Get more from your health insurance

Helpful information on how to manage, use and understand your health insurance.

Understanding health insurance

Have you been making the most of your cover?

Here are just some of the benefits and support services we offer our members. If you want to know more about your specific cover, you can find your information on My Medibank or give us a call on 132 331.

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100% back on dental check-ups twice a year on eligible extras=

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.=

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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.±

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24/7 Medibank Nurse Support

We're always looking for ways to help our members, that’s why all Medibank health insurance members have access to 24/7 Medibank Nurse Support, at no extra cost.<

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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.+

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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.< No matter how small, we’re always on call to be your guide when you need it.

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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.^

Find out more about your health insurance

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Let's talk about your cover

One of our team can review your health insurance to check whether your cover is still the right fit for your current needs and budget.

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Financial difficulties

We understand many Australians have been doing it tough. If you’re experiencing financial stress, we may have options that can help.

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Payment methods

Keep missing payment due dates by accident? We have many ways to pay your premiums. Find the one that works for you.

Help and Support

Contact Medibank when and how it suits you; through the My Medibank app, online, by phone or in store. 

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Login to My Medibank

Manage your cover on the go via My Medibank or via the app.

Login to My Medibank

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Message us

Don't have time to call? Message our friendly staff online for advice and help with your cover.

Message us

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Call us on 132 331

Speak to one of our friendly staff about your cover and going to hospital.

Call 132 331

Things you should know

= 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.

± 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.

< Some referred services may involve out-of-pocket costs and waiting periods may apply.

+ 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.

^ Waiting periods apply. 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 scheme that provide ambulance services for residents of those States.