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 plus up to $500 in gift cards?

Get 6 weeks free and your 2 & 6 month waits waived on extras when you join and maintain eligible Bronze hospital & extras or above by June 30. Plus you could get 25,000 Live Better Points (singles) or 50,000 Live Better Points (couples/families) to redeem on rewards like gift cards. New members only.‡ Use promo code: EVENBIGGER

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Understanding the changes

‡ For new members on new memberships who join and start eligible combined bronze hospital and extras cover or above from 16 June – 30 June 2022 and who have not held Medibank health cover in previous 60 days (unless they are dependents coming off their parent’s cover). Must quote promo code ‘EVENBIGGER’ and set up direct debit when joining. Excludes Basic Covers, 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. 6 weeks free terms: Must maintain direct debit and hold eligible product for 42 consecutive days from the policy start date to get next 6 weeks free. 2&6 month waits waived on extras terms: 2&6 month waiting periods on extras waived. Other waiting periods apply (including 12 months on some dental services). If you're switching from another fund and you’ve used any of your current limits (at that fund), that will count towards your annual limits with us. If you've reached your limits at your previous fund you may not be able to claim straight away on extras. Live Better Points terms: Must maintain direct debit and hold eligible product for 42 consecutive days from the policy start date to receive Live Better points. Singles and single parents will receive 25,000 Live Better Points, and families and couples will receive 50,000 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 from the policy start date. 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 from the policy start date. Live Better points could take up to 10 weeks from the policy start date to be loaded to the policyholder’s Live Better account. Live Better 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/

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