We have your family's back
As one of Australia’s leading health insurers1 with over 45 years of experience, we understand what is important to families. Our hospital covers come with a suite of benefits that support your family when you need it most.
100% back on dental check-ups twice a year on eligible extras
With eligible extras cover you get 100% back on up to two check-ups each year at a Members’ Choice Advantage Dentist (including bitewing x-rays where clinically required).= Find out more here.
100% back on optical on eligible extras
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.2 Find out more here.
24/7 Medibank Nurse & Mental Health Support
Medibank health insurance members can chat to a registered nurse or mental health professional and get guidance on what they can do next. Call 1800 644 325 or chat online any time of the day or night, 7 days a week at no extra cost.3
Accident Cover Boost
With our Accident Cover Boost, you could get Gold level Hospital benefits if you have an Accident and hold eligible Hospital cover, regardless of your level of cover.4
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.^
No Hospital Excess for kids
One less worry with no Hospital excess for kids on all family covers.5
Want more options during an emergency?
You're not just a parent. You're a 24-hour kid-protecting machine. And so are we. That's why with our new Private Emergency Department Benefit> available on Silver Plus Support and above Hospital covers, we’ll pay towards the admission fee charged for attending an Emergency Department at a Private Hospital. The benefit has an annual limit, per membership of $300, $400 or $500 depending on the product. If you attend a Private Emergency Department there may be other fees applicable.
Choosing the right Hospital cover for you and your family
Bronze Hospital Cover
Looking for outstanding value cover? Our Bronze Hospital cover is a cost-effective option that includes a range of services to help you feel protected when it comes to your health.
Silver Hospital Cover
Entry to Silver includes additional Hospital services such as heart & vascular, lung & chest and more. Get added support from a Private Emergency Department Benefit> available on Silver Plus Support and Silver Plus Secure Hospital covers.
Gold Hospital Cover
If you're thinking about growing your family, our top-level Hospital cover includes pregnancy and birth related services as well as assisted reproductive services.
The amount you pay before Medibank contributes to your hospital costs.
Waiting periods and annual limits may apply.
Considering cover for pregnancy?
Our pregnancy cover options are designed to support you throughout your pregnancy journey, whether you decide to go public or private. Remember, there's a 12-month waiting period for Pregnancy and Birth on hospital cover once you sign up or change your hospital cover to include this, so it's important to plan ahead.
Live Better, get rewarded
With Medibank Live Better Rewards, everyone on your eligible family cover (16 and over) can earn up to $400 worth of rewards each year#, just by tracking healthy actions.
From eating better to moving more, it all adds up. And those points? They can go towards rewards like adidas gear, THE ICONIC fashion, select Apple products, even HelloFresh meals to make weeknights easier. You can also choose extras limit increases or a $200 premium payment##.
So, if you’ve got a few family members on your policy, the rewards really stack up. It’s a simple way to get more out of your cover while looking after yourselves.
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.
Our customers say
Things you should know:
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 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). Applies to 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. 6 month waiting period applies.
3 Some referred services may involve out-of-pocket costs and waiting periods may apply.
4 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 pockets may apply.
5 Other out–of–pocket expenses may apply.
6 Eligibility requirements apply for Dependants. Only available on eligible policies. Additional costs for the first Adult Dependant. Eligible Student Dependants may be added to most Overseas Visitors Health Cover and all Overseas Workers Health Cover products. Adult Dependants cannot be added to any overseas health covers.
7 To be eligible for the Young Adult Discount, a Young Adult must have their own residential hospital policy or a residential hospital policy with their partner. They cannot be a dependent on their parents' policy. If they are on their own couple or family policy, the discount is calculated by taking an average of the discount applied to the adults on the hospital cover. So, if one person has a 10% discount and their partner has no discount, or 0%, the discount applied is 5% overall.
8 If you do not have pregnancy and birth services included in your hospital cover, Medibank does not pay any hospital benefits and you will need to pay for all costs associated with the pregnancy, birth and delivery.
= 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.
^ Waiting periods apply. For ambulance attendance or transportation to a hospital where immediate professional attention is required and your medical condition is such that you couldn't be transported any other way. Tasmania and Queensland have state schemes to cover ambulance services for residents of those states.
>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.^ 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.
# 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 properly 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. The maximum number of Live Better points that each Medibank Live Better member can earn from successfully completing health and wellbeing Challenges, Goals or any Onboarding action in a calendar year is 40,000 Live Better points. To the extent of any inconsistency between this Policy and the Medibank Live Better terms and conditions, the terms and conditions will take precedence.
## Must be 16 years or over to register for Medibank Live Better rewards. Some program partners and earning activities require a person to be at least 18 years of age to be eligible to earn and/or redeem a reward. 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 rewards in the My Medibank app to earn Live Better points for eligible purchases and redeem rewards. Excludes Overseas Student Health Cover (OSHC), Ambulance only cover, ahm covers and other selected covers. Live Better Management Pty Ltd, ACN 003 457 289 has entered into commercial arrangements with Medibank Live Better program partners and may receive commissions. Additional terms and conditions may apply to points earning activities and rewards. Points earning activities and rewards are subject to change and may be subject to availability. Wherever possible, we will give you notice of these changes. See full Medibank Live Better rewards terms.