Things worth knowing about private health cover

See if you can take advantage of tax breaks and rebates

  • from$15.78/week*

    ($31.56 / fortnight)

    Budget hospital and extras for the young and healthy.

    Hospital Essentials

    • Shoulder reconstruction
    • Knee reconstructions
    • Ambulance^
    View details
  • from$22.09 /week*

    ($44.18 / fortnight)

    Basic hospital and extras cover.

    Basic

    Hospital ($500 excess)

    • Shoulder and knee reconstruction
    • Colonoscopies
    • Ambulance^

    Basic

    Extras (55% back at Members' Choice Providers)

    • General dental
    • Optical
    • Physiotherapy
    View details
  • from$28.37 /week*

    ($56.74 / fortnight)

    Basic hospital with more extras included.

    Basic

    Hospital ($500 excess)

    • Shoulder and knee reconstruction
    • Colonoscopies
    • Ambulance^

    Top

    Extras (55% back at Members' Choice Providers)

    • General and Major dental
    • Optical
    • Physiotherapy
    View details

*Prices displayed for singles in NSW entitled to a 26.791% Australian Government Rebate. Hospital prices assume nil Lifetime Health Cover loading and $500 excess (unless otherwise stated). Waiting periods may apply including 12 months for pre-existing conditions and some dental services. Minimum payment frequency is fortnightly.
^Tasmania and Queensland have State schemes that cover ambulance services for residents of those States.

Tax benefits, rebates and incentives for health insurance

You could pay less tax
If you earn more than $90,000, you might have to pay the Medicare Levy surcharge on your tax of at least 1%.
Learn more
Get hospital cover sooner and save
If you don't have hospital cover by 1 July following your 31st birthday, you could end up paying extra when you eventually do get it. The longer you wait, the more you may have to pay.
Learn more
Get health cover and save on your premium
The Government could pay a percentage of your health cover premium if you’re a single earning less than $90,000 or a family earning less than $180,000.
Learn more

Common questions

Why choose Medibank when there are cheaper funds?
As a member you have access to Australia’s largest network of health care providers, plus exclusive benefits, like a nurse on the phone 24/7 for holders of hospital cover, our Online Health Hub, and easy claims on your mobile phone.
Learn more

What's most important to you?

  • 100% back on optical items up to annual limits with the largest choice of preferred optical providers in Australia.

  • Get cover for pregnancy, childbirth and your new family.

  • Keep teeth healthy with Top Extras cover.

  • Tailor hospital and extras cover to suit your circumstances.

Learn more about health insurance

Find out more about things like the Lifetime Health Cover loading, waiting periods, annual limits and Government rebates on our Understanding health insurance page.