Want more from your cover?
As one of Australia’s leading health insurers1 with over 45 years of experience, we understand the importance of better health for better lives. Check out these exciting new benefits for eligible members:
Want up to $400 a year in rewards?
Live Better is our health and wellbeing program inspiring, supporting and rewarding you to eat, move, and feel better, all while enjoying the things you do every day. Medibank members with eligible hospital or extras cover could earn up to $400 a year in rewards2 by redeeming the points earned for taking healthy actions. Plus, if you shop with our partners, you could earn even more points!
Protect your heart with Medibank Silver
We've recently launched new Silver Plus Hospital products. These not only provide comprehensive Hospital cover, but also gives eligible members access to a range of tailored health programs3, so you can feel in control of your health.
Want more options during an emergency?
We now pay towards the admission fee charged for attending an Emergency Department at a Private Hospital on our Silver Plus Support and Silver Plus Secure Hospital covers. The Private Emergency Department Benefit4 has an annual limit, per membership of $300 or $400 depending on the product. If you attend a Private Emergency Department, there may be other fees applicable.
What sets Medibank apart?
As a Medibank hospital & extras member, your cover will also include all of the below benefits - at no extra cost.
100% back on dental check-ups twice a year on eligible extras⁶
Here’s something to smile about – Medibank members with eligible extras cover for two months or more get 100% back on up to two dental check-ups every year, including x-rays, at any Members’ Choice Advantage dentist.⁶
100% back on optical on eligible extras⁷
At Medibank we think you deserve to see the world clearly. That’s why when you join eligible Medibank extras you get 100% back on optical items at all recognised providers up to annual limits.⁷
One of Australia's largest provider networks
Our Members’ Choice network generally offer capped fees or discounts to help reduce out-of-pocket expenses across dental, optical, physiotherapy and more.⁸ With over 3700 provider locations, our Members' Choice extras network is one of the largest in Australia.
Access to one of the largest health provider networks in Australia
With nearly 3,800 provider practices, our Members' Choice extras network is one of the largest in Australia. Our Members’ Choice network generally offers members greater value from their Extras cover, with things such as capped fees or discounts to help reduce out-of-pocket expenses.8 Find a provider.
Looking for an Accident cover boost?
If you have an Accident, you’ll have access to all clinical categories included in Gold level hospital cover, no matter what level of hospital cover you have, thanks to our Accident Cover Boost.9
24/7 Medibank Nurse and Mental Health Phone Support
Speak with a registered nurse or mental health professional over the phone about a general health or emotional concern at any time of the day or night. Both of these phone services are available at no extra cost to Medibank members with hospital cover.10
Awarded Outstanding Value Health Insurance 17 years running
We're proud to deliver award-winning health insurance products, but don't just take our word for it. Canstar have awarded Medibank an outstanding value award for health insurance in Australia for the 17th year in a row.
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Things you should know
+ For former members who held an eligible Medibank hospital or extras cover more than 30 days ago (30 day requirement does not apply to dependants coming off their parent’s cover). Must join, start and maintain eligible combined Bronze hospital and extras cover or above from 10 December 2024. Must quote promo code WELCOMEBACK12 and set up direct debit when joining. Excludes Basic cover, Corporate covers, Hospital only cover, Extras only cover, Accident Cover, Overseas Visitors Health Cover, Overseas Workers Health Cover, Overseas Students Health Cover (OSHC), Ambulance Cover, ahm covers, and other selected covers. Not available if the policyholder has already taken up this offer, or they have taken up any other discount offer from Medibank within 12 months from the policy start date. Not available to Medibank employees. Not available with any other offer. Member take up of the offer is deemed acceptance of these Terms and Conditions. Medibank reserves the right to amend these Terms and Conditions from time to time.
Weeks free terms: Must maintain direct debit and hold eligible combined Bronze hospital and extras cover or above for 42 consecutive days from the policy start date to get initial 6 weeks free, and for 14 consecutive months to receive subsequent 6 weeks free. The weeks free will not be issued if you change to an ineligible cover, terminate your cover or suspend your cover during this period. Discounted amount to reflect level of eligible cover at time of discount.
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. The points will not be issued if you change to an ineligible cover, terminate your cover or suspend your cover during this period. Policyholder will require access to a smartphone and will need to download the My Medibank App. Policyholder will need to have registered a My Medibank account, sign up to Live Better via the My Medibank App and track any Live Better activity within 42 consecutive days from the policy start date. Must be 16 years or over to register for Medibank Live Better. Live Better points could take up to 10 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.
Live Better rewards terms: Must be a Medibank member with eligible hospital cover, extras cover, or hospital and extras cover, be up-to-date with premium payments and have signed up to Medibank Live Better via the ‘My Medibank’ app to redeem rewards. Additional terms and 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 waiver terms: Must join and start eligible combined Bronze hospital and extras cover or above to receive 2&6 month waiting periods on extras waived. Other waiting periods may still apply, including 12 months for some dental services. If switching funds, any waiting periods you've already served for comparable extras will generally be recognised if you join Medibank within 2 months of leaving your previous fund. Annual limits on extras apply. If you’ve reached your limits from a previous fund you may not be able to claim straight away.
1 Based on the number of policies set out in APRA’s Operations of Private Health Insurers Annual Report 2021 for Medibank Private Limited
2 Live Better rewards members could earn up to 40,000 Live Better rewards points each calendar year for successfully completing select Live Better rewards points-earning activities. These activities include, but are not limited to, health and wellbeing challenges, the Weekly Goal, onboarding actions, partner activity earn and the daily auto-tracking bonus. This does not include points earned by shopping with Live Better rewards partners or visiting Members' Choice Advantage providers. 40,000 Live Better points could be redeemed for up to $400 worth of rewards from the Live Better rewards store
Medibank Live Better Challenges & Goals Earning Policy: The participant of a Medibank Live Better Challenge or Goal may not receive Live Better points or may have their already credited Live Better points reversed in accordance with the Medibank Live Better terms and conditions. To earn Live Better points, the participant needs to complete 100% of the eligible Challenge according to the instructions. The number of Live Better points available for Medibank Live Better Challenges and Goals is subject to change without prior notice. To the extent of any inconsistency between this Policy and the Medibank Live Better rewards terms and conditions, the terms and conditions will take precedence.
3 Waiting periods of up to 12 months apply. Must meet clinical requirements for health programs.
4 Two month waiting period applies. We'll pay a benefit up to an annual limit per membership towards any admission fee ("facility fee") charged by the Private Hospital for patients attending a Private Accident and Emergency Department. The fee amount varies by Private Hospital and does not include medical and other charges (such as charges for diagnostic imaging or pathology), so out of pocket expenses may still apply. Only available at Private Hospitals with an Accident and Emergency Department. Members will need to submit a claim to receive the benefit and may have to pay upfront.
5 Eligible members on Medibank extras (excluding Healthy Living Extras and Gold Ultra Health) can claim a maximum of two 100% back dental check-ups per member, per year at a Members’ Choice Advantage provider (including bitewing x-rays where clinically required). For members on eligible extras, the first two check-ups do not count towards your annual limit. Members with Healthy Living Extras can get 100% back on one dental check-up each year at a Members’ Choice Advantage provider (including up to two bitewing x-rays, where clinically required) or at a Members’ Choice provider (excluding x-rays). Members with Gold Ultra Health can get 100% back on up to three dental check-ups at a Members’ Choice or Members’ Choice Advantage provider. Members’ Choice and Members’ Choice Advantage providers are not available in all areas. Two month waiting period applies. Some products may have other dental benefits, check your cover summary for details.
6 Excludes Healthy Living Extras and select products that are no longer available for sale (for more information check your cover summary or check this page). 6 month waiting period applies. Includes prescription glasses and select contact lenses. Some glasses lens coatings and contact lenses are excluded. To find which specific items are included or excluded, call us on 132 331.
7 Other out–of–pocket expenses may apply.
8 Members’ Choice providers are not available in all areas and may change without notice.
9 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-pocket costs may apply.
10 OSHC members should call the Student Health & Support Line on 1800 887 283.
^ 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.