What sets Medibank apart?
Medibank is a leading private health insurer, with more than 45 years of experience delivering better health to Australians.1
We believe care should be affordable, that's why all of our hospital products include the below perks and benefits.
24/7 Medibank Health Support
Health concerns keeping you up at night? Members with health insurance can speak to a registered nurse or mental health professional at no extra cost.2 Chat over the phone or online any time of the day or night.
Accident Cover Boost
If you have an Accident, you’ll have access to all clinical categories included in Gold level hospital cover, no matter what level of hospital cover you have, thanks to our Accident Cover Boost.3
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.4
Bronze Hospital Cover
The Bronze products below provide outstanding value and cost-effective cover for a wide range of common hospital procedures.
The amount you can claim back at Members’ Choice providers, up to annual limits. Fixed amounts apply at non-Members’ Choice providers, up to annual limits.
The amount you pay before Medibank contributes to your hospital costs.
Waiting periods and annual limits may apply.
Hospital & Extras offer - Want 6 weeks free and up to $500 in gift cards?
Join and maintain eligible Bronze hospital and extras cover or above and you could get 6 weeks free plus 50,000 Live Better points (couples and families) or 25,000 Live Better points (singles and single parents) to redeem on rewards like gift cards. We'll also waive 2&6 month waiting periods on extras. Use promo code: 6WEEKSPLUS. New members only.€
Get a quote Find out more
Award Winning Health Insurance
We're proud to deliver outstanding value health insurance products designed to suit your needs, at all stages of life.
Want to combine Hospital cover with Extras?
Searching for Family cover instead?
Get more benefits with Extras Cover
With Extras cover, you receive a range of benefits that help to reduce your out of pocket expenses when you claim on non-hospital services that aren’t normally covered by Medicare – like dental optical, physio and so much more. The types of services you will receive benefits on will depend on the extras cover you select, the waiting periods and your annual or lifetime limits.
Here's how Medibank's current range of extras covers could benefit you:
100% back on dental check-ups twice a year on eligible extras⁶
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.6
100% back on optical on eligible extras7
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.7
One of Australia's largest provider networks
Our Members’ Choice network generally offer capped fees or discounts to help reduce out-of-pocket expenses across dental, optical, physiotherapy and more.8 With over 3700 provider locations, our Members' Choice extras network is one of the largest in Australia.
Live Better, get rewarded
You could earn up to $400 worth of rewards every year.&
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 or THE ICONIC, as well as select Apple products, extras limit increases or a $200 premium payment.5
Things you should know
1 Based on the number of policies set out in APRA’s Operations of Private Health Insurers Annual Report 2021 for Medibank Private Limited.
2 Some referred services may involve out of pocket costs and waiting periods may apply.
3 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 Private Emergency Department Benefit, hospital bonus, claims covered by third parties and our Private Room Promise. Out-of-pocket costs may apply.
4 Waiting period applies. For ambulance attendance or transportation to a hospital where immediate medical attention is required and your condition is such that you couldn't be transported any other way. TAS and QLD have State schemes that provide ambulance services for residents of those States.
5 Must be 16 years or over to register for Medibank Live Better rewards. 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, be up-to-date with premium payments and have signed up to Medibank Live Better rewards in the My Medibank app to earn Live Better points for eligible purchases and redeem rewards. 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. Additional terms and conditions may apply to points earning activities and rewards. Points earning activities and rewards are subject to change and may be subject to availability. Wherever possible, we will give you notice of these changes. See full Medibank Live Better rewards terms.
6 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.
7 Excludes Healthy Living Extras and select products that are no longer available for sale (for more information check your cover summary or check this page). Applies to prescription glasses and select contact lenses. Some glasses lens coatings and contact lenses are excluded. To find which specific items are included or excluded, call us on 132 331. 6 month waiting period applies.
8 Members' Choice not available in all areas.
& Medibank Live Better Challenges & Goals Earning Policy: The participant of a Medibank Live Better Challenge or Goal may not receive Live Better points or may have their already credited Live Better points reversed in accordance with the Medibank Live Better terms and conditions. To earn Live Better points, the participant needs to properly complete 100% of the eligible Challenge according to the instructions. The number of Live Better points available for Medibank Live Better Challenges and Goals is subject to change without prior notice. The maximum number of Live Better points that each Medibank Live Better member can earn from successfully completing health and wellbeing Challenges, Goals or any Onboarding action in a calendar year is 40,000 Live Better points. To the extent of any inconsistency between this Policy and the Medibank Live Better terms and conditions, the terms and conditions will take precedence.
† Based on <65yo Singles cover with Single income <$97k per year, in VIC (24.288% AGR). From $45.80 fortnightly by direct debit or $22.90 weekly by other methods. $750 excess. Excludes Lifetime Health Cover loading.