Our cover is designed to be used.

Things you should know

^< Must be a Medibank member with a resident Hospital or a Hospital & Extras policy.

^ 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.

^± Excludes Healthy Living Extras. Applies to prescription glasses and select contact lenses. Some lens coatings are excluded. 6 month waiting period applies.

^$ Members' Choice providers are not available in all areas and may change without notice. Waiting periods apply. Up to annual limits.

⁼ 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 dentist (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.

^¥¥ Some referred services may involve out of pocket costs and waiting periods may apply.

^@ 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.

^& Must be 16 years or over to register for Medibank Live Better Rewards. Some program partners and earning activities require a person to be at least 18 years of age to be eligible to earn and/or redeem a reward. 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 Rewards in the My Medibank app to earn Live Better points for eligible purchases and redeem rewards. Excludes Overseas Student Health Cover (OSHC), Ambulance only cover, ahm covers and other selected covers. Live Better Management Pty Ltd, ACN 003 457 289 has entered into commercial arrangements with Medibank Live Better program partners and may receive commissions. Additional terms and conditions may apply to points earning activities and rewards. Points earning activities and rewards are subject to change and may be subject to availability. Wherever possible, we will give you notice of these changes. See full Medibank Live Better Rewards terms.

** 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.

* Eligible members participating in Medibank’s No Gap program could pay no out-of-pocket costs for included services and treatments your hospital stay, so long as your procedure is included in the program and your procedure is performed by a participating specialist at a participating hospital. An excess or co-payment may still be payable, depending on the cover a member has chosen and whether they are claiming under their hospital cover for the first time in a calendar year. The Medibank Member Guide and Fund Rules set out hospital benefit exclusions, which apply to all hospital admissions for Medibank members. There may be out-of-pocket expenses associated with outpatient appointments, such as your initial visit with a participating surgeon in their consulting rooms.

^? Winner of Mozo’s 2023 Expert Choice Award for: Exceptional Quality Travel Insurance; Exceptional Quality Travel Insurance Annual Multi-Trip; and Exceptional Value Annual Multi-Trip. Winner of Canstar’s 2023 Most Satisfied Customers – Travel Insurance Award. Limits, sub-limits, exclusions and conditions apply. This is general advice only. Medibank Private Limited, ABN 47 080 890 259, an Authorised Representative, AR 286089, of Travel Insurance Partners Pty Limited, ABN 73 144 049 230 AFSL 360138 arranges the insurance on behalf of the insurer. The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507. Please consider your own needs and the Combined FSG/PDS to decide if this product is right for you. For information on the Target Market and Target Market Determinations, visit medibank.com.au/travel-insurance/help/

^! Gym discount: 20% gym discount with Fitness First and Good Life Health Clubs applies to new, full price 12 & 18 month Platinum memberships purchased by eligible Medibank members with hospital or extras cover. 15% discount applies to full-priced 12 or 18 month Platinum Plus memberships or any 12 or 18 month membership at Zap Fitness. Not available in conjunction with any other offers or discounts. To obtain the discount, simply present your photo ID and Medibank Membership Card when signing up at any participating gym. The name and email address used to sign up at the gym or online must exactly match the details attached to your Medibank account in order to earn Live Better Rewards points for attending the gym. Existing gym members wishing to take up this offer will need to re-join on a new 12 or 18 month membership, applying the Medibank promo code in order to receive the offer benefits. By signing up to this offer you permit Fitness & Lifestyle Group to share your personal information (including name, date of birth, contact details, gym location and gym attendance records) with Medibank and Live Better Rewards. Medibank and Live Better Rewards will collect this information to assess your eligibility for Live Better Rewards points, award the Live Better Rewards points and to monitor uptake of the Live Better Rewards program. If you elect not to share this information you will not be eligible for the discounted gym membership or Live Better points. Medibank’s Privacy Policy (https://www.medibank.com.au/livebetter/rewards/terms/) contains information about how you can seek access to, and correction of, your personal information, or make a complaint about a breach of the Australian Privacy Principle. Full gym membership terms and conditions can be found at Fitness First, Goodlife or Zap Fitness. This offer may be withdrawn at any time.