Why many Australians choose Medibank
Accident Cover Boost
Medibank members with hospital cover get the benefits of gold level cover 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.¹
100% back on dental check-ups twice a year on eligible extras²
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.2
24/7 Medibank Nurse + Mental Health Phone Support
You can speak to a registered nurse or mental health professional at any time of the day or night. Both of these phone lines are available at no extra cost to Medibank members with hospital cover.¹
Members' Choice Network
With over 3,600 provider practices, our Members' Choice extras network is one of the largest in Australia. Our Members’ Choice network generally offers members greater value from their Extras cover, with things such as capped fees or discounts to help reduce out-of-pocket expenses.⁴
Awarded Outstanding Value Health Insurance 18 years running
We're proud to deliver award-winning health insurance products, but don't just take our word for it. Canstar have awarded Medibank an outstanding value award for health insurance in Australia for the 18th year in a row.
Hospital & Extras offer - Want 6 weeks free plus up to $300 in gift cards?
Join and maintain eligible Medibank Hospital and Extras cover and you could get 6 weeks free plus 30,000 Live Better points (couples/families) or 15,000 Live Better points (singles/single parents) to redeem on rewards like gift cards. We’ll also waive 2&6 month waiting periods on eligible extras. New members only.€
My Medibank App
No need to wait! Make a claim directly through the app as soon as you’ve visited your physio, dentist, chiro or any other extras provider. You can even check your service limits, claims history and the status of claims you’ve made.
Live Better, get rewarded
You can earn points by tracking healthy actions or visiting a Members Choice Advantage dentist. And if you're an eligible Medibank member with hospital or extras, these points can go towards rewards from select partners such as adidas or THE ICONIC, as well as select Apple products, extras limit increases or a $200 premium payment.⁵
Switching to Medibank is easy
1. Find your cover
We help you find the health insurance that best suits your needs.
2. Let us do the paperwork
Simple and easy. We’ll cancel your old membership for you.
3. No waiting periods again
There’s no need to re-serve waiting periods you’ve already served with your old fund.⁴
Could you be better off with Medibank?
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 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.
3 OSHC members should call the Student Health & Support Line on 1800 887 283.
4 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.
5 Must be 16 years or over to register for Medibank Live Better rewards in the My Medibank app. 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, and be up-to-date with premium payments. 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. Please choose carefully as rewards will not be amended, cancelled, exchanged or refunded due to change of mind. Points earning activities and rewards are subject to change without prior notice and may be subject to availability. Additional terms and conditions may apply to points earning activities and rewards. See full Medibank Live Better rewards terms. See full Medibank Live Better rewards terms.
€ For new members on new memberships who join and start eligible combined Hospital and Extras cover from 16 December 2025 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. Must have Australian Residency. Excludes Corporate covers, Hospital only cover, Extras only 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 set up direct debit when joining and hold eligible cover for 42 consecutive days from the policy start date to get 6 weeks free. The 6 weeks free will be applied at the next billing cycle after you have held eligible cover for 42 consecutive days. 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. Discounted amount to reflect level of eligible cover at time of discount.
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 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 Medibank 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 15,000 Live Better rewards points, and families and couples will receive 30,000 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/