Life with kids can often be unpredictable. That's where hospital cover can help - so you are prepared for
those times when your life takes an unexpected turn. And with Medibank cover, you and your family
can benefit even when you're in perfect health.
Pay less tax
If your taxable income is over an amount set by the government, you can avoid paying the extra 1%
Medicare Levy Surcharge by taking out any one of our hospital covers for you and your dependants.
More information can be found at ato.gov.au
Get the Australian Government Rebate
The Australian Government Rebate on private health insurance can reduce your premium and make private health insurance more affordable.
Find out more about the Australian Government Rebate.
Avoid a higher premium by joining early
Generally, if you take out hospital cover by the 1 July following your 31st birthday and maintain it,
you can avoid paying a Federal Government Lifetime Health Cover loading on your premium.
Find out more about Lifetime Health Cover
No hospital excess for kids
With our hospital covers, you won't be charged an excess if a child on your membership needs to go to hospital (including adult children).
Your grown up kids are also covered
Your adult children can stay on your cover at no extra cost until they're 21, or if they're studying full-time until they're 25 provided they're not married or in
a de facto relationship. But if they're not full-time students we have our families with adult children option. You do pay a higher premium but it can be
cheaper than if they were to take out their own cover at the same level.
Lower your premiums with an excess payment
An excess is an amount you must pay towards your hospital treatment. The higher the excess, the lower the premium you pay. An excess applies per person per calendar year and doesn't apply to children on your membership.
What will the cost of the premium be?
Things like the type and level of cover you choose, which state you live in, whether you have an excess
and if you're a single or a family will influence your premium.
However, unlike taking out insurance for your home or car, your private health insurance premiums aren't
affected by things like gender, health condition or claims history.
Things Worth Knowing
Before you join we recommend that you take a look at Things Worth Knowing for information
on waiting periods (including the 12 month waiting period for pre-existing conditions) and other benefit assessment information.