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Basic health insurance

The cost-effective option that provides you cover for a minimum number of services. Hospital cover that's designed to meet the needs of the young and healthy; no frills, no fuss health cover. You'll also receive the benefits of our top level of cover in the event of an Accident.+

Prices below are based on

Prices below are based on

This is used to calculate any Australian Government Rebate (AGR) you may be entitled to.If you’re unsure how to calculate your income, this ATO calculator can help.


We can help - Leave your details and a Medibank expert will contact you to help you find the right cover. In providing your telephone number, you consent to Medibank contacting you about health insurance.

Choosing Basic health cover with Medibank

As part of government reforms to health insurance, Medibank will categorise covers as ‘Gold’, ‘Silver’, ‘Bronze’ or ‘Basic’. This change aims to make it easier to compare covers and choose health insurance that is right for you. 


Why choose Medibank?

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Accident cover boost

With our Accident cover boost, you’ll benefit from our top level of cover if you have an accident, regardless of your level of cover. +

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Discounts For Young Australians

To make health insurance more accessible, Medibank will be introducing discounts for younger adults. From 1 April 2019, if you’re aged 18-29 and take out an eligible hospital cover, you could get a discount between 2-10%, depending on your age. And if you stay on an eligible cover, you’ll maintain the same discount until you turn 41.

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750 excess for lower health cover premiums

From 1 April, Medibank will offer hospital products with a $750 excess on selected hospital covers. Choosing a higher excess may help reduce your health cover premiums.

Why Medibank

Not what you're looking for?

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Mix 'n' match hospital & extras

Build your own package by choosing the level of hospital and extras cover that is right for you.

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Hospital only cover

Help cover the cost of hospital treatments with hospital cover that suits you.

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Extras only cover

Cover for optical, dental, physio and more at a level that suits you.

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Need more cover?

View our range of Bronze health insurance products for a bit more cover.

Things you should know

Waiting periods and annual limits may apply. 

+ Covers with Restricted or Excluded services will be treated as Included services where treatment is required for injuries sustained in an Accident that occurs after joining this cover. Treatment must be sought within 7 days of the Accident. Excludes claims covered by third parties such as Workcover and our Private Room Promise. Out of pockets may apply. Refer to your Cover Summary.

# Tasmania and Queensland have State schemes that cover ambulance services for residents of those States. 

^ Guaranteed percentage back on specified services provided by Medibank Members' Choice providers only up to annual limits. 

~ 100% back for kids only applies to child and student dependants on specified services provided by Medibank Members' Choice providers up to annual limits.

‡ For new members on new memberships who join and start eligible combined hospital and extras from 22 July – 31 August 2019 and who have not held Medibank health cover in previous 60 days. Must quote promo code WAITSWAIVED and set up direct debit when joining. 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 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.