Canstar awarded ‘Outstanding Value Insurance’ 14 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.
Don’t take this the wrong way but your body is exceptional.
You’re able to breathe and stretch and bend. You can kick a ball, ride a bike, and crack a crossword. Or maybe you can’t, so you adapt. You somehow find a way. Human, you are incredible. And it’s your health that helps you realise your potential.
Find your incredible
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
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
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
100% back on dental check-ups 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.³
100% back on optical
Everyone deserves to see the world clearly. That's why when you join Medibank Extras you get 100% back on optical items at all recognised providers up to annual limits.⁴
Thinking about switching health funds?
Join the 3.7 million other members who have chosen Medibank to support their health and wellbeing. It’s simple and easy to switch and you generally won’t need to re-serve any waiting periods you have already served with another insurer. Learn more
Things you should know
* To be eligible for free days of cover you must have been a Medibank member with an active resident hospital and/ or extras policy at any point between 1 July 2020 and 30 June 2021. This excludes members with Ambulance only cover, Overseas Visitors Cover, Overseas Workers Cover and Overseas Student Health Cover. Members who joined after 30 June 2021 will not be eligible for this offer.
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.
³ Limited to two dental check-ups on all extras annually. Maximum two bitewing x-rays per check-up, where clinically needed. Not available in all areas.
⁴ 6 month waiting period applies. Some lens coatings excluded.
‡ For new Medibank members on new memberships who join and start eligible combined hospital and extras from 11 July 2022 to 14 Sept 2022 and have not held Medibank health cover in the previous 60 days (unless a dependent coming off parent’s cover). Must quote promo code ‘LIVEBETTER’ and set up direct debit when joining. Excludes Hospital only, Extras only, 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. Medibank employees are not eligible for this offer. Live Better Points terms: Must maintain direct debit and hold eligible product for 28 consecutive days from the policy start date to be eligible for Live Better points. Policyholder will require access to a smartphone and will need to download either the Live Better stand-alone app or the My Medibank App and track any Live Better activity within 28 days from the policy start date. 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 My Medibank account with their Live Better account within 28 days from 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 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 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: https://www.medibank.com.au/livebetter/rewards/terms/ 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.
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 $5,000 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/
Want 16% off your first year of pet insurance?
Sign up and use promo code SAVE16 by 14 Sep 2022. T&Cs apply.* Plus, Medibank and ahm health members save 10% every subsequent year.
Get a quick quote Find out more
Select a cover that suits you
Essential Pet Care
Great value cover for specified accidental injuries and illnesses.
Ultimate Pet Care
Top comprehensive cover for specified accidental injuries & illnesses with the highest annual limit and optional routine & preventive care.
Emergency Pet Care
Cover for high value vet bills on specified accidental injuries and illnesses.
Things you should know
Medibank Pet Insurance is issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, is arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and is promoted and distributed by PetSure’s Authorised Representative (AR) Medibank Private Limited ABN 47 080 890 259, AR 286089. Terms, conditions, waiting periods and exclusions apply. 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) to ensure this product meets your needs before purchasing. PDS and Target Market Determination available at medibank.com.au/pet-insurance
* Offer ends 11.59PM AEST on 14 September 2022. Offer provides a 16% discount on the first year's premiums only (which is inclusive of the standard 10% Medibank and ahm health member discount). Medibank and ahm health members save 10% every subsequent year. Offer only applies to new policies purchased using the promo code SAVE16. Eligibility criteria applies for Medibank Pet Insurance. Not available with any other offer with the exception of a 5% discount for additional pets. Excludes ahm and Medibank staff members.
Medibank Life Insurance
Help protect your family's future with Medibank Life Insurance, and get $100 cashback when you purchase a new policy and hold cover for 6 months. Offer ends 13 Sep 2022. T&Cs apply.±
Get a quick quote Find out more
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.
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
± Cashback T&Cs: Offer starts 12.01AM AEST 20 July 2022 and ends 11.59PM AEST 13 September 2022 (Promotion Period). Offer available for new Medibank Life Insurance policies purchased during the Promotion Period. To be eligible for the $100 cashback you must have (a) purchased a new Medibank Life Insurance policy during the Promotion Period and held the active policy for 6 consecutive months from the Policy Commencement Date; and (b) have made 6 months’ worth of payments. Once the eligibility criteria has been met, payment will be processed within 14 days of the payment of your 6th monthly premium into the account from which your premiums are debited.
Offer not available on Medibank Starter Life Insurance policies, or Medibank Funeral Insurance policies. Not available with any other offer, except for the Medibank health member discount of 10% on life insurance premiums.
The cashback offer is limited to 1 payment per policy in the first year of the policy.
The cashback offer will not be payable if your Medibank Life Insurance policy lapses due to non-payment of premiums within the first 6 months of the Policy Commencement Date or you cancel your policy for any reason.
If we have agreed to pause your premiums due to financial hardship within the first 6 months of your Policy Commencement Date, you will still be eligible for the $100 cashback once 6 months of premiums have been paid.
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. Medibank life insurance products are issued by the insurer, Swiss Re Life & Health Australia Limited ABN 74 000 218 306, AFSL 324908 (Swiss Re). Medibank life insurance products are distributed by Greenstone Financial Services Pty Ltd ABN 53 128 692 884, AFSL 343079 (GFS), and promoted by Medibank Private Limited ABN 47 080 890 259, AR 286089 (Medibank Private). Medibank Private is an authorised representative of GFS.
For more information about how Medibank handles your personal information see our Privacy Policy. The Privacy Policy Collection Notice provides more information about our partner’s privacy practices and policy.
Have questions?
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