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?
As one of Australia’s leading health insurers1 with over 45 years of experience, we understand the importance of better health for better lives. 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.2
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.3
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.4
Explore our Silver Plus Hospital range
As we move through life our health priorities and needs change, and so must our health cover. Explore our Silver Plus Hospital range that pays benefits towards a wide variety of Hospital services, including heart & vascular, lung & chest and more.
*Prices below are based on
This is used to calculate any Australian Government Rebate (AGR) you may be entitled to.If you’re unsure how to calculate your income, this ATO calculator can help.
We can help - Leave your details and a Medibank expert will contact you to help you find the right cover. In providing your telephone number, you consent to Medibank contacting you about health insurance.
The amount you pay before Medibank contributes to your hospital costs.
Waiting periods and annual limits may apply.
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.
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. New members only.€ Use promo code: 6WEEKSPLUS
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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.5
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.6
No Hospital excess for kids
One less worry with no Hospital excess for kids on all family covers.7
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 Extras cover could benefit you:
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.^^
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.*
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.# With over 3700 provider locations, our Members' Choice Extras network is one of the largest in Australia.
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.8
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.9
Every family is different. Get in touch to see what is best for you and your Dependants.
Be rewarded for healthy living
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.##
Things you need to 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 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.
3 Waiting periods apply.
4 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.
5 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.
6 OSHC members should call the Student Health & Support Line on 1800 887 283.
7 Other out–of–pocket expenses may apply.
8 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.
9 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.
>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.
^ Tasmania and Queensland have state schemes that cover ambulance services for residents of those States.
^^ 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.
# Members' Choice not available in all areas.
& 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 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 22 April 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 Hospital only cover, Extras only cover, Basic covers, Corporate covers, Accident Cover, Ambulance Cover, Overseas Visitors Cover (OVC), Overseas Students Health Cover (OSHC), Overseas Workers Health cover, Travel Insurance, Pet Insurance, Funeral Insurance, Life Insurance & Income Protection, ahm covers and all corporate covers. Not available with any other offer. Medibank may end this offer or amend these offer terms and conditions at any time without notice. Medibank employees are not eligible for this offer.
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). 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 points terms: Must maintain direct debit and hold eligible product for 42 consecutive days from the policy start date to receive Live Better 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 any Live Better activity within 42 consecutive days from the policy start date. Policyholder must also maintain direct debit and continue to hold an eligible product for 42 consecutive days from the policy start date to receive the Live Better points. Must be 16 years or over and have a valid Australian residential address to register for Medibank Live Better. Live Better 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 points, and families and couples will receive 50,000 Live Better 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 Medibank 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/