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We know Australians want better value health insurance, so we’ve implemented all of the government reforms
Discounts for younger Australians
We’ll be able to offer discounts to 18-29 year-olds taking out eligible hospital cover.
$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.
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.
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 $500 worth of gift cards?
Join eligible Medibank hospital & extras by February 28 and track any Live Better activity to receive: 25,000 points (singles) or 50,000 points (couples/families) to redeem on rewards. Plus, we'll waive your 2&6 month waits on extras. New members only.‡ Use promo code: LIVEBETTER
Get a quote Find out more
Understanding the changes
You will only need to serve waiting periods for services not previously included under your cover or for any increased benefits or limits.
If you close your cover and re-join Medibank within 2 months, we will honour the Young Adult Discount percentage you had prior to closing your cover. This will only apply where your new hospital cover is eligible for the Young Adult Discount.
Following 1 April 2019, if you transfer from another insurer and you received the Young Adult Discount on your previous cover, Medibank will recognise that discount percentage on the eligible Medibank hospital cover. You just need to join Medibank within 2 months of leaving your previous insurer. Medibank will need a transfer certificate from the other insurer to confirm this.
‡ For new Medibank members on new memberships who join and start eligible combined hospital and extras from 31 December 2021 - 28 February 2022 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 either the Live Better stand-alone app or the My Medibank App and track any Live Better activity within 42 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 42 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 25,000 Live Better Points, and families and couples will receive 50,000 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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