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’ 12 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 have not held Medibank cover in the last 60 days and who join and start Medibank combined hospital and extras cover during the promo period (Jan 1 - Feb 29, 2020). Must quote promo code ADIDAS and set up direct debit when joining. Not available on Accident Cover, Visitors Health Insurance, Working Visa Health Insurance, OSHC, Ambulance Cover, ahm covers, some Corporate covers and other selected covers. Not available with any other offer. E- gift card terms: Must maintain eligible cover for 40 consecutive days after the policy start date. E-gift card could take up to 8 weeks from the policy start date to arrive by email. Singles and single parents will receive a $200 Adidas e-gift card, and families and couples will receive 2 x $200 Adidas e-gift cards. E-gift card can only be redeemed at Adidas’s online store, is not transferrable and is valid 12 months from date of issue. E-gift card must be activated within 3 months from date of issue. E-gift card cannot be redeemed on outlet items, on limited edition products, or on super exclusive products. For full list of exclusions see https://www.adidas.com.au/promotion-medibank-live-betterprogram.html. E-gift card can only be used in a single transaction and any unused balance in that transaction will be forfeited. E-gift card is subject to the Adidas standard terms and conditions. For full terms and conditions on activating and using your card see www.medibankrewards.com.au. 2 & 6 waiver terms: 2&6 month waiting periods on extras waived. Other waiting periods apply (including 12 months on some dental services). If you’ve reached your limits from a previous fund you may not be able to claim straight away.
You should read the Medibank Life Insurance combined Product Disclosure Statement and Financial Services Guide carefully before deciding whether or not to buy this product. Medibank Life Insurance is issued by Swiss Re Life & Health Australia Ltd, ABN 74 000 218 306, AFSL 324908 and promoted by Medibank Private Ltd, ABN 47 080 890 259, AR 286089. Medibank Private is acting as the authorised representative of Greenstone Financial Services Pty Ltd, ABN 53 128 692 884, AFSL 343079 of 58 Norwest Blvd, Bella Vista NSW 2153. Advice on this website is general only and does not consider your individual objectives or financial situation. Your personal information will be handled in accordance with our Privacy Collection Notice.
* Waiting period may apply. Limited to two dental check-ups annually on all extras. Not available in all areas.
# 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.
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 $3,000 towards any excess for rental car damage.
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
* Aus. res. 18+ only. Starts 13/1/20 9am AEDT. Ends 31/3/20 11:59pm AEDT. To enter, purchase a Medibank travel insurance policy during the promotional period. If multiple people specified on Medibank travel insurance policy, only the first adult stated on the Certificate of Insurance will be entered into the draw. Policy must not be cancelled at time of draw to be eligible. Entrants contact details must be accurate and up to date. Draw: 2:30pm AEST 21/4/20, L4/411 Collins St, Melb. VIC 3000. Prize: 1 x $10,000 worth of EFTPOS gift cards. Prize is awarded as 2x $4,000 EFTPOS gift cards and 1x $2,000 EFTPOS gift card. Winner published in the Australian on 28/04/20. Promoter: Medibank Private Limited ABN 47 080 890 259, L 4, 720 Bourke St, Docklands VIC 3008. See Terms and Conditions. Permit No's: ACT TP19/04765, NSW LTPS/19/40390 & SA T19/2023.
Travel Insurance: 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 issuer is Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507. Please review your own needs and consider the Combined FSG/PDS. Ask us for a copy.
Select a cover that suits you
Essential Pet Care
Great value cover for accidents and illness.
Ultimate Pet Care
Top comprehensive cover with the highest annual limit and optional routine & preventative care.
Emergency Pet Care
Cover for high value vet bills on accidental injury and specified illnesses.
Things you should know
*Offer ends 11.59pm AEDT on 10 March 2020. Offer provides customers with a 15% discount and if their pet is aged 2 years and under they will also receive the 1st month free when they sign up to Medibank Pet Insurance. The 15% discount is inclusive of the 10% Medibank Health Member discount (for Year One of the new policy), after which the 10% Medibank Health Member discount continues. Offer only applies to new policies purchased using the promo code PET2020. Eligibility criteria applies for Medibank Pet Insurance.
Terms, conditions, exclusions and waiting periods apply. Medibank Pet Insurance is general insurance issued by the insurer The Hollard Insurance Company Pty Ltd (ACN 090 584 473; AFSL 241436), administered by PetSure (Australia) Pty Ltd (ACN 075 949 923 AFSL 420183) and distributed by Medibank Private Limited (ACN 080 890 259 AR 286089). Any advice provided is general only. Please consider your own objectives, financial situation and needs and the product disclosure statement, to decide if this product is right for you.
Insurance that supports your future and the people that matter
Life cover
Take care of the people who mean the most to you.
Funeral cover
Help with funeral expenses and tying up loose ends.
Income protection
Maintain your lifestyle when the unexpected happens.
It might seem like 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.
Things you should know
^ 24/7 Medibank Nurse Phone Service is offered by Medibank Health Solutions Pty Ltd who reserve the right to withdraw or change the service at its sole discretion.
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) and Financial Services Guide available here to ensure the product is right for you.
Please note, effective 21 March 2016, the address of Swiss Re Life & Health Australia Limited has changed to Swiss Re Life & Health Australia Limited, Level 36, Tower Two, International Towers Sydney, 200 Barangaroo Avenue, Sydney, NSW 2000
You should read the Medibank Life Insurance combined Product Disclosure Statement and Financial Services Guide, Medibank Funeral Insurance combined Product Disclosure Statement and Financial Services Guide, the Medibank Income Protection combined Product Disclosure Statement and Financial Services Guide, the Medibank Accidental Death Insurance combined Product Disclosure Statement and Financial Services Guide or the Medibank Income Protection (Accident Cover) combined Product Disclosure Statement and Financial Services Guide carefully before deciding whether or not to buy that product and base your decision on that document.
Medibank Life Insurance, Medibank Funeral Insurance, Medibank Income Protection, Medibank Accidental Death Insurance and Medibank Income Protection (Accident Cover) are issued by Swiss Re Life & Health Australia Ltd ABN 74 000 218 306 AFSL 324908. These products are promoted by Medibank Private Ltd, ABN 47 080 890 259 AR 286089. Medibank Private is acting as the authorised representative of Greenstone Financial Services Pty Ltd, ABN 53 128 692 884, AFSL 343079 of 58 Norwest Blvd, Bella Vista NSW 2153. Advice on this website is general only and does not consider your individual objectives or financial situation. Your personal information will be handled as outlined in the relevant combined Product Disclosure Statement and Financial Services Guide