Health insurance that could be right for you

Getting health insurance could mean hospital cover, extras cover or a combination of the two. Find out why we could be the right choice for you with so many great product benefits no matter what option you choose.

Medibank

What sets Medibank apart?

Medibank is a leading private health insurer, with more than 45 years of experience delivering better health to Australians.1

Getting hospital cover allows you to be treated in hospital as a private patient. The type of hospital services you are eligible to receive benefits for depends on whether you choose basic, bronze, silver or gold tiers. As a Medibank Hospital member, your cover will also include all of the below benefits:

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24/7 Medibank nurse + mental health phone support

Health concerns keeping you up at night? You can speak to a registered nurse or mental health professional over the phone in relation to a general health or emotional concern at any time of the day or night.² 

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Accident cover boost

If you have an Accident and hold Medibank Hospital cover, you’ll get the benefits of our Gold level hospital cover, no matter what level of hospital cover you have, thanks to our Accidental Injury Benefit.³

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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.⁴

Live Better, get rewarded

You could earn up to $400 worth of rewards every year.

With Live Better Rewards, you can earn points by tracking healthy actions. And if you're an eligible Medibank member with hospital or extras, these points can go towards rewards from select partners such as adidas, Fitbit, as well as select Apple products, extras limit increases or a $200 premium payment.5

Get more benefits with Extras Cover


With Extras cover, you receive a range of benefits that reduce your out of pocket expenses when you claim on non-hospital services that aren’t normally covered by Medicare – like dental optical, physio and so much more. The types of services you will receive benefits on will depend on the extras cover you select, the waiting periods and your annual or lifetime limits.

Here's how Medibank's current range of extras covers could benefit you:

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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

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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

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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. 

Medibank Canstar

Awarded Outstanding Value Health Insurance 16 years running

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

Hospital & Extras offer - Want up to 12 weeks free plus up to $500 in gift cards?

Join and maintain eligible Bronze hospital and extras cover or above and get 6 weeks free after your first consecutive 42 days, and another 6 weeks free in month 15. Plus, you could get 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: 12WEEKSPLUS. Offer ends 30 June 2024. New members only.€

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Hospital & Extras offer

Commonly asked questions

Stay on top of your health with Medibank

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

³ For Accidents that occur in Australia after your hospital 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.  

⁴ 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.

⁵ Must be 18 years or over and have a valid Australian residential address to register for Medibank Live Better. 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 with ‘My Medibank’ or have linked their MyMedibank account with their Live Better account to redeem rewards. Excludes Overseas Visitor health cover, Working Visa health cover, Overseas Student Health Cover (OSHC), Ambulance only cover, ahm covers and other selected covers. Additional terms and conditions may apply to the redemption of a reward depending on the type of reward chosen. See full Medibank Live Better terms.

⁶ 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.

⁷ 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.   

⁸ Members' Choice not available in all areas. 

^ 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.

# 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.

€ For new members on new memberships who join and start eligible combined Bronze hospital and extras cover or above from 4 June – 30 June 2024 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 12WEEKSPLUS 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 to Medibank employees. Not available with any other offer. Medibank reserves the right to amend these Terms and Conditions from time to time.

Weeks free terms: Must remain up-to-date with premium payments and hold eligible cover 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 initial 6 weeks free will be applied at the next billing cycle after you have held eligible cover for 42 consecutive days. The subsequent 6 weeks free will be applied at the next billing cycle after you have held eligible cover for 14 months. 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 rewards 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 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 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/