How could health insurance be better?

We’ve been asking Australians how can health insurance be better? And over the past couple of years, we’ve made a whole range of improvements and changes. That’s better, and there’s more to come.

You spoke, we listened

When you said you wanted better value, personalised support and more choice, we listened. We've been working with doctors, experts in medical technology and our members to make health insurance better. Discover the recent changes we've made below, inspired by you.

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100% back on dental check-ups twice a year on eligible extras1

With eligible extras cover you get 100% back on up to two check-ups each year at a Members’ Choice Advantage Dentist (including bitewing x-rays where clinically required).1

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Hospital Assist

Beyond just helping to pay towards hospital bills, we’re looking at ways to make going to hospital easier. The Hospital Assist program includes a Health Concierge phone service, a Digital Concierge for online assistance, a 24/7 Advice Line and Patient Reported Experience surveys (PREMS). 

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Medibank at Home

We know that treatments like chemotherapy and dialysis are tough. That’s why we developed Medibank at Home, so our members can access healthcare on their terms.  The trial program — which we’re hoping to roll out nationally — allows eligible members to receive treatment for chemo and dialysis from the comfort of their own home.

We're about making health insurance better

Learn about the changes we've been making to deliver better value, better service and better support for our members.

Accident cover boost

We know that accidents happen. And when they do, recovery should be top priority. That's why if you have an Accident, you’ll get the benefits of our top level hospital cover, no matter what level of hospital cover you have.~ 

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Hospital Experience Scores

To improve our members stays in hospital, we introduced the Patient Reported Experience Measures Survey (PREMS). The survey asked people to rate their hospital experience — from staff interaction to cleanliness. The feedback helped us build a tool, so that you can search for hospitals across Australia and discover how they were rated. 

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My Medibank app

We made it simple for our members to stay on top of their cover with the MyMedibank App. Easily check your limits, make a claim and find a Members’ Choice provider anywhere, anytime. And now, you can estimate your benefits and any gap for your extras claims, so you’ll know how much you could get back before leaving the house. 

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24/7 Medibank Nurse

We know that it’s important to access healthcare anywhere, anytime. That’s why our members with hospital cover can always speak with a Medibank nurse, 24/7. Whether it’s a question about how to manage your symptoms or when you should see a doctor, day or night, our nurses are available on 1800 644 325 for round-the-clock health advice.#

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What are some common hospital procedures for someone like you?

Our interactive tool reveals the common procedures, what you might pay out-of-pocket and how health insurance could help manage the costs.

 

Hospital & Extras offer - Want 6 weeks free and 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. Offer ends 31 March 2024. New members only.€ Use promo code: 6WEEKSPLUS

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Hospital & Extras offer
Medibank Canstar Award for Outstanding Value 11 Consecutive Years

Changes to private health insurance

From 1 April 2019, the federal government introduced a range of health insurance reforms, to make it easier for all Australians to better understand health insurance. And we’ve welcomed these changes by getting on the front foot. Depending on your level of cover, you may have been affected by some of these changes. But don’t worry, we’re here to help make the transition as smooth as possible. Find out more.

Things you should know


1 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.

~ For Accidents that occur after your cover starts and for which treatment is sought within 7 days. Excludes claims covered by third parties such as WorkCover and our Private Room Promise. Out of pockets may apply.

# OSHC members should call the Student Health & Support Line on 1800 887 283

€ For new members on new memberships who join and start eligible combined Bronze hospital and extras cover or above from 24 January – 31 March 2024 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/