Private health insurance and complementary services

By focusing on the delivery of high-quality health insurance and health services, Medibank reaches millions of Australians.

Private health insurance

Medibank offers private health insurance products that include standalone hospital cover or extras cover, or packaged products that combine the two. Hospital cover provides private health insurance cover for hospital treatments. Extras cover provides cover for healthcare services such as general dental, optical and physiotherapy.

We market private health insurance products under two brands: Medibank and ahm.

Our Medibank brand provides a premium, full-service offering, giving Medibank policyholders better access to health services and advice. Policyholders with hospital cover have exclusive access to our telephone-based 24/7 health advice line, support when they need to go to hospital, an online health hub and mobile health apps for smartphones. 

Medibank members can also be part of our national customer loyalty program with flybuys, collecting points for fruit and vegetables purchases at Coles, and exercise and activity recorded through their fitbit devices.

Our ahm brand is focused is on giving members cover for the things that matter most to them, and aims to maximise value and cut out waste. 

Medibank also offers health insurance for overseas students and visitors to Australia. Taking out health insurance is generally a condition of Australian working and student visas. These customers are generally not covered by Medicare or the Pharmaceutical Benefits Scheme (PBS), so these products provide a level of cover for primary and specialist care and pharmaceuticals as well as hospital cover. They do not include extras cover.

Browse Medibank health insurance products
Browse overseas student health cover
Browse visitor and working visa health insurance
Visit ahm


Complementary services

Since 2009, Medibank has extended its operations beyond private health insurance to take advantage of new market opportunities within the health and broader insurance industries. We provide a range of complementary services including health management and telehealth services for government and corporate customers, and the sale of travel, life and pet insurance products.


Complete Health services for the Department of Defence

Since 2012 Medibank has delivered a national integrated healthcare service to the Australian Defence Force.

Through Medibank’s extensive network, the Garrison Health Services business provides seamless access to quality healthcare to the 60,000+ permanent and 20,000+ reservist uniformed ADF personnel – from point of injury or illness to recovery. 

The GHS team manages and coordinates over 1,100 on-base primary healthcare experts, over 4,000 medical specialists, over 260 hospitals and over 8,000 allied health professionals, working in collaboration across all Australian states and territories.

Medibank provides comprehensive management of the provision and clinical oversight of health services to the ADF through an innovative model. These services include prevention, treatment and rehabilitation for both physical and mental health conditions. These capabilities are provided through excellence and consistency in clinical governance and management practices.


Corporate health and wellbeing services

We offer our corporate clients a full end-to-end solution for all of their employee health and wellbeing needs, everything from flu jabs and health checks to behavioural change programs and health workshops.


Diversified Insurance

Medibank sells travel, life and pet insurance products as the authorised agent of other insurers. These products are strongly aligned to our core insurance business, extending peace of mind to all members of the family, including those who are overseas, as well as much-loved family pets.

Browse our diversified insurance products

Back to top