Getting started
There may be different times in your life when you need to think about health insurance, but it may be complicated if you're new to it or your circumstances are changing.
This guide will help answer your questions.
How Medibank can support you
Accident cover boost
Medibank members with hospital cover get the benefits of Gold level cover no matter what level of hospital cover you have, thanks to our Accident Injury Benefit.¹
24/7 Medibank Nurse phone service
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.²
100% back on dental check-ups twice a year on eligible extras³
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.³
100% back on optical on eligible extras⁴
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.⁴
Keen to know more?
Below are some helpful links to help you understand and how to use your health cover.
The basics
What is Hospital and Extras Cover?
What's the difference between health insurance and Medicare?
Canstar awarded ‘Outstanding Value Insurance’ 12 years in a row
We’re proud to deliver outstanding value health insurance products designed to suit your needs. But don’t just take our word for it.
We've been helping Australians find better health for over 40 years
Switching from another fund?
Join the 3.7 million other members who have chosen Medibank to support their health and wellbeing. It’s simple and easy to switch, and you’ll have cover where you’ve already served waiting periods with another insurer. Learn more
Live Better
We know caring for yourself impact everyone around you. That's why we've created Live Better, to help you towards a better, healthier life.
Procedure cost estimator
Find out about the costs involved in treatment of common hospital procedures.
Things you should know
¹ 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.
² OSHC members should call the Student Health & Support Line on 1800 887 283.
³ 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.
⁴ 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.