Understanding health insurance

Health insurance can be tricky to understand. We've put together some guides to help get you started.

Understanding health insurance

Getting started

We understand the journey to starting a family is not always straightforward, so we're trying to make the health insurance side of it easier to understand. This guide will help answer your questions.

display /general / find-40 Created with Sketch.
display / treatment / hospital-40 Created with Sketch.
display / baby / pram2-40 Created with Sketch.

How Medibank can support you

display / medicine / bandaid-40 Created with Sketch.

Accident cover boost

Medibank members with hospital cover get the benefits of Gold level cover no matter what level of hospital cover you have, thanks to our Accident Injury Benefit.¹

display /general / emergency-40 Created with Sketch.

24/7 Medibank Nurse phone service

Members with hospital cover can call our phone service to speak to a Medibank nurse about their health concerns at any time of the day or night.²

100% back on dental check-ups twice a year

Here’s something to smile about – all Medibank members with 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.³

display / treatment / opticals-40 Created with Sketch.

100% back on optical

Everyone deserves to see the world clearly. That's why when you join Medibank Extras you get 100% back on optical items at all recognised providers up to annual limits.⁴

Keen to know more?

Below are some helpful links to help you understand and how to use your health cover.

Canstar awarded ‘Outstanding Value Insurance’ 12 years in a row

We’re proud to deliver outstanding value health insurance products designed to suit your needs. But don’t just take our word for it.

We've been helping Australians find better health for over 40 years

Switching from another fund?

Join the 3.7 million other members who have chosen Medibank to support their health and wellbeing. It’s simple and easy to switch, and you’ll have cover where you’ve already served waiting periods with another insurer. Learn more

Live Better

We know caring for yourself impact everyone around you. That's why we've created Live Better, to help you towards a better, healthier life.

Procedure cost estimator

Find out about the costs involved in treatment of common hospital procedures.

Ready to get started with health insurance?

Get a quote

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 claims covered by third parties and our Private Room Promise. Out of pockets may apply.  

² OSHC members should call the Student Health & Support Line on 1800 887 283.

³ 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.

⁴ 6 month waiting period applies. Some lens coatings excluded.   

Have questions?

Our team of experts are ready to help!

Enter your postcode to find your nearest store to have a face-to-face chat!

Fill in the form below or get in touch by calling our dedicated line 1300 110 086.
We are open on Sundays.

In providing your telephone number, you consent to Medibank contacting you about health insurance.

We'll have someone call you soon to help with any questions you have.

contact us