11 July 2024

MMISC_2119842427_2024_07_11

Your quote reference: 6105426922

Reference number: 2119842427

Dear Mr Siddiqui,

Thanks for getting in touch regarding taking out health cover with us.
Attached you’ll find the details of the options we discussed and a breakdown of the cost.

If you’d like to take the next step and join us, please call 132 331 quoting reference number 6105426922 or
visit us online at [Link]/contact-us.
We hope to hear from you soon.
Yours sincerely

The team at Medibank

Information provided is correct at the date of issue and may, in part, be based on information provided by you. Medibank
Private membership is subject to our Fund Rules and policies. Premium rates, and the Fund Rules and policies, change
from time to time. Your personal information is handled in accordance with our Privacy Policy. You can view a copy of
our Fund Rules and Privacy Policy online at [Link]
11 July 2024

Agent Details
Your quote reference
Stephen Prasatzis

6105426922 Messaging

Thanks for getting a quote with us.

We look forward to hearing from you soon.

Your quoted cover

Medibank Bronze Plus Progress Hospital $750 $222.82

excess /monthly

This quote is for a Family cover in NSW with a $750 excess and includes a 24.608% Australian
Government Rebate and 15% Lifetime Health Cover Loading.
The premium quoted may vary by a few cents due to rounding.

About this quote:

This quote is effective as of 11/07/2024 and is subject to change.
Waiting periods and annual limits may apply. Please be aware that the information about the product/s
and premiums provided in this quote are correct as at 11/07/2024. Product availability, coverage, waiting
periods, benefits, premiums and other terms and conditions are subject to change from time to time.
For full details on services covered, please see the Cover Summary attached.

Join now to receive:

• 6 WEEKS FREE - HOSPITAL
• 40,000 LIVE BETTER POINTS
Offer valid for a limited time, some conditions may apply.

To join or make the switch contact us now

Changing your cover is easy. You can switch right now by calling us, visiting us online, or drop into your
nearest Medibank store.

CALL 132 331 VISIT [Link] VISIT IN STORE

Medibank Private Limited ABN 47 080 890 259

Cover Summary
Medibank Bronze Plus Progress
Here’s a summary of the services and treatments provided by your cover. Please read it and keep it somewhere safe for
future reference. For a better understanding of how your cover works refer to your Member Guide, which is a summary of
our Fund Rules and policies, or call us on 132 331.

Hospital cover
Hospital cover can pay towards services you receive when you’re admitted to hospital and treated as a private patient. It can’t
pay towards any services when you’re not admitted to hospital (eg. seeing your GP or specialist).
Here are the services that are Included, Restricted and Excluded under your Hospital cover.
You may still incur out-of-pocket expenses above the amount we pay. Before booking your treatment, call us to find out the
benefits you can expect to receive, and any out-of-pocket expenses you might incur.

Services that are Included, Restricted and Excluded What does it mean?
Ambulance services~ ✔
Included Service
Accidental Injury Benefit ✔
Rehabilitation
We pay benefits towards overnight and same day
hospital accommodation, intensive care and medical
Hospital psychiatric services
services where a Medicare benefit is payable.
Palliative care ✔ Medibank has arrangements with most private
Brain and nervous system ✔ hospitals and day surgeries in Australia - these are
Eye (not cataracts) ✔ known as Members’ Choice hospitals. You’ll generally
get better value if you go to one of these providers.
Ear, nose and throat ✔
If you’re treated at a non-Members’ Choice private
Tonsils, adenoids and grommets ✔
hospital, we’ll generally pay lower benefits and you
Bone, joint and muscle ✔ may incur significant out-of-pocket expenses. Where
Joint reconstructions ✔ you’re treated as a private patient in a public hospital,
Kidney and bladder ✔ we’ll pay benefits towards overnight and same-day
Male reproductive system ✔ accommodation in a shared room.
Digestive system ✔ Restricted Service
Hernia and appendix ✔ A Restricted Service is a service where we pay the
Gastrointestinal endoscopy ✔ minimum benefit set by the government towards
Gynaecology ✔ hospital accommodation.
Miscarriage and termination of pregnancy ✔ If you’re treated in a private hospital for a Restricted
Chemotherapy, radiotherapy and immunotherapy for cancer* ✔ Service, you are likely to incur substantial out-of pocket
expenses because this minimum benefit will not be
Pain management ✔
enough to cover all hospital costs.
Skin ✔
For Restricted Services as a private patient in a public
Breast surgery (medically necessary) ✔
hospital we will pay minimum shared room benefits.
Diabetes management (excluding insulin pumps) ✔
Heart and vascular system ✘ Excluded Service
Lung and chest ✔ An Excluded Service is a service that we won’t
Blood ✔ pay any benefits towards, including any hospital
accommodation or medical services.
Back, neck and spine ✔
Plastic and reconstructive surgery (medically necessary) ✘
Dental surgery ^ ✔
Podiatric surgery (provided by a registered podiatric surgeon) ✘
Implantation of hearing devices ✔
Cataracts ✘
Joint replacements ✘
Dialysis for chronic kidney failure ✘ Medibank does not pay towards cosmetic treatment.
Pregnancy and birth ✘
Assisted reproductive services ✘ Common and Support services
Weight loss surgery ✘ There are a number of Medicare Benefits Schedule (MBS) items
that will also be included to support the services under this
Insulin pumps ✔ cover where a benefit is payable. These may include items like
Pain management with device ✘ in-hospital consultations and some scans, tests and anaesthetics
that are associated with your hospital admission.
Sleep studies ✔
~ For ambulance attendance or transportation to a hospital where immediate professional attention is required and your medical condition is such that you couldn’t be transported
any other way. TAS and QLD have State schemes to cover ambulance services for residents of those States.
* Your hospital cover does not include non-PBS drugs. We will only pay towards cancer-related surgery where that surgery is an Included or Restricted Service under your cover.
^ For Dental surgery performed by a dentist rather than a medical practitioner we only pay benefits towards hospital charges. If the surgery is performed by a medical
practitioner and Medicare benefits are payable, we will pay benefits towards the hospital and medical charges.
Cover Summary Medibank Bronze Plus Progress | 1
• Accidental Injury Benefit means that any Excluded or Restricted Service will be treated as if it is an Included Service, where you require hospital
treatment as a result of injuries sustained in an Accident. It only applies to hospital treatment received within twelve (12) months of the date of
the Accident occurring, and where:
• The Accident occurred after joining your cover
• The Accident occurred in Australia
• Your cover was not suspended at the time of the Accident
• You sought treatment from a medical practitioner within seven (7) days of the Accident
See your Member Guide for more information.

Things you need to know about your Hospital cover

Waiting Periods
A waiting period applies when you join Medibank, or change your cover to include new or upgraded services. We won’t pay
benefits for any items purchased or services received while you are serving a waiting period.

Switching from another health insurer?

You may not need to re-serve waiting periods if you join Medibank within 2 months of leaving your previous health insurer,
and you’ve already served the waiting period for that service.

Accident Waiting Period Waiver

Where a 1-day or 2-month waiting period applies to a service or treatment under your Hospital cover, it may be waived for
claims resulting from an Accident that occurred after joining this cover.

Waiting periods
1 day Ambulance services.

Hospital psychiatric services, Rehabilitation and Palliative care.

2 months
Hospital treatment for conditions requiring hospitalisation that are not deemed pre-existing conditions.

Pre-existing conditions
An ailment, illness or condition that, in the opinion of a Medical Practitioner appointed by Medibank, the signs or symptoms of which
12 months existed at any time in the 6 month period prior to the day on which you became insured under the policy or changed your cover.

Continuous Positive Airway Pressure (CPAP)-type devices.

Excess
This is the amount you pay towards your hospital admission (same-day or overnight) before we pay any benefits. There are
three excess levels on this cover; $250, $500 and $750.
The excess applies per member, per calendar year and it doesn’t apply to child, student or adult dependants on a family
membership. Some hospitals may require you to pay the excess at the time of admission.

Making the most of your Hospital cover

Go to a Members’ Choice Hospital
Medibank has arrangements with most private hospitals and day surgeries in Australia, so you generally get better value
for Included Services if you go to one of these providers.
To find your nearest Members’ Choice hospital, visit [Link]/memberschoice
Members’ Choice hospitals are subject to change from time to time and are not in all areas.

GapCover – How to reduce your in-hospital medical out-of-pocket expenses

Medibank’s GapCover is designed to help eliminate or reduce your out-of-pocket expenses for in-hospital doctor’s charges.
Where your doctor decides to charge more than the MBS fee (the set government fee), you will be left with an out-of-pocket
expense, commonly referred to as the ‘gap’.
Doctors can choose to participate in GapCover on a claim-by-claim basis.
Check upfront with each doctor involved if they’ll participate in Medibank’s GapCover for each claim as part of your
treatment, to help reduce your out-of-pocket expense. Out-of-pocket expenses may still apply.
It’s important to know GapCover doesn’t apply to diagnostic services. See your Member Guide for more information.

Choice of treating doctor or specialist

You can choose your doctor or specialist when you’re treated in hospital as a private patient.

Cover Summary Medibank Bronze Plus Progress | 2

 Surgically implanted prostheses
For an Included or Restricted Service, we’ll pay the minimum benefit as listed in the Australian Government’s Prostheses List.

Travel and accommodation

We pay benefits for travel and non-hospital accommodation related to an eligible hospital admission. Travel benefits are
payable where the patient must travel more than 200km return. Accommodation costs per admission are limited to $20 and
travel costs are set at $0.15 per km. The total combined benefit payable for travel and accommodation is $50 per admission.
Conditions apply, refer to your Member Guide.

Continuous Positive Airway Pressure (CPAP)-type devices

Up to $500 benefit per member every 5 years towards the hire or purchase of an approved device. Conditions apply, refer to
your Member Guide.

24/7 Medibank Nurse

Members are supported around the clock by Medibank nurses on our 24/7 Medibank Nurse telephone service. Call 1800 644
325 for expert health-related advice any time of the day.

Manage your account online with My Medibank

Update your details, check what your cover includes, make a payment and much more. My Medibank lets you manage your
health cover wherever and whenever it suits you.
Best of all, it only takes two minutes to sign up for My Medibank, at [Link]/members
You can also download the Medibank app on your smartphone. Just search for Medibank in your app store or go to
[Link]/mobile

Live Better
Live Better provides encouragement and motivation to help people live better, healthier lives. It’s packed with lifestyle
guides, health info, member offers, courses and so much more. Visit [Link]/livebetter to learn more.

How to find out more

Health insurance can be complicated, that’s why we’ve prepared a glossary of useful terms that you can view online at
[Link]/glossary

This information is current as at 1 April 2019 and subject to change from time to time. If you’d like to change your cover, please contact us on 132 331.
Membership of Medibank Private is subject to our Fund Rules and policies which we can change from time to time and are summarised in our Member Guide.
Medibank Private Limited ABN 47 080 890 259

CS0122 Cover Summary Medibank Bronze Plus Progress | 3