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.
Want more from your Hospital cover?
The benefits available on our Silver Plus Hospital covers are designed to help you stay out of Hospital, pay benefits towards Hospital services and to help you recover at home.
Medibank Health Programs
Where clinically appropriate, eligible Medibank members can access a range of health programs designed to help manage their health conditions and provide access to more affordable care options.1
Hospital Benefits
Getting Hospital cover allows you to receive benefits for treatment you receive in Hospital as a private patient. Our Silver Plus Hospital covers are a step up from Bronze, and pay benefits towards services such as heart & vascular, lung & chest and more.2
Medibank at Home
With your doctor's support, eligible members can choose whether a treatment is delivered in the Hospital or home, with a range of services, such as rehabilitation and chemotherapy.3
Explore our Silver Plus Hospital range
The amount you pay before Medibank contributes to your hospital costs.
Waiting periods and annual limits may apply.
Hospital & Extras offer - Want 6 weeks free and up to $500 in gift cards?
Join and maintain eligible Bronze hospital and extras cover or above and you could get 6 weeks free plus 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: 6WEEKSPLUS. Offer ends 31 July 2024. New members only.€
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Want more options during an emergency?
We now pay towards the admission fee charged for attending an Emergency Department at a Private Hospital on our Silver Plus Support and above Hospital covers. The Private Emergency Department 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.
What sets Medibank apart?
As a Medibank Hospital member, your cover will also include all of the below benefits - at no extra cost.
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.^
24/7 Medibank Nurse + Mental Health support
Health concerns keeping you up at night? You can speak to a registered nurse or mental health professional over the phone about a general health or emotional concern, any time of the day or night.4
No Hospital excess for kids
One less worry with no Hospital excess for kids on all family covers.5
Looking to keep your kids on a family cover?
We've increased the maximum age for Dependants from 24 to 30. This means eligible Dependants could stay on your eligible residential family policy until they turn 31, provided they are not married or living in a de facto relationship. For the first Dependant aged 21 and over there is an additional loading fee, unless they are studying full time at an Australian Educational Institution.6
If your Dependant is between the ages of 18-29, don't forget to consider the ongoing benefits of the Young Adult Discount which is available to them when they take out their own eligible Hospital cover.7
Every family is different. Get in touch to see what is best for you and your Dependants.
Things you need to know
1 Must have eligible hospital cover and meet clinical eligibility criteria. All relevant waiting periods must have been served and treating doctor must consider it clinically appropriate. Out of pocket expenses may apply.
2 Waiting periods apply.
3 Must have eligible hospital cover, all relevant waiting periods must have been served and treating doctor must consider it clinically appropriate. Participation is subject to availability. Out of pocket expenses may apply. Chemotherapy, palliative, infusion and dialysis program not available in all areas.
4 OSHC members should call the Student Health & Support Line on 1800 887 283.
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.
7To 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.
>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.
^ 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 schemes that provide ambulance services for residents of those States.
## 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.
€ For new members on new memberships who join and start eligible combined Bronze hospital and extras cover or above from 1 July – 31 July 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 ‘6WEEKSPLUS’ 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.
6 weeks free terms: Must maintain direct debit and hold eligible cover for 42 consecutive days from the policy start date to get next 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.
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 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/