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Health Insurance

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

Find health insurance that's right for you

Health cover for life's little things right through to the life-changing

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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~.

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Pregnancy Support

Mums-to-be deserve to be spoilt for choice. So our Growing Family packages provide the flexibility to choose private or public hospital for that all-important moment. Also receive support during pregnancy and beyond with Extras cover for lactation consultations, remedial massage and more.

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Join Extras Cover today and you’ll get 100% back on prescription glasses and contacts (up to your annual limit) at almost any provider Australia wide. Waiting periods apply and some services like lens coating aren’t included.

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Unlimited Emergency Ambulance*

Have peace in mind in knowing that all of our hospital and extras policies include Unlimited Emergency Ambulance*.

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.

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.

Accident Injury Benefit

Life happens. And though you probably haven’t thought much about what to do in the event of an accident, you’ll be glad to know we have. So if you have an Accident you’ll receive all of the coverage of our top level hospital cover – no matter what level of Cover you have.#

Get more back for kids

It can be expensive bringing up a family. That’s why for kids, we provide no hospital excess on every one of our family hospital covers. We also offer 100% back on included extras at Members' Choice providers, as part of our Growing Family and Settled Families covers.^

Government Incentives

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

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

Learn more about private health insurance

My Medibank

Manage your health cover from anywhere, at any time. My Medibank provides a convenient and secure way to update your details, organise your payments and make some claims. You can also claim for a whole range of services with your smartphone.


#Excludes claims covered by third parties such as Workcover. For accidents that occur after join date. Treatment must be sought within 7 days of accident on some covers.

^This only applies to child and student dependants. Only up to annual limits and waiting periods apply, including 12 months for some dental services.

*Waiting periods apply. For ambulance attendance or transportation to a hospital where immediate professional attention is required and your medical condition is such that you couldn't be transported any other way. Tasmania and Queensland have state schemes to cover ambulance services for residents of those states.

~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.    

³ For new members on new memberships who join eligible combined hospital and extras from 1 March 2019. Must quote promo code MONTHFREE and set up direct debit when joining. Must maintain direct debit and hold eligible product for 30 continuous days from the policy start date to get second month 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. 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.