Want 4 weeks free?

Have you been referred to Medibank?

You could get 4 weeks free, plus we will waive your 2&6 month waits on extras when you join eligible combined hospital and extras cover using your friend’s unique referral code*!

Refer a Friend

How does it work?

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Find your cover

Find the health insurance that best suits your needs. Get a quote and join an eligible cover on-line.

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Enter the referral code

In the join form, quote the promocode REFER and input your friend’s 10 digit member referral code.

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Be rewarded

Get 4 weeks free cover after your first 28 days, and skip any 2&6 month waiting periods on extras!*

We're there when you need us


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Mental Health Phone Support

For no extra cost, members with hospital cover¹ can talk with a mental health professional over the phone in relation to any mental health or emotional concern, 24 hours a day 7 days a week.

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24/7 Medibank Nurse

Members with hospital cover can call our phone service to speak to a Medibank nurse about their health concerns at any time of the day or night, at no extra cost.¹

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Accident Cover Boost

Medibank members with hospital cover get the benefits of gold level hospital benefits if they have an Accident in Australia after joining, thanks to our Accidental Injury Benefit. Excludes claims covered by third parties and our Private Room Promise.²

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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.³

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COVID-19 Health Assist

Medibank members with hospital cover can now access personalised health advice from hundreds of healthcare professionals over the phone, at no extra cost. Waiting periods may apply. Suspended policies excluded. 

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Great Value Extras

Members with extras cover can get 100% back on up to two dental check-ups every year, at any Members’ Choice Advantage dentist.⁴ Plus 100% back on optical items, up to your annual limit, at all recognised providers.⁵

Already a Medibank member?

Find out more about our Refer a Friend Program and how you can get $100!*

Switching is easy

Switching your health insurance to one of Australia's leading health funds is easy.


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Let us do the paperwork

Simple and easy. We’ll cancel your old membership for you.

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No need to wait again

There’s no need to re-serve waiting periods you’ve already served with your old fund⁶.

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30 day cooling off period

If you're not completely happy with your cover in the first 30 days of joining, let us know and we'll transfer you to a more suitable cover or refund your premiums (as long as no claims have been made).

Things you need to know

* Friend For new members on new memberships who join eligible Medibank hospital + extras cover. Must provide member referral code, quote REFER and set up direct debit or payroll deduction when joining. Only available for online joins. Not available on Corporate covers, Accident Cover, Ambulance Cover, all overseas covers, ahm covers, and other selected covers. This offer can be changed or withdrawn by Medibank at any time, and the offer will not apply to any joins after the withdrawal date. Not available with any other offer. 4 weeks free: Must maintain direct debit or payroll and hold same eligible cover for 28 continuous days from cover start date before receiving the next 4 weeks free. 2&6 month waiver on extras: 2&6 month waiting periods on extras waived. Other waiting periods apply (including 12 months on some dental services). If you’ve reached your limits from a previous fund you may not be able to claim straight away.

Current Member For current Medibank members (who are a member at the time the gift card is sent), who refer a ‘friend’ where their friend quotes your unique referral code and the promo code REFER at the time of online join. An eligible referral is made if the friend joins eligible Medibank hospital + extras cover during the offer period, the friend maintains the eligible cover for at least 30 continuous days and meets all other eligibility criteria. Referral payments will be capped to 5 within a calendar year and reset from 1 January each year. The maximum referral payment per member in a calendar year will be $500 worth of Eftpos gift cards. The member cannot share any part of the referral payment with the ‘friend.’ This offer can be withdrawn by Medibank at any time, and the offer will not apply to any joins after the withdrawal date. The $100 Eftpos gift card will be payable, only if the referred ‘friend’ meets all applicable eligible terms and conditions. Not available with any other offer. Eftpos gift card terms: Card will be posted to the address linked to your membership record and take up to 8 weeks to arrive from the time the friend joins eligible cover and meets the eligibility criteria. Member will receive an Eftpos card valued at $100 per eligible referral. Card must be activated within 3 months of issue and is valid for 12 months from activation. Card T&Cs apply: http://www.giftcardplanet.com.au/eftpos-cardholder-terms Your gift card and relevant instructions on activating the card online will be posted to you.

¹ OSHC members should call the Student Health and Support Line on 1800 887 283

² 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 claims covered by third parties and our Private Room Promise. Out of pockets may apply.  

³ 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.

⁴ Limited to two dental check-ups on all extras annually. Maximum two bitewing x-rays per check-up, where clinically needed. Two month waiting period may apply. Not available in all areas.

⁵ Waiting periods apply. Some services, like lens coating, aren’t included.

⁶ 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.

Have questions?

Our team of experts are ready to help!

Enter your postcode to find your nearest store to have a face-to-face chat!

Fill in the form below or get in touch by calling our dedicated line 1300 110 086.
We are open on Sundays.

In providing your telephone number, you consent to Medibank contacting you about health insurance.

We'll have someone call you soon to help with any questions you have.

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