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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’ 14 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 Medibank members on new memberships who join and start eligible combined hospital and extras from 11 July 2022 to 14 Sept 2022 and have not held Medibank health cover in the previous 60 days (unless a dependent coming off parent’s cover). Must quote promo code ‘LIVEBETTER’ and set up direct debit when joining. Excludes Hospital only, Extras only, 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. Medibank employees are not eligible for this offer. Live Better Points terms: Must maintain direct debit and hold eligible product for 28 consecutive days from the policy start date to be eligible for Live Better points. Policyholder will require access to a smartphone and will need to download either the Live Better stand-alone app or the My Medibank App and track any Live Better activity within 28 days from the policy start date. 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 My Medibank account with their Live Better account within 28 days from 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 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 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: https://www.medibank.com.au/livebetter/rewards/terms/ 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.
~ 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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