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 speak to a registered nurse about their health concerns, at no extra cost.3 Chat online or over the phone anytime of the day or night, 7 days a week.
24/7 Medibank Mental Health Support
Medibank health insurance members can chat with a mental health professional over the phone or online at no extra cost.3
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 and up to $500 in gift cards?
Join and maintain eligible Bronze hospital and extras cover or above and you could get 6 weeks free plus 50,000 Live Better points (couples and families) or 25,000 Live Better points (singles and single parents) to redeem on rewards like gift cards. We'll also waive 2&6 month waiting periods on extras. Use promo code: 6WEEKSPLUS. New members only.€
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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.
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 Bronze hospital and extras cover or above and who have not held Medibank health cover in previous 60 days (unless they are dependents coming off their parent’s cover). Must set up direct debit and quote promo code ‘6WEEKSPLUS’ when joining. Excludes Hospital only cover, Extras only cover, 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. Medibank may end this offer or amend these offer terms and conditions at any time without notice. Medibank employees are not eligible for this offer.
6 weeks free terms: Must maintain direct debit and hold eligible cover for 42 consecutive days from the policy start date to get next 6 weeks free. 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.
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. 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. Policyholder must also maintain direct debit and continue to hold an eligible product for 42 consecutive days from the policy start date to receive the Live Better Points. Must be 16 years or over to register for Live Better. Live Better rewards 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 rewards points, and families and couples will receive 50,000 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 Medibank 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/