Something to smile about

Private health insurance makes sense. Here are some valuable reasons why.

When you join Medibank, what do you get for your money? Put simply, greater peace of mind, more control over where you're treated, who treats you and, above all, how soon.

But that's not all. You'll be able to access great value through our Members' Choice network, one of the largest health provider networks in Australia, covering more types of extras services than any other private health insurer. And you'll also be able to take advantage of our betterhealth programs – a great range of programs to keep you healthy and on track.

Members' Choice

Members' Choices

Our Members' Choice network is one of the largest health provider networks in Australia, covering more types of extras services than any other health fund. We've negotiated with many healthcare professionals so you won't be charged more than the agreed price. So when you visit a Members' Choice extras provider or hospital, you can further reduce your out-of-pockets.

Find out more about our Members' Choice network

Single and couple benefits

Single and couple benefits

With Medibank's health insurance for singles and couples you can benefit even when you're in perfect health, but should things take an unexpected turn, you'll have peace of mind knowing that we can help you feel better sooner.

Find out more about single and couple benefits

Family benefits

Family benefits

Life with kids can often be unpredictable. That's where hospital cover can help - so you are prepared for those times when your life takes an unexpected turn. And your family will undoubtedly benefit from the range of financial incentives associated with taking out private health insurance, including a possible reduction in tax and avoiding the Lifetime Health Cover Loading.

Find out more about family benefits

Lifetime Health Cover

Lifetime Health Cover (LHC)

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

Find out more about Lifetime Health Cover

Medicare Levy Surcharges

Medicare Levy Surcharges (MLS)

Save on tax. If your taxable income is over an amount set by the Government, you can avoid paying the extra 1% Medicare Levy Surcharge by taking out any one of our hospital covers for you and your dependants.

Find out more about the Medicare Levy Surcharges

Australian Government Rebate

Australian Government Rebate (AGR)

Reduce your premium. The Australian Government Rebate on private health insurance reduces your premium and makes private health insurance more affordable.

Find out more about Australian Government Rebate