Why many Australians choose Medibank
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.1
Unlimited Emergency Ambulance
No matter which hospital or extras policy you choose, you’ll have the peace of mind that comes from knowing that your cover includes unlimited emergency ambulance.²
24/7 Medibank Nurse Support
Medibank health insurance members can chat to a registered nurse over the phone or online and get guidance on what they can do next. Chat online or call 1800 644 325 anytime of the day or night, 7 days a week at no extra cost.3
24/7 Medibank Mental Health Support
Medibank health insurance members can chat to a mental health professional over the phone or online about how they feel and get guidance on what they can do next, at no extra cost.3 Chat online or call 1800 644 325 anytime of the day or night, 7 days a week.
Thinking about planning a family?
Medibank has different levels of Hospital and Extras cover. The products below are just a few great options that might suit you:
The amount you can claim back at Members’ Choice providers, up to annual limits. Fixed amounts apply at non-Members’ Choice providers, up to annual limits.
The amount you pay before Medibank contributes to your hospital costs.
Better Health Support
Medibank's Hospital Assist makes going to hospital a little less stressful for eligible hospital members, with personalised phone support before and after your stay⁴, digital info packs, a qualified nurse on call³ , and hospital info and patient reviews, all at no extra cost.
Wellness for mums and mums-to-be
Mums-to-be deserve all the support they can get! Which is why our extras cover on all of our Growing Family packages includes lactation consultations, birthing classes, remedial massage and even clinical pilates with a physio.⁵
100% back on kids extras
Looking after your family can be costly, so we provide 100% back on extras for kids on Growing Family and My Choice Extras covers, at Members’ Choice providers, up to annual limits.⁶
Hospital & Extras offer - Want 6 weeks free plus up to $300 in gift cards?
Join and maintain eligible Medibank Hospital and Extras cover and you could get 6 weeks free plus 30,000 Live Better points (couples/families) or 15,000 Live Better points (singles/single parents) to redeem on rewards like gift cards. We’ll also waive 2&6 month waiting periods on eligible extras. New members only.€
Awarded Outstanding Value Health Insurance 18 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 18th year in a row.
Things you should know
¹ 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 Private Emergency Department Benefit, hospital bonus, claims covered by third parties and our Private Room Promise. Out-of-pocket costs may apply. For Gold hospital covers, Accident Cover Boost is not required because all clinical categories are Included, regardless of whether or not the treatment is required as a result of an Accident.
² Waiting period applies. For ambulance attendance or transportation to a hospital where immediate medical attention is required and your condition is such that you couldn't be transported any other way. TAS and QLD have State schemes that provide ambulance services for residents of those States.
³ Some referred services may involve out-of-pocket costs and waiting periods may apply.
⁴ Health Concierge is available through Hospital Assist to all eligible Medibank members who hold hospital cover. Excludes Overseas Visitor Health Cover, Working Visa Health Cover and Overseas Students Health Cover (OSHC). Health Concierge provides personalised health information (conversation with a nurse or allied health professional) for people going to/recovering from a hospital stay for the following treatments: total hip or knee replacement, certain cardiac procedures, over 75s with chronic illnesses, pregnancy, cancer, and 10+ year members having major surgery.
⁵ Waiting periods and annual limits apply. See cover summary for detail.
⁶ Waiting periods apply, including 12 months for some dental services. For Child Dependants (up to 21 years) and full-time Student Dependants (up to 31 years). Members' Choice providers not available in all areas.
€ For new members on new memberships who join and start eligible combined Hospital and Extras cover from 16 December 2025 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 6WEEKSPLUS and set up direct debit when joining. Must have Australian Residency. Excludes Corporate covers, Hospital only cover, Extras only cover, Overseas Visitors Health Cover, Overseas Workers Health Cover, Overseas Students Health Cover (OSHC), Ambulance Cover, ahm covers, and other selected covers. Not available to Medibank employees. Not available with any other offer. Medibank reserves the right to amend these Terms and Conditions from time to time.
6 weeks free terms: Must set up direct debit when joining and hold eligible cover for 42 consecutive days from the policy start date to get 6 weeks free. The 6 weeks free will be applied at the next billing cycle after you have held eligible cover for 42 consecutive days. The 6 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.
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). Annual limits apply. 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 rewards 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 a 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 rewards 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 15,000 Live Better rewards points, and families and couples will receive 30,000 Live Better rewards 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 Live Better via the My Medibank app 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/