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Why should I get Private Health Insurance?
Your choice of doctor
With private hospital cover, you can choose the doctor that you know and trust.
You could save money on tax
If you don’t have private hospital cover for a full tax year and you earn more than $90,000 as a single (or $180,000 as a family/couple/single parent), the Australian Tax Office may add an extra charge to your tax bill.
Avoid or reduce Lifetime Health Cover Loading
If you have turned 31 and don’t have hospital cover by 1 July, a 2% loading is added to your hospital cover premium for every year you’re without hospital cover.
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.
24/7 Mental Health Phone Support
Members with hospital cover⁷ can talk with a mental health professional over the phone in relation to any mental health or emotional concern, 24 hours a day 7 days a week.
Accident Cover Boost
Medibank members with hospital cover get the benefits of gold level cover if they have an Accident in Australia after joining, thanks to our Accidental Injury Benefit.³ Excludes claims covered by third parties and our Private Room Promise.
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
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.²
Canstar awarded ‘Outstanding Value Insurance’ 12 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.
Things you should know
¹ Our most popular combined hospital and extras covers, Bronze Plus Progress Hospital 500 Excess and Essential Extras 75, Basic Everyday Starter Hospital 750 Excess and Basic Everyday Starter Extras, and Bronze Plus Progress Hospital 500 Excess and Growing Family Extras 60 is based on the number of combined hospital and extras covers purchased between 1 July 2019 and 31 May 2020.
² 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.
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 claims covered by third parties and our Private Room Promise. Out of pockets may apply.
⁴ Other out of pockets may apply.
⁵ 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.
⁶ Waiting periods apply, including 12 months for some dental services. For child (up to 21 years) and full-time student (up to 25 years) dependants. Members’ Choice providers not available in all areas.
⁷ OSHC members should call the Student Health and Support Line on 1800 887 283
⁸ Up to annual limits, waiting periods apply, including 12 months for some dental services. For child (up to 21 years) and full-time student (up to 25 years) dependants time students. Members’ Choice providers not available in some areas.
⁹ 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 members on new memberships who join and start eligible combined hospital and extras from 1 August to 31 August 2020 and who have not held Medibank health cover in the previous 60 days (unless dependents coming off their parents cover). Must quote promo code 4FREE and set up direct debit when joining. Must maintain direct debit and hold eligible product for 28 continuous days from the policy start date to get the next four weeks free. 2&6 month waits waived on extras: 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. Offer excludes 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.
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