Health insurance has changed for the better

The new changes aim to make health insurance simpler to understand and easier to compare hospital products, so you can find the cover that best suits your needs.

We know Australians want better value health insurance, so we’ve implemented all of the government reforms 

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Discounts for younger Australians

We’ll be able to offer discounts to 18-29 year-olds taking out eligible hospital cover. 

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$750 excess

We’ll also offer hospital products with a $750 excess. Choosing a product with a higher excess can help reduce your health cover premiums.

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Changes to some natural therapy services

From 1 April 2019, as part of the government changes, all private health insurers will no longer be permitted to pay benefits towards some natural therapy services.

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Standard Definitions and changes to product names

We’ll begin to use ‘standard clinical definitions’ across our website and whenever you hear from us. We may also update the name of your product so it can be classified as ‘Basic’, ‘Bronze’, ‘Silver’ or ‘Gold’, to make it easier to compare. 

Compare our new hospital covers

Comparing hospital cover has never been easier, with the introduction of Basic, Bronze, SIlver and Gold levels of cover.

Find the level of cover that best suits your individual or family's needs. 

Want up to $400 worth of gift cards?

Join eligible Medibank hospital & extras by October 31 and complete a Live Better goal or challenge to receive: 20,000 points (singles) or 40,000 points (couples/families) to redeem on rewards. Plus - we'll waive your 2&6 month waits on extras. New members only.‡ Must use promo code: LIVEBETTER

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Understanding the changes

‡ For new Medibank members on new memberships who join and start eligible combined hospital and extras from 1 September – 31 October 2021 and have not held Medibank health cover in the previous 60 days (unless a dependent coming off parent's cover). Must quote promo code ‘LIVEBETTER’ and set up direct debit when joining. Must maintain direct debit and hold eligible product for 28 continuous days from the policy start date in order to receive the 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. Live Better Points: Policyholder will require access to a smartphone and will need to download the My Medibank App and complete a Live Better goal or download the Medibank Live Better app, register a new account and successfully complete any one-week challenge or goal within 28 days of joining. Must be 18 years or over and have a valid Australian residential address to register for Medibank Live Better. Policyholder will need to have registered a My Medibank account and linked their My Medibank account with their Live Better account within 28 days after the policy start date. Live Better points could take up to 8 weeks from the policy start date to be loaded to the policyholder’s Live Better account. Singles and single parents will receive 20,000 Live Better Points, and families and couples will receive 40,000 Live Better Points. Rewards terms: 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 redeem rewards. Additional terms and conditions may apply to the redemption of a reward depending on the type of reward chosen. Read full Medibank Live Better terms here: https://www.medibank.com.au/livebetter/rewards/terms/ 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.

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