Hagard

Health Insurance

Freedom of choice
Peace of mind
For better health

Everyone has
the right to
better health
Choosing private health insurance can be confusing, from trying
to decide whether you need hospital cover, extras cover or both,
to which cover suits you best. So we’ve kept things as simple as
possible - from the covers we offer to the way we explain things.
Our range ofhospital and extras covers make it easy to choose
what’s right for you. With the flexibility to mix and match, you can
choose the combination that best suits your needs, lifestyle and
budget. Plus you’ll also have certainty about what you’re covered
for and how much you get back on extras.
With Medibank you also get more control over who treats you,
where you’re treated and above all, how soon.You'll also have
access to greater value through our Members' Choice network,
which is one of Australia’s largest networks of hospital and
health providers.
At Medibank, we’re about more than just health insurance
– we provide healthcare services too. In fact, we employ over
1,500 health professionals who provide services to businesses
and government, Australia wide. That’s why we canoffer our
members a new range of health support services. Our hospital
covers now include Mi Health. Mi Health gives you access to
personal support during your hospital stay and Medibank
nurses 24/7 to answer any health questions. You'll also
have access to an online health resource to help you
make healthier decisions and mobile health apps
to manage your health when you’re on the go.
It'sour commitment to making health cover better
for our members.

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Welcome
to Medibank
Benefits of health insurance

4

Medibank – health cover that gives you more

6

Mi Health – better health support for our members

8

Members’ Choice

10

Choosing the right cover

12

Choosing your health cover is simple

14

Hospital covers

18

Extras covers

20

UltraHealth Cover

26

Manage your membership online

28

Things worth knowing

29

Glossary

38

Consistently outstanding
value 5 years running
The information in this brochure is current at the time of issue January 2013 and supersedes previously published material. Please ensure you read this
brochure thoroughly and retain a copy for future reference. Membership of Medibank Privateis subject to our Fund rules and policies which are summarised
in our Membership guide. You will receive a Membership guide and Cover summary upon joining. Premium rates, and the Fund rules and policies, change from
time to time. The information in this brochure only applies to Medibank branded products.
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Without private health insurance,
common procedures in a private
hospital couldcost you thousands
of dollars:
• $7,090 for childbirth
• $39,200 for heart bypass surgery
• $25,300 for hip replacement surgery
• $19,900 for knee replacement surgery.
These figures are an average of Medibank’s claims information for
2010/11. They include hospital, in-hospital medical and prostheses
charges only. Costs may vary depending on the hospital or provider
you receive treatment fromand from state to state.

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Benefits of health insurance

Benefits of
health insurance
Here are some valuable reasons why it makes
sense to have private health insurance.

Greater control
over your health
Having private health insurance is all about peace of mind.
Important advantages include greater control over your
health and well-being, as well as freedom of choice.
Withprivate health insurance you can:
• choose your doctor
• choose the hospital; and
• choose when to have treatment.

Save
on tax

Avoid a higher premium
by joining early
Generally, if you take out hospital cover by 1 July following
your 31st birthday and maintain it, you can avoid paying a
Federal Government Lifetime Health Cover loading on
your premium.
See page 32 for more details....