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Health insurance that's right for you

At Medibank, we’re all about supporting better health. Better health for individuals, couples and families that’s easy to understand.

health insurance at Medibank

Why private health insurance?

Good health tops everything. So when it comes to looking after your (or your family’s) health, you may want choice over when and where you’re treated. Plus there are the lifestyle benefits that come with having private health insurance for extras like dental, optical and physio. Even if you’re healthy, we’ll give you the support you need to stay at the top of your game, including health and fitness offers and free programs like free + active.

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Accident cover boost

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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Better value extras

Every Medibank Member with Extras cover gets 100% back on up to two annual dental check-ups with x-rays at any Members’ Choice Advantage dentist, after serving the two month waiting period.~ Plus, members also get 100% back on optical items at all recognised providers, up to annual limits.^

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My Medibank app

Most members can view their extras limits on the go, plus you can also make a claim on a wide range of extras with the My Medibank app.*

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Medibank at Home

With your doctor's support, eligible members can choose whether a treatment is delivered in the hospital or home, with a range of services, such as rehabilitation and chemotherapy.+

We're implementing all health insurance reforms to give you better value health cover. 

The new changes aim to make health insurance simpler to understand and easier to compare hospital products, so you can find cover that best suits your needs. 

Medibank awarded Canstar Outstanding Value 11 years in a row 2008 - 2018

Canstar awarded ‘Outstanding Value Insurance’ 11 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.

Understanding health insurance

There may be different times in your life when you need to think about health insurance, but it may be complicated if you're new to it. We've pulled together all of the information you need to help you get started.

To encourage more Australians to take up private health insurance, the government offers incentives like the Australian Government Rebate (AGR) to make private health cover more affordable.

Having private hospital cover also means you may be able to avoid the Lifetime Health Cover loading and the Medicare Levy Surcharge.

health insurance at Medibank
Things you should know

# 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.

~ 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.

^Waiting periods apply. Up to annual limits, Some lens coatings excluded.

* Some claims, like paper based, may take longer to update. If you have Visitors Health Insurance, Working Visa Health Insurance or Overseas Student Health cover, you may not be able to use all the features.

+ Not available in all areas. Must have eligible hospital cover, all relevant waiting periods must have been served and treating doctor must consider it appropriate. Out of pocket expenses may apply.
 

‡ For new members on new memberships who join and start eligible hospital and extras cover from 1 – 30 September 2019 and who have not held Medibank health cover in previous 60 days. Must quote promo code BONUSPOINTS and set up direct debit when joining. Excludes some 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. 2&6 month waiting periods on extras waived. Other waiting periods apply (including 12 months on some general dental services and major dental). If you’ve reached your limits from a previous fund you may not be able to claim straight away. Live Better points terms: Must maintain eligible cover and direct debit for 45 consecutive days after the policy start date. Policyholder will require access to a smartphone and will need to have downloaded the Medibank Live Better app and registered a new account. 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 MyMedibank account with their Live Better account within 45 days after 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 10,000 Live Better points, and families and couples will receive 20,000 Live Better points. 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 medibank.com.au/livebetter/rewards/terms