Medibank Gold Premier Signature

Hospital: what is covered

Restricted means partially covered for hospital costs as a private patient in a public hospital; in a private room or private hospital you may face significant expenses.

Excess, waiting periods and hospital

• Tier - Gold
• Hospital - Private hospital, or a shared room in a public hospital
• Excess - No excess.
• Co-payments - None.
• Known gap - Yes, with the fund's doctors
• Age-based discount - Offered for 18 to 29 year olds
• Accident cover - Yes
• Travel and accommodation benefits - Yes

Waiting periods

• Most treatments - 2 months
• Existing conditions - 12 months
• Pregnancy and birth - 12 months
• Rehabilitation, psychiatric and palliative care - 2 months

As filed by the insurer: Comprehensive cover. No Excess or Co-payments required. Private Room Promise for pre-booked admissions at a Members' Choice hospital. Up to $1,000 CPAP benefit per member towards hire or purchase of an approved device, a rolling 5-year benefit replacement period applies.

Extras: what you get back

Not covered: Audiology, Antenatal and postnatal, Health management programs, Home nursing, Vaccinations.

* 12 moth waiting period applies to surgical dental extraction.

Other services, as filed: Health appliances and external prostheses: 2month waiting period. Breathing appliances: 12 month waiting period, fixed benefits, benefit replacement periods apply. School accident: Apply to pre-school, primary and secondary school students only, 2 month waiting period, fixed benefit and annual limit of $800 apply. PackageBonus: 6 month waiting period apply, starts at $50 for singles and $100 couple/family per year. Counselling: (no waiting period) shares an annual limit with psychology. Blood pressure monitors: 12 month waiting period and benefit replacement period apply, share an annual limit with blood glucose monitors. Contact Medibank for more information.

Comprehensive hospital and extras cover in one convenient package. Rewards you with a PackageBonus to use towards approved health and membership expenses.

Ambulance

Emergency ambulance. Call-out fees covered. Waiting period for emergency transport: 1 day. No limit on emergency transport.

Agreement hospitals in Victoria

Medibank has agreements with 106 private hospitals here, as filed with the Ombudsman.

This policy's other options

Every state, household and excess the insurer filed for this policy, with the premium before the rebate.

Member retention (hospital cover)

85.4% is the Commonwealth Ombudsman's figure for Medibank in its State of the Health Funds Report 2024-25 (Table 1, page 15; data at 30 June 2025).

The Ombudsman describes it as one measure of the comparative effectiveness of insurers and of their level of member satisfaction: the percentage of members, hospital memberships only, who have remained with the insurer for 2 years or more (page 12). It is published for the insurer, not for this policy, and is not adjusted for policies that lapse when a member dies. The Ombudsman cautions that no single indicator shows an insurer's overall performance (page 27).

It is shown as published. The list is not sorted, filtered or ranked by it.

Member retention is the Commonwealth Ombudsman's figure, from its State of the Health Funds Report 2024-25. Source: Licensed from the Commonwealth Ombudsman under a Creative Commons 4.0 licence. This report is available from the Commonwealth Ombudsman website at www.ombudsman.gov.au.

Where this comes from

Policy details come from the PrivateHealth.gov.au dataset published by the Private Health Insurance Ombudsman on data.gov.au (release of 1 Oct 2026), licensed under Creative Commons Attribution 3.0 Australia. Statement J147/TRVU1Y, filed by Medibank Private Limited, issued 16 Sept 2026.