Get all of these benefits on all hospital covers
Our covers provide our members with value beyond the standard Basic, Bronze, Silver and Gold Hospital product inclusions - which you often won't see on a comparison site.
24/7 Medibank Nurse + Mental Health Phone Support
Health concerns keeping you up at night? You can speak to a registered nurse or mental health professional at any time of the day or night. Both of these phone lines are available at no extra cost to Medibank members with hospital cover.¹
Accident cover boost
If you have an Accident and hold Medibank Hospital cover, you’ll get the benefits of our Gold level hospital cover, no matter what level of hospital cover you have, thanks to our Accidental Injury Benefit.²
Unlimited emergency ambulance
No matter which Hospital or Extras policy you choose, you'll have the peace of mind that comes from knowing that your cover includes unlimited emergency ambulance.³
Rewards for healthy behaviours
With Live Better Rewards, you can earn points by tracking healthy actions. And, if you're an eligible Medibank member with hospital or extras, these points can go towards rewards from select partners such as adidas and Fitbit, as well as select Apple products, extras limit increases or a $200 premium payment.⁴
Awarded Outstanding Value Health Insurance 18 years running
We're proud to deliver award-winning health insurance products, but don't just take our word for it. Canstar have awarded Medibank an outstanding value award for health insurance in Australia for the 18th year in a row.
Up to 10 weeks free on Hospital and Extras cover
New joins who maintain eligible Hospital and Extras cover can get:
- Up to 10 weeks free
- Up to $300 in gift cards
- 2&6 month waiting periods waived on eligible extras
T&C’s apply.€
Get more benefits when you add Extras cover
With extras cover, you can take a proactive approach to your health and wellbeing, with regular
check-ups and treatments. Here are a handful of ways Medibank's current range of extras covers could benefit you.
100% back on dental check-ups twice a year on eligible extras⁵
Here’s something to smile about – Medibank members with eligible 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.⁵
100% back on optical on eligible extras⁶
At Medibank we think you deserve to see the world clearly. That's why when you join eligible Medibank extras you get 100% back on optical items at all recognised providers up to annual limits.6
Members' Choice Network
With thousands of provider locations, our Members' Choice extras network is one of the largest in Australia. Our Members’ Choice network generally offers members greater value from their Extras cover compared to non-Members' Choice providers, with things such as capped fees or discounts to help reduce out-of-pocket expenses.⁷
Curly questions with straight answers...
Learn how you could be better off with Medibank
Things you should know
¹ OSHC members should call the Student Health and Support Line on 1800 887 283.
² For Accidents that occur in Australia after your hospital 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.
³ 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.
⁴ Must be 16 years or over to register for Medibank Live Better rewards in the My Medibank app. Some program partners and earning activities require a person to be at least 18 years of age to be eligible to earn and/or redeem a reward. Must be a Medibank member with hospital cover, extras cover, or hospital and extras cover, and be up-to-date with premium payments. Excludes Overseas Student Health Cover (OSHC), Ambulance only cover, ahm covers and other selected covers. Live Better Management Pty Ltd, ACN 003 457 289 has entered into commercial arrangements with Medibank Live Better program partners and may receive commissions. Please choose carefully as rewards will not be amended, cancelled, exchanged or refunded due to change of mind. Points earning activities and rewards are subject to change without prior notice and may be subject to availability. Additional terms and conditions may apply to points earning activities and rewards. See full Medibank Live Better rewards terms. See full Medibank Live Better rewards terms.
⁵ Eligible members on Medibank extras (excluding Healthy Living Extras and Gold Ultra Health) can claim a maximum of two 100% back dental check-ups per member, per year at a Members’ Choice Advantage provider (including bitewing x-rays where clinically required). For members on eligible extras, the first two check-ups do not count towards your annual limit. Members with Healthy Living Extras can get 100% back on one dental check-up each year at a Members’ Choice Advantage provider (including up to two bitewing x-rays, where clinically required) or at a Members’ Choice provider (excluding x-rays). Members with Gold Ultra Health can get 100% back on up to three dental check-ups at a Members’ Choice or Members’ Choice Advantage provider. Members’ Choice and Members’ Choice Advantage providers are not available in all areas. Two month waiting period applies. Some products may have other dental benefits, check your cover summary for details.
⁶ Excludes Healthy Living Extras. Applies to prescription glasses and select contact lenses. Some lens coatings are excluded. 6 month waiting period applies.
7 Members' Choice not available in all areas.
^ 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 full Hospital and Extras offer Terms, Conditions and Exclusions, click here.