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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 6 weeks free?

Join eligible combined hospital & extras cover and you could enjoy six weeks free plus 2&6 months waiting periods waived on extras. New members only. Offer extended to 31 July. ‡ Must use promo code: 6FREE

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Understanding the changes

‡ For new members on new memberships who join and start eligible combined hospital and extras from 19 May – 30 June 2019 and who have not held Medibank health cover in previous 60 days.  Must quote promo code JUNE6 and set up direct debit when joining. Must maintain direct debit and hold eligible product for 30 continuous days from the policy start date to get next 6 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. 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.

Things you should know

~ 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.

^Waiting periods apply. Up to annual limits, Some lens coatings excluded.

# For Accidents that occur after your cover starts and for which treatment is sought within 7 days. Excludes claims covered by third parties such as WorkCover and our Private Room Promise. Out of pockets may apply.

+ Not available in all areas. Must have eligible hospital cover, all relevant waiting periods must have been served and treating doctor must consider it appropriate. Out of pocket expenses may apply.

* Some claims, like paper based, may take longer to update. If you have Visitors Health Insurance, Working Visa Health Insurance or Overseas Student Health cover, you may not be able to use all the features.

‡ OFFER EXTENDED TO 31 JULY: For new members on new memberships who join and start eligible combined hospital and extras from 1 April – 31 July 2020 and who have not held Medibank health cover in previous 60 days. Must quote promo code 6FREE and set up direct debit when joining. Must maintain direct debit and hold eligible product for 30 continuous days from the policy start date to get next 6 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. 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.

Have questions?

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