body system affected. For example, treatment for diabetes-related eye conditions is listed separately under Eye. Treatment for ulcers is listed separately under Skin.
Provision and replacement of insulin pumps is listed separately under Insulin pumps. Hospital treatment for the investigation and treatment of the digestive system, including the oesophagus, stomach, gall bladder, pancreas, spleen, liver and bowel. Endoscopy is listed separately under Gastrointestinal endoscopy. Hernia and appendicectomy procedures are listed separately under Hernia and appendix. Bariatric surgery is listed separately under Weight loss surgery.
Hospital treatment for the investigation and treatment of the ear, nose, throat, middle ear, thyroid, parathyroid, larynx, lymph nodes and related areas of the head and neck. For example: damaged ear drum, sinus surgery, removal of foreign bodies, stapedectomy and throat cancer. Tonsils, adenoids and grommets are listed separately under Tonsils, adenoids and grommets. The implantation of a hearing device is listed separately under Implantation of hearing devices.
Orthopaedic neck conditions are listed separately under Back, neck and spine. Sleep studies are listed separately under Sleep studies. Hospital treatment for the investigation and treatment of the eye and the contents of the eye socket. For example: retinal detachment, tear duct conditions, eye infections and medically managed trauma to the eye. Cataract procedures are listed separately under Cataracts. Eyelid procedures are listed separately under Plastic and reconstructive surgery.
Hospital treatment for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope. Non-endoscopic procedures for the digestive system are listed separately under Digestive system. Fertility treatments are listed separately under Assisted reproductive services. Pregnancy and birth-related conditions are listed separately under Pregnancy and birth. Miscarriage or termination of pregnancy is listed separately under Miscarriage and termination of pregnancy.
Bone fractures are listed separately under Bone, joint and muscle. Procedures to the spinal column are listed separately under Back, neck and spine. Dialysis is listed separately under Dialysis for chronic kidney failure. Hospital treatment for the investigation and treatment of the male reproductive system including the prostate.
Hospital treatment for the investigation and treatment of a miscarriage or for termination of pregnancy. Hospital treatment for pain management that does not require the insertion or surgical management of a device. Pain management using a device for example an infusion pump or neurostimulator is listed separately under Pain management with device.
Hospital treatment for the investigation and treatment of skin, skin-related conditions and nails. The removal of foreign bodies is also included. Plastic surgery that is medically necessary and relating to the treatment of a skin-related condition is also included. Removal of excess skin due to weight loss is listed separately under Weight loss surgery. Hospital treatment for the investigation and treatment of the lungs, lung-related conditions, mediastinum and chest.
For example: lung cancer, respiratory disorders such as asthma, pneumonia, and treatment of trauma to the chest. Note: Insurers are not required to pay for any other benefits for hospital treatment for this clinical category but may choose to do so. Hospital treatment for the investigation and treatment of the back, neck and spinal column, including spinal fusion. For example: sciatica, prolapsed or herniated disc, spinal disc replacement and spine curvature disorders such as scoliosis, kyphosis and lordosis.
Treatment for cancers of the blood is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer. Hospital treatment for the investigation and treatment of the heart, heart-related conditions and vascular system. For example: heart failure and heart attack, monitoring of heart conditions, varicose veins and removal of plaque from arterial walls. Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.
Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity, whether acquired as a result of illness or accident, or congenital. Plastic surgery that is medically necessary relating to the treatment of a skin-related condition is listed separately under Skin.
Hospital treatment for the provision and replacement of insulin pumps for treatment of diabetes. Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses. Joint fusions are listed separately under Bone, joint and muscle. Spinal fusions are listed separately under Back, neck and spine. If your round trip for a hospital admission is more than km we will pay benefits towards costs associated with the travel and accommodation.
Refer to your Cover Summary for full details. Treatment of the female reproductive system is listed separately under Gynaecology. Pregnancy and birth-related services are listed separately under Pregnancy and birth.
Hospital treatment for the implantation, replacement or other surgical management of a device required for the treatment of pain.
For example: treatment of nerve pain, back pain, and pain caused by coronary heart disease with a device for example an infusion pump or neurostimulator. Treatment of pain that does not require a device is listed separately under Pain management.
Zurich Life Insurance, protect the financial futures of the ones you love with Zurich Life Insurance. Regardless of how great your health is, the need for Dental, Optical or Physiotherapy services could arise. Having an Extras policy can help you reduce the cost for those services not covered by Medicare. Depending of the product you select, you can claim back a set benefit amount or a percentage of the cost of your treatment on each visit, up to your annual limit. Get a Quote. On some extra covers, additional benefits help reduce or eliminate the cost of dental care. Use our Online Services portal to submit most Extras claims, check your Extras benefits balance, check specific details about your cover and manage your policy and personal details.
Limits per item apply. Defined Appliances include TENS Machines, blood pressure monitors, insoles, orthopaedic and corrective footware, pressure garments, braces, artificial limbs. Limits apply per item. CPAP Devices subject to eligibility. To receive benefits for health aids and appliances you'll need to visit a recognised provider. You will also need to meet the eligibility criteria, provide proof of purchase and a clinical referral where required.
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