Want 6 weeks free and up to $500 in gift cards?

Join and maintain eligible Bronze hospital and extras cover or above and you could get 6 weeks free plus 50,000 Live Better points (couples and families) or 25,000 Live Better points (singles and single parents) to redeem on rewards like gift cards. We'll also waive 2&6 month waiting periods on extras.

Use promo code: 6WEEKSPLUS. New members only.€

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Extras only offer - want a $50 gift card plus your 2&6 month waits waived?

Join and maintain eligible Medibank extras and you could get 5,000 Live Better points to redeem for rewards like $50 worth of gift cards. Plus, we'll waive your 2&6 month waiting periods on extras. Use promo code: EXTRAPOINTS. New members only.ᶲ

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Find health insurance that's right for you

 

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Find overseas health cover for your stay in Australia

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Get discount cover if you work with one of our partner companies

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Health premiums changed on 1 April 2024

Want to know more about your new premium?

 

Medibank Travel Insurance

Planning to travel? Our COVID-19 travel insurance benefits could help you relax and enjoy your much-needed break even more.¥

Why choose Medibank private health insurance?

With over 40 years of experience, we understand what better health means for our 3.7 million members.

 

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Accident cover boost

Medibank members with hospital cover get the benefits of Gold level cover no matter what level of hospital cover you have, thanks to our Accident Injury Benefit.1

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24/7 Medibank Nurse phone service

Members with hospital cover can call our phone service to speak to a Medibank nurse about their health concerns at any time of the day or night.2

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100% back on dental check-ups twice a year on eligible extras=

Here’s something to smile about – Medibank members with eligible extras cover for two months or more get 100% back on up to two dental check-ups every year, including x-rays, at any Members’ Choice Advantage dentist.=

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100% back on optical on eligible extras±

At Medibank we think you deserve to see the world clearly. That’s why when you join eligible Medibank extras you get 100% back on optical items at all recognised providers up to annual limits.±

Switching to Medibank has never been easier

 

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1. Find your cover

We help you find the health insurance that best suits your needs.

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2. Let us do the paperwork

Simple and easy. We’ll cancel your old membership for you.

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3. No waiting periods again

There’s no need to re-serve waiting periods you’ve already served with your old fund.3

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Awarded Outstanding Value Health Insurance 16 years running

We’re proud to deliver outstanding value health insurance products designed to suit your needs. But don’t just take our word for it.

Things you should know

¥ Limits, sub-limits, exclusions and conditions apply. This is general advice only. Medibank Private Limited, ABN 47 080 890 259, an Authorised Representative, AR 286089, of Travel Insurance Partners Pty Limited, ABN 73 144 049 230 AFSL 360138 arranges the insurance on behalf of the insurer. The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507. Please consider your own needs and the Combined FSG/PDS to decide if this product is right for you. For information on the Target Market and Target Market Determinations, visit medibank.com.au/travel-insurance/help/

1 For Accidents that occur in Australia after your cover starts. Must seek medical treatment within 7 days, and receive hospital treatment within 12 months, of the Accident occurring.  Excludes claims covered by third parties and our Private Room Promise. Out of pockets may apply.  

2 OSHC members should call the Student Health & Support Line on 1800 887 283.

= Eligible members on Medibank extras (excluding Healthy Living Extras and Gold Ultra Health) can claim a maximum of two 100% back dental check-ups per member, per year at a Members’ Choice Advantage provider (including bitewing x-rays where clinically required). For members on eligible extras, the first two check-ups do not count towards your annual limit. Members with Healthy Living Extras can get 100% back on one dental check-up each year at a Members’ Choice Advantage provider (including up to two bitewing x-rays, where clinically required) or at a Members’ Choice provider (excluding x-rays). Members with Gold Ultra Health can get 100% back on up to three dental check-ups at a Members’ Choice or Members’ Choice Advantage provider. Members’ Choice and Members’ Choice Advantage providers are not available in all areas. Two month waiting period applies. Some products may have other dental benefits, check your cover summary for details.

± Excludes Healthy Living Extras and select products that are no longer available for sale (for more information check your cover summary or check this page). Applies to prescription glasses and select contact lenses. Some glasses lens coatings and contact lenses are excluded. To find which specific items are included or excluded, call us on 132 331. 6 month waiting period applies.

3 You need to join Medibank within 2 months of leaving your old fund, or waiting periods apply again. Also, benefits that have been paid under your previous cover will be taken into account in determining the extras benefits payable under your Medibank cover. 

€ For new members on new memberships who join and start eligible combined Bronze hospital and extras cover or above from 22 April 2024 and who have not held Medibank health cover in previous 60 days (unless they are dependents coming off their parent’s cover). Must quote promo code ‘6WEEKSPLUS’ and set up direct debit when joining. Excludes Hospital only cover, Extras only cover, Basic covers, Corporate covers, Accident Cover, Ambulance Cover, Overseas Visitors Cover (OVC), Overseas Students Health Cover (OSHC), Overseas Workers Health cover, Travel Insurance, Pet Insurance, Funeral Insurance, Life Insurance & Income Protection, ahm covers and all corporate covers. Not available with any other offer. Medibank may end this offer or amend these offer terms and conditions at any time without notice.  Medibank employees are not eligible for this offer.

6 weeks free terms: Must maintain direct debit and hold eligible cover for 42 consecutive days from the policy start date to get next 6 weeks free. The 6 weeks free will not be issued if you change to an ineligible cover, terminate your cover or suspend your cover during this period.

2&6 month waits waived on extras terms: 2&6 month waiting periods on extras waived. Other waiting periods apply (including 12 months on some dental services). If you're switching from another fund and you’ve used any of your current limits (at that fund), that will count towards your annual limits with us.  If you've reached your limits at your previous fund you may not be able to claim straight away on extras. 

Live Better points terms: Must maintain direct debit and hold eligible product for 42 consecutive days from the policy start date to receive Live Better points. The points will not be issued if you change to an ineligible cover, terminate your cover or suspend your cover during this period. Policyholder will require access to a smartphone and will need to download the My Medibank App. Policyholder will need to have registered a My Medibank account, sign up to Live Better via the My Medibank App and track any Live Better activity within 42 consecutive days from the policy start date.  Policyholder must also maintain direct debit and continue to hold an eligible product for 42 consecutive days from the policy start date to receive the Live Better points. Must be 16 years or over and have a valid Australian residential address to register for Medibank Live Better. Live Better points could take up to 10 weeks from the policy start date to be loaded to the policyholder’s Live Better account. Singles and single parents will receive 25,000 Live Better points, and families and couples will receive 50,000 Live Better points.

Live Better rewards terms: Must be a Medibank member with eligible hospital cover, extras cover, or hospital and extras cover, be up-to-date with premium payments and have signed up to Medibank Live Better via the ‘My Medibank’ app to redeem rewards. Additional terms and conditions may apply to the redemption of a reward depending on the type of reward chosen. Read full Medibank Live Better terms here: https://www.medibank.com.au/livebetter/rewards/terms/  

ᶲ For new members on new memberships who join and start eligible extras cover and who have not held Medibank health cover in previous 60 days (unless they are a dependent coming off their parent’s cover). Must quote promo code EXTRAPOINTS when joining. Excludes Healthy Living Extras, Corporate covers, Hospital Cover, Accident Cover, Ambulance Cover, Overseas Visitors Health Insurance, ahm covers and other selected covers. Not available to Medibank employees. Not available with any other offer. We reserve the right to amend these offer terms and conditions at any time without notice.  

2&6 month waits waived on extras terms: 2&6 month waiting periods on extras waived. Other waiting periods apply (including 12 months on some dental services). If you're switching from another fund and you've used any of your current limits (at that fund), that will count towards your annual limits with us.  If you’ve reached your limits at your previous fund, you may not be able to claim straight away.

Live Better points terms: Must maintain direct debit and hold eligible cover for 28 consecutive days from the policy start date. The points will not be issued if you change to an ineligible cover, terminate your cover or suspend your cover during this period. Policyholder will require access to a smartphone and will need to download the My Medibank App. Policyholder will need to have registered a My Medibank account, sign up to Live Better via the My Medibank App and track any Live Better activity within 28 consecutive days from the policy start date. Must be 16 years or over to register for Medibank Live Better. Live Better points could take up to 8 weeks from the policy start date to be loaded to the policyholder’s Live Better account. Singles, single parents, families and couples will receive 5,000 Live Better Points.

Live Better rewards terms: Must be a Medibank member with eligible hospital cover, extras cover, or hospital and extras cover, be up-to-date with premium payments and have signed up to Medibank Live Better via the ‘My Medibank’ app to redeem rewards. Additional terms and conditions may apply to the redemption of a reward depending on the type of reward chosen. Read full Medibank Live Better terms here: https://www.medibank.com.au/livebetter/rewards/terms/

Travel insurance with a range of COVID-19 benefits

Planning a trip within Australia or packing your bag to go overseas? Our COVID-19 travel insurance benefits could help you relax and enjoy your much-needed break even more.±

Find out more Get a quote
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Canstar Award

Multi-award winning travel insurance

We're proud to be winners of Mozo's Experts Choice awards in 2022 & 2023 and Canstar's 2023 Most Satisfied Customer - Travel Insurance award.

We're proud winners of Mozo's Experts Choice awards in 2022 and 2023.

Where are you headed?

 

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International

Get travel insurance for your overseas holiday. Choose between our Medical only or Comprehensive plans for peace of mind.

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Domestic

Cover for unforeseen cancellations, amendments and delays, plus up to $5,000 towards any rental car insurance excess for rental car damage or theft.

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Compare Travel Insurance

Decide what you want to have cover for, select your inclusions, and enjoy a relaxing trip.

 

More than one trip a year?

Annual Multi-Trip cover is the ideal option if you're a frequent flyer, both domestically and overseas. It offers you comprehensive cover for every trip you take within your chosen region for the next 12 months.

Find out more
Things you should know

± Limits, sub-limits, exclusions and conditions apply. This is general advice only. Medibank Private Limited, ABN 47 080 890 259, an Authorised Representative, AR 286089, of Travel Insurance Partners Pty Limited, ABN 73 144 049 230 AFSL 360138 arranges the insurance on behalf of the insurer. The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507. Please consider your own needs and the Combined FSG/PDS to decide if this product is right for you. For information on the Target Market and Target Market Determinations, visit medibank.com.au/travel-insurance/help/

Things you should know

# Medibank and ahm health members who wish to activate this discount must provide accurate membership details: (a) at point of purchase for the discount to apply; or (b) prior to renewal for the discount to apply at renewal.

Pet Insurance

Medibank Pet Insurance policies entered into for the first time prior to 30 August 2023 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by PetSure’s Authorised Representative (AR) Medibank Private Limited ABN 47 080 890 259, AR 286089 (Medibank).

Medibank Pet Insurance policies entered into for the first time on or after 30 August 2023, and subsequent renewals of those policies are issued by PetSure and promoted and distributed by PetSure’s AR, Medibank.

Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) ensure this product meets your needs before purchasing, or choosing to continue with the product. PDS and Target Market Determination available at medibank.com.au/pet-insurance.

Insurance that supports your future and the people that matter

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Life cover

Take care of the people who mean the most to you.

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Income protection

Helps to support you should the unexpected happen.

 

 

It seems like a lot to think about, but worrying about the people you love is worse. Remember, our team is on hand to answer any questions you might have.

Contact us

Things you should know

Any advice provided is general only and doesn’t consider your objectives, financial situation or needs. You should carefully read the relevant Product Disclosure Statement (which sets out the product terms, conditions and exclusions), Target Market Determination and Financial Services Guide available here to ensure the product is right for you before making a decision to acquire, or continue to hold, the product. Medibank Life Insurance and Medibank Income Protection (collectively Medibank life insurance) are issued by the insurer, Integrity Life Australia Limited ABN 83 089 981 073 AFSL 245492 (Integrity Life), administered and distributed by NEOS Direct, a registered business name of NDLI Pty Ltd ABN 70 665 747 277 AFSL 547119, and promoted by NEOS Direct's authorised representative Medibank Private Limited ABN 47 080 890 259 (AR No. 286089) (Medibank).

Your personal information will be handled in accordance with the Privacy Policies of the parties involved. Click here for NEOS Direct's Privacy Policy, Medibank Private's Privacy Policy or Integrity Life's Privacy Policy.