Medibank and Amcal

Helping you and your family on their way to better health

Want an Amcal gift card when you join eligible cover?

Plus, we'll waive 2&6 month waits on extras. For new members only. Quote the code AMCAL¹

Families and couples

Join eligible combined hospital & extras cover, and you could get:

  • $400 Amcal gift card¹
  • 2&6 month waits waived on extras¹


Singles and single parents

Join eligible combined hospital & extras cover, and you could get:
  • $200 Amcal gift card¹
  • 2&6 month waits waived on extras¹


Live better, get rewarded

Eligible Medibank members with hospital or extras cover can now earn rewards through the Live Better rewards program², simply by shopping instore at Amcal Pharmacy. Plus you’ll continue earning Amcal Rewards points as you normally would.³ 

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Earn better

Earn 5 Live Better points for every $1 spent in-store at Amcal Pharmacy (excluding prescription).³

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Shop and earn

You'll still earn 5 Amcal Rewards Points⁴ for every $1 spent at Amcal (excluding prescription) as you normally would.

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Get rewarded

Eligible Medibank members with hospital or extras cover can put points towards rewards with the Live Better Rewards program². 1000 points is enough for a $10 Amcal e-gift card.

Better health starts here

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Better value extras

Get 100% back on up to two dental check-ups at any Members' Choice Advantage dentist every calendar year, including x-rays.⁵

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100% back on optical

When you join Medibank extras you get 100% back on optical items at all recognised providers up to annual limits.⁶

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24/7 Medibank Nurse

Members with hospital cover can call our phone service to speak to a Medibank nurse about their health concerns at any time of the day or night.⁷

Medibank - Amcal

Switching to Medibank is easy

Moving to one of Australia’s leading health funds is easy! Did you know, you can switch health insurance at any time? But remember: you need to join Medibank within 2 months of leaving your previous Australian health fund if you want the waiting periods you've already served to be recognised9.

Things you should know

The offer: For new members on new memberships who join eligible Medibank combined hospital and extras cover.  Must quote promo code ‘AMCAL’ and set up direct debit when joining. Excludes Accident ONLY cover, Ambulance ONLY cover, Extras ONLY cover, Overseas Visitors Cover (OVC), Overseas students health cover (OSHC), Working Visa Health Insurance, Travel Insurance , Pet Insurance, Funeral Insurance, Life Insurance, ahm cover and all corporate covers. AMCAL gift card specific terms: Must hold the same eligible cover and not be in arrears for 65 consecutive days from the policy start date. Family and couple policy holders will receive a $400 Amcal gift card, and single and single parent policy holders will receive a $200 Amcal gift card. The gift card will take up to 12 weeks to arrive by post after the policy start date. The gift card is only redeemable at Amcal Pharmacies. The gift card balance expires within 12 months of the issue date. The gift card is not refundable and cannot be redeemed for cash. Lost or stolen cards will not be replaced or refunded and no liability will be accepted for the loss, theft or destruction of gift cards. For enquiries regarding your gift card please visit or call 1300 554 268. 2&6 month waits waived on extras specific terms: 2 and 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.

² Must be 18 years or over and have a valid Australian residential address to register for Medibank Live Better. 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 earn Live Better Points for eligible purchases and to redeem rewards. Excludes Overseas Visitor health cover, Working Visa health cover, Overseas Student Health Cover (OSHC), Ambulance only cover, ahm covers and other selected covers. Additional terms and conditions may apply to the redemption of a reward depending on the type of reward chosen. Live Better Management Pty Ltd, ACN 003 457 289 has entered into commercial arrangements with Medibank Live Better program partners and may receive commissions. Read full Medibank Live Better terms here.

³ Live Better points will be displayed in your Medibank Live Better account within 3 days of making  an instore purchase. Live Better points will not be earned on purchases from Amcal online, prescription purchases or purchase amounts that have been paid for with an Amcal e-Gift Card, Gift Card or coupon, or via Amcal Rewards points. Live Better points will not be applied unless the Medibank Live Better account is successfully linked to the Amcal Rewards membership account prior to purchase. Each Medibank Live Better account can only be linked to one Amcal account. Live Better points cannot be awarded retrospectively. This offer may be withdrawn or change at any time.

4 Amcal members will earn Amcal Rewards points on all purchases they make at any participating Amcal pharmacy or at, other than for excluded items. Excluded items include gift cards, prescriptions products advertised as being excluded and products where the granting of points would be otherwise be prohibited by law. Amcal Rewards points will not be earned on redemptions. Members will receive 1 Point for every 20¢ spent (5 Points per $1.00) on non-excluded items. Bonus points may be offered from time to time. If you do not have your Amcal Rewards Card with you at the time of purchase you can return to the point of purchase within 30 days with a copy of your receipt and your Amcal Rewards Card and the points will be credited to your account. Transactions processed online must include your Amcal Rewards membership number in order to earn points, points cannot be allocated retrospectively to online transactions. Secondary Amcal Rewards Cards will not earn points for online transactions.

 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. 2 month waiting period applies. 

 6 month waiting period applies. Some lens coatings excluded.

 OSHC members should call the Student Health & Support Line on 1800 887 283.

 Only available on join using the promo code AMCAL. Not available with any other offer or discount. These term and conditions are subject to change without notice.

9 Waiting periods you have not fully served with your previous fund may still need to be served. Waiting periods for any new or upgraded services or higher benefits apply. Benefits that have been paid under your previous cover will be taken into account in determining the benefits payable under your Medibank cover.

Have questions?

Our team of experts are ready to help!

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Fill in the form below or get in touch by calling our dedicated line 1300 110 086.
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