Hospital & Extras offer - Want 6 weeks free plus 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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Find health insurance that's right for you
Find overseas health cover for your stay in Australia
Why choose Medibank private health insurance?
With over 40 years of experience, we understand what better health means for our 3.7 million members.
Accident Cover Boost
If you have an Accident, you’ll have access to all clinical categories included in Gold level hospital cover, no matter what level of hospital cover you have, thanks to our Accident Cover Boost.+
24/7 Medibank Mental Health Support
Medibank health insurance members can chat with a mental health professional, over the phone or online at no extra cost.< No matter how small, we’re always on call to be your guide when you need it.
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.=
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
1. Find your cover
We help you find the health insurance that best suits your needs.
2. Let us do the paperwork
Simple and easy. We’ll cancel your old membership for you.
3. No waiting periods again
There’s no need to re-serve waiting periods you’ve already served with your old fund.^
Awarded Outstanding Value Health Insurance 17 years running
We're proud to deliver award-winning health insurance products, but don't just take our word for it. Canstar have awarded Medibank an outstanding value award for health insurance in Australia for the 17th year in a row.
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/
+ 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 Private Emergency Department Benefit, hospital bonus, claims covered by third parties and our Private Room Promise. Out-of-pocket costs may apply.
< Some referred services may involve out-of-pocket costs and waiting periods may apply.
= 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.
^ 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 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 18 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/
Health members save 15% all year round
Ready for your next adventure? Help protect your trip with award-winning Medibank Travel Insurance. Plus, if you're a Medibank or ahm health member, you can save 15%.
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Multi-award winning travel insurance
We're proud to be winners of Mozo's Experts Choice Awards in 2022 & 2023 and Mozo's People's Choice Award in 2024.
Where are you headed?
International
Get travel insurance for your overseas holiday. Choose between our Medical Only or Comprehensive plans for peace of mind.
Domestic
Cover for unforeseen cancellations, amendments and delays, plus up to $10,000 towards any rental car insurance excess for rental car damage or theft.
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/
Two months free. They'll dig it.
Sign up to Medibank Pet Insurance by 3 September 2025 and get two month’s premium free. T&Cs apply.* Use promo code: 2FREE Plus, Medibank and ahm health members save 10% every year.#
Get a quick quote
Help protect your furry companion
Dog Insurance
Medibank Dog Insurance can help give your tail-wagging pals cover if something goes wrong. Claim up to 90% on eligible vet bills, with annual benefits up to $30k with Pet Max.Ω
Get cover for accidental injuries and illnesses, with cover available for life.±
Plus, health members save 10% on Medibank Pet Insurance.#
Cat Insurance
Medibank Cat Insurance can help give your purry friend the care it deserves. Claim up to 90% on eligible vet bills, with annual benefits up to $30k with Pet Max.Ω
Get cover for accidental injuries and illnesses, with cover available for life.±
Plus, health members save 10% on Medibank Pet Insurance.#
Winner of Canstar's 2023 and 2024 Outstanding Value Pet Insurance with Routine Care Award.
Award-winning pet insurance for your four-legged friends.
Winner of Mozo's 2024 Experts Choice Award for Exceptional Quality Pet Insurance for Pet Plus and Pet Max.
Get the most out of your cover, with all the bells and whistles
You can add additional benefits like Routine Care (non-insurance benefit) or Extra Care (included in Pet Max policies).†
This will be on top of benefits that are included with all Medibank Pet Insurance policies, like access to myPetPassTM rewards programme++ including Live Bet Support^, and GapOnly® claiming.~
Help & Support
Things you should know
# Eligible 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.
Ω Policy T&Cs, limits, exclusions and waiting periods apply. Sub-limits and excess may apply.
± As long as we continue to provide the product, we’ll offer renewal of your policy every year (subject to the terms and conditions of the policy). See details in your Product Disclosure Statement.
++ myPetPassTM is a rewards programme provided by PetSure (Australia) Pty Ltd and available to holders of active Medibank Pet Insurance policies. myPetPassTM perks are provided by PetSure and third-party suppliers and also subject to these third-party suppliers’ terms and conditions. myPetPassTM perks and/or the myPetPassTM rewards programme may be amended or withdrawn any time without notice. Full Terms & Conditions available at mypetpass.com.au/terms.
^ Live Vet Support is a service provided by PetSure that gives you 24/7 access to general veterinary telehealth advice for your insured pet(s) via online video or chat, via the Customer Portals owned and operated by PetSure. Access to Live Vet Support consultations subject to the Customer Portal terms of use available at petportal-medibank.petsure.com.au/.
~ Available at participating vets, find your nearest GapOnly® Vet here. The gap is the difference between the vet’s invoice and the eligible claim benefit under your pet insurance policy. GapOnly® is a trademark owned by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183. GapOnly® is available on eligible claims at participating vets with a pet insurance policy from a GapOnly® pet insurance partner.
† Policy T&Cs, extra care limit, applicable benefit percentage, waiting periods and exclusions apply. Excess may apply. Extra Care is an included additional benefit with the Pet Max plan and an optional benefit available with Pet Protect and Pet Plus. See PDS for more information.
* Offer commences 12.01am on AEST 01 July 2025 and ends 11.59pm on AEST 03 September 2025 (Offer Period). Offer provides customers with their first two months free in their first policy year only when they purchase a new Medibank Pet Insurance Policy during the Offer period (Offer). If you choose to pay by monthly or fortnightly instalments, you will not be charged an instalment for the first two months of your policy, from the selected policy commencement date. The first premium will be charged on the first premium instalment of the third month of your policy. For annual payments, the two months free will be deducted from your first policy year premium at the time of purchase. Offer will cease if you change your level of cover.
Offer only applies to new Medibank Pet Insurance policies purchased during the Offer Period, online, in-store, or by phone using the promo code 2FREE. Medibank and ahm health members can receive the Offer in addition to the 10% standard Medibank and ahm health member discount on the first year’s premium only.
Not available with any other offer except for:
- the existing Medibank and ahm health members standard discount, if applicable;
- the 5% multi-pet discount for additional pets, if applicable.
Staff members:
- Excludes Medibank and ahm staff members.
Offer subject to the terms and conditions of the Medibank Pet Insurance policy. Eligibility criteria applies for Medibank Pet Insurance and is subject to the Medibank Pet Insurance terms and conditions (Refer to the Product Disclosure Statement). Medibank Pet Insurance reserves the right to withdraw, vary or extend this Offer at any time, without notice.
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.
Help protect the ones you love most with Medibank Life Insurance
Life insurance
Cover up to $2.5m depending on your age and income, with advance payment for terminal illness.1 Plus, Medibank health members save 10% every year.
Income protection
Choose a sum insured of up to 70% of your monthly pre-tax income (up to $12,500 per month, depending on your age).2 Medibank health members save 10% every year.
Award-winning life insurance, proud to be winners of Most Loved, Top Value and Legendary Service in the 2024 Finder Awards for Life Insurance - Direct.
Want to add some extra cover to your life insurance?
You can add additional cover for Critical Illness, Total and Permanent Disability, or Children. These additional covers can help tailor your insurance policy.
Want to talk to us?
Whether you're looking for a new quote or have a question about life insurance, we're here to help. Call us Monday to Friday from 8:00am to 8:00pm AEST/AEDT.
Things you should know
1 Lump sum payable if you suffer a terminal illness and your life expectancy is 12 months or less. For the definition of terminal illness, please refer to the PDS.
2 Eligibility criteria apply. Pre-tax income is defined in the PDS.
3 For details on the optional Critical Illness Cover, including definitions and eligibility criteria, please refer to the PDS.
4 For details on the optional TPD Cover, including definitions and eligibility criteria, please refer to the PDS.
5 For details on the optional Child Cover, including definitions, qualifying periods and eligibility criteria, please refer to the PDS.
Life Insurance
Medibank Life Insurance and Medibank Income Protection (collectively Medibank life insurance) are issued by the insurer, Zurich Australia Limited ABN 92 000 010 195 AFSL 232510 (Zurich). NEOS Direct, a registered business name of NDLI Pty Ltd ABN 70 665 747 277 AFSL 547119, distributes and services Medibank life insurance, which is promoted by NEOS Direct's authorised representative Medibank Private Limited ABN 47 080 890 259 (AR No. 286089) (Medibank).
Any advice provided is general only and doesn’t consider your objectives, financial situation or needs. You should consider these factors, the appropriateness of the advice, and carefully read the relevant Product Disclosure Statement (which sets out the product terms, conditions and exclusions), Target Market Determination and Financial Services Guide before making a decision to acquire, or continue to hold, the product.
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 Zurich's Privacy Policy.