Why Choose Medibank?
100% back on optical
Join Medibank Extras today and get 100% back on optical items (up to your annual limit) at any recognised provider. Some services like lens coating are excluded and waiting periods apply.
100% back on dental twice a year
Here’s something to smile about – all Medibank members with 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 kids extras
For kids we provide no hospital excess on every one of our family hospital covers. We also offer 100% back on included extras at Members' Choice providers, as part of our Growing Family and Settled Families packaged covers. This only applies to child and student dependants. Only up to annual limits and waiting periods apply, including 12 months for some dental services.
Accident cover boost
Life can be unpredictable, which is why our Hospital covers pay towards treatment if you’re injured in an Accident, regardless of your level of cover. That means, services which are normally Limited or Excluded will be treated as an Included service where treatment is required for injuries sustained in an Accident.#
Canstar awarded ‘Outstanding Value Insurance’ 11 years in a row
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
‡ For new members on new memberships who join and start eligible hospital and extras cover from 1 – 30 September 2019 and who have not held Medibank health cover in previous 60 days. Must quote promo code BONUSPOINTS and set up direct debit when joining. Excludes some Corporate covers, Accident Cover, Ambulance Cover, Overseas Visitors Health Insurance, Overseas Students Health Cover (OSHC), Working Visa Health Insurance, ahm covers and other selected covers. Not available with any other offer. 2&6 month waiting periods on extras waived. Other waiting periods apply (including 12 months on some general dental services and major dental). If you’ve reached your limits from a previous fund you may not be able to claim straight away. Live Better points terms: Must maintain eligible cover and direct debit for 45 consecutive days after the policy start date. Policyholder will require access to a smartphone and will need to have downloaded the Medibank Live Better app and registered a new account. Must be 18 years or over and have a valid Australian residential address to register for Medibank Live Better. Policyholder will need to have registered a My Medibank account and linked their MyMedibank account with their Live Better account within 45 days after the policy start date. 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 and single parents will receive 10,000 Live Better points, and families and couples will receive 20,000 Live Better points. Rewards terms: Must be a Medibank member with hospital cover, extras cover, or hospital and extras cover, be up-to-date with premium payments and have signed up to Medibank Live Better with ‘My Medibank’ or have linked their MyMedibank account with their Live Better account 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 medibank.com.au/livebetter/rewards/terms
# - Cover only for Accidents that occur after join date. Excludes claims covered by third parties such as Workcover and our Private Room Promise. Out of pockets may apply.
* - Waiting period may apply. Limited to two dental check-ups annually on all extras. Not available in all areas.
* - Some claims, like paper based, may take longer to update. If you have Visitors Health Insurance, Working Visa Health Insurance or Overseas Student Health cover, you may not be able to use all the features.