Medibank
Medibank Gold Premier Signature
Medibank
How $816.04 is worked out
- Premium as filed - $1,075.40 a month
- Government rebate - 24.1% of the premium (never of the loading): -$259.36
- A month - $816.04
Go to insurer no commission on this policy
Hospital: what is covered
Covered (38)
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Hospital psychiatric services
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Palliative care
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Rehabilitation
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted (0)
None.
Not covered (0)
None.
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
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental * | 2 months | Check-up (item 012): $40.10; Scale and clean (item 114): $59.30; Fluoride treatment (item 121): $24.80; Tooth extraction (item 322): $97.00 | no yearly limit |
| Major dental | 12 months | Crown (item 615): $760.00 | $2,000 per person a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): $113.90 | $2,000 per person a year (shared with other services) |
| Braces | 12 months | Braces, upper and lower, with a retainer (item 881): 100% back | $800 per person a year |
| Glasses and contact lenses | 6 months | Single vision glasses: 100% back; Multifocal glasses: 100% back | $250 per person a year |
| Prescriptions not on the PBS | 2 months | Prescription: $41.70 | $600 per person a year |
| Physiotherapy | 2 months | First visit: $53.50; Follow-up visit: $32.20 | $700 per person a year |
| Chiropractic | 2 months | First visit: $59.60; Follow-up visit: $29.00 | $400 per person a year (shared with other services) |
| Podiatry | 2 months | First visit: $47.20; Follow-up visit: $27.70 | $400 per person a year (shared with other services) |
| Psychology | none | First visit: $112.96; Follow-up visit: $93.55 | $400 per person a year |
| Acupuncture | 2 months | First visit: $26.00; Follow-up visit: $21.00 | $400 per person a year |
| Remedial massage | 2 months | First visit: $40.00; Follow-up visit: $40.00 | $200 per person a year (shared with other services) |
| Hearing aids | 36 months | Hearing aid: $533.50 | $800 per person a year |
| Blood glucose monitors | 24 months | Blood: $180.00 | $240 per person a year |
| Chinese herbal medicine | 2 months | First visit: $25.00; Follow-up visit: $25.00 | $200 per person a year (shared with other services) |
| Dietitian | 2 months | First visit: $48.70; Follow-up visit: $26.40 | $400 per person a year |
| Exercise physiology | 2 months | First visit: $25.00; Follow-up visit: $25.00 | $200 per person a year (shared with other services) |
| Eye therapy (orthoptics) | 2 months | First visit: $34.10; Follow-up visit: $32.10 | $400 per person a year |
| Occupational therapy | 2 months | First visit: $47.00; Follow-up visit: $42.00 | $400 per person a year |
| Orthotics | 2 months | Benefit: 80% back | $400 per person a year (shared with other services) |
| Osteopathy | 2 months | First visit: $59.60; Follow-up visit: $29.00 | $400 per person a year (shared with other services) |
| Speech therapy | 2 months | First visit: $87.60; Follow-up visit: $39.50 | $400 per person a year |
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 Northern Territory
Medibank has agreements with 2 private hospitals here, as filed with the Ombudsman.
The list
- Darwin Day Surgery - Wanguri (day hospital)
- Darwin Private Hospital - Tiwi
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/NRUP1D, filed by Medibank Private Limited, issued 16 Sept 2026.
† Monthly premium: the premium the insurer filed with the Private Health Insurance Ombudsman for this state, household and excess, before the Australian Government rebate. Answer the income and age questions and every figure becomes the premium after your rebate, with any Lifetime Health Cover loading added to the hospital share (the rebate never applies to the loading) and the age-based discount taken off it where the policy offers one. Insurers may quote a different payment frequency and round each step; check the figure with the insurer before you join.
No insurer pays to appear on this list or for its place in it. LookFirst does not say which tier or policy suits you. The filters are your own questions.