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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
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
COVID-19 Health Support
Whether you're directly impacted by COVID-19, looking for advice on how to deal with social distancing, or wondering how you can access the healthcare you require, we're here to assist.
Canstar awarded ‘Outstanding Value Insurance’ 13 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.
1. Find your cover
We can help you find the health insurance that best suits your needs.
2. Let us do the paperwork
Simple and easy. We’ll cancel your old membership for you.
3. No waiting periods again
There’s no need to re-serve waiting periods you’ve already served with your old fund.⁵
Things you should know
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.
⁵ You need to join Medibank within 2 months of leaving your old fund, or waiting periods apply again. Also, benefits that have been paid under your previous cover will be taken into account in determining the extras benefits payable under your Medibank cover.
‡ For new members on new memberships who join and start eligible combined hospital and extras from 14 July - 31 August 2021 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 4FREE and set up direct debit when joining. Excludes 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. 4 weeks free: Must maintain direct debit and hold eligible product for 28 continuous days from the policy start date to get next 4 weeks free. 2&6 month waits waived on extras: 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.
~ At recognised providers. Waiting periods and annual limits apply. Excludes optical.
^ Up to annual limits. Waiting periods apply. Excludes optical. Excludes Flexi 80 MC.
# Two month waiting period applies. 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.
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