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^# 'Income’ and 'dependants' for Medicare Levy Surcharge purposes only. Learn more.

^ 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.

⁺ 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.

! 20% off gym discount: 20% gym discount with Fitness First and Good Life Health Clubs applies to new, full price 12 & 18 month Platinum memberships purchased by eligible Medibank members with hospital or extras cover. The 20% discount with Zap Fitness applies to any 12 or 18 month membership. Not available in conjunction with any other offers or discounts. To obtain the discount, simply present your photo ID, Medibank Membership Card and the partner offer page within the My Medibank app when signing up at any participating gym. The name and email address used to sign up at the gym or online must exactly match the details attached to your Medibank account in order to earn Live Better points for attending the gym. By signing up to this offer you permit Fitness & Lifestyle Group to share your personal information (including name, date of birth, contact details, gym location and gym attendance records) with Medibank and Live Better. Medibank and Live Better will collect this information to assess your eligibility for Live Better points, award the Live Better points and to monitor uptake of the Live Better program. If you elect not to share this information you will not be eligible for the discounted gym membership or Live Better Points. Medibank’s Privacy Policy (https://www.medibank.com.au/livebetter/rewards/terms/) contains information about how you can seek access to, and correction of, your personal information, or make a complaint about a breach of the Australian Privacy Principle. Full gym membership terms and conditions can be found at https://www.fitnessfirst.com.au/terms-and-conditions/, https://www.goodlife.com.au/terms-and-conditions/ or https://www.zapfitness.com.au/terms/. This offer may be withdrawn at any time. 

≈ Live Better Rewards: Must be 16 years or over to register for Medibank Live Better rewards. 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 with My Medibank 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 rewards 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. 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. See full Medibank Live Better rewards terms.

% Live Better Rewards points: Live Better Rewards members could earn up to 40,000 Live Better Rewards points each calendar year for successfully completing select Live Better Rewards points-earning activities. These activities include, but are not limited to, health and wellbeing challenges, the Weekly Goal, onboarding actions, partner activity earn and the daily auto-tracking bonus. This does not include points earned by shopping with Live Better Rewards partners or visiting Members' Choice Advantage providers. 40,000 Live Better points could be redeemed for up to $400 worth of rewards from the Live Better Rewards store. 

^⚭ Hospital only offer: For new members on new memberships who join and start eligible cover or above from 5 March 2026 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 HOSP6WEEKS and set up direct debit when joining. Excludes combined Hospital and Extras cover, Extras only cover, Corporate covers, Ambulance cover, Overseas Visitors Health cover, Overseas Workers Health cover, Overseas Students Health cover (OSHC), ahm covers, and other selected covers. Must have Australian residence. 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 maintain direct debit and hold eligible cover for 42 consecutive days from the policy start date to get 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.

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 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 10,000 Live Better rewards points, and families and couples will receive 20,000 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/