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Hospital cover

Get cover for the cost of treatments in hospital. With flexible options so you can choose the right level of cover for you. Includes ambulance# and accident cover.⁺

Prices below are based on

Prices below are based on

This is used to calculate any Australian Government Rebate (AGR) you may be entitled to.If you’re unsure how to calculate your income, this ATO calculator can help.


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.

Choose hospital cover that suits you

The amount you pay before Medibank contributes to your hospital costs.

Waiting periods and annual limits may apply. 

# Tasmania and Queensland have State schemes that cover ambulance services for residents of those States. 

+ Covers with Restricted or Excluded services will be treated as Included services where treatment is required for injuries sustained in an Accident that occurs after joining this cover. Treatment must be sought within 7 days of the Accident. Excludes claims covered by third parties such as Workcover and our Private Room Promise. Out of pockets may apply. Refer to your Cover Summary.

Choose a tailored package

‡ For new members on new memberships who join and start eligible combined hospital and extras from 1 October – 2 December 2019 and who have not held Medibank health cover in previous 60 days. Must quote promo code SPECSAVERS2019 and set up (and maintain for at least 45 consecutive days from policy start date) direct debit when joining. Excludes Accident Cover, Ambulance Cover, Visitors Health Insurance, Working Visa Health Insurance, OSHC, ahm covers, some Corporate covers and other selected covers. Gift card terms: Must maintain eligible cover and direct debit for 45 consecutive days after the policy start date. Gift card could take up to 8 weeks from the policy start date to arrive by post. Singles and single parents will receive a $200 Specsavers gift card, and families and couples will receive a $400 Specsavers gift card. Gift card can be redeemed at Specsavers stores, is not transferrable and is valid for 12 months from date of issue. Card must be activated within 6 months of issue. For full terms and conditions on activating and using your card see https://specsavers.activatethecard.com.au. 2 & 6 waiver terms: 2 and 6 month waiting periods on extras waived. Other waiting periods apply. If you’ve reached your limits from a previous fund you may not be able to claim straight away. Not available with any other offer.