Hospital cover

Top Hospital Cover

Top Hospital

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Cover from $21.73* weekly

Cover from $43.46* fortnightly

Cover from $94.50* monthly

* Price calculated for singles membership in NSW (varies from State to State) with the highest excess level available. Price for customers eligible for the 30% Australian Government Rebate and nil Lifetime Health Cover loading. Rebate levels vary from 0% to 40%, which you can change when you get a quote. Minimum payment frequency is fortnightly. Please click here for information on your payment options.

Take a look ...

If your health needs are changing or you're thinking about having a baby and want comprehensive hospital cover for total peace of mind.

What's included?

Comprehensive hospital cover, including obstetrics-related and assisted reproductive services, hip and knee joints replacement, major eye surgery, renal dialysis and more.

Purchase with...

Top Hospital can be purchased on its own, or with an extras cover of your choice.

Services Included:
Ambulance services - more info >Yes
Knee reconstruction surgery and investigationsYes
Shoulder reconstruction surgery & investigationsYes
Appendicitis treatmentYes
Removal of tonsils and adenoidsYes
Surgical removal of wisdom teeth
(for hospital charges only)
Palliative careYes
Psychiatric treatmentYes
Rehabilitation treatmentYes
Heart-related servicesYes
Obstetrics-related servicesYes
Fertility treatment (e.g. IVF & GIFT programs)Yes
Plastic & reconstructive surgeryYes
Major eye surgery - including cataract & lens-related servicesYes
Hip & knee joint replacement surgeryYes
Renal dialysisYes
All other in-hospital services where a Medicare benefit is payableYes
Excess optionsNo excess or $250 or $500
Access to Mi Health support servicesMedibank Nurse 24/7,
Online Health Hub,
Mobile Health Apps

What benefits are paid?

For the services included under each of our covers, we'll pay benefits (less any applicable excess) towards:

What's an excess?

If you have an excess on your cover, you pay this amount towards the cost of your hospital treatment. The higher the excess on your cover, the lower your premium. An excess applies per person per calendar year and doesn't apply to children on your membership.

It's important to note that you may have other out-of-pocket expenses. Please refer to Things worth knowing for more information.

Services we pay benefits for
Services we don't pay benefits for
Services we pay limited benefits for in a private hospital. It's important to consider whether you're likely to need these services because, the benefits for restricted services generally won’t cover the full cost of treatment in a private hospital and you may end up with significant out-of-pocket expenses.

Waiting periods apply including the general 2 month waiting period, 12 months for pre-existing conditions and a 12 month waiting period for obstetrics-related services. For more information including other benefit assessment information, please refer to Things worth knowing.

Note: Cosmetic surgery/procedures are excluded on all Medibank covers.

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