Why Medibank?
We're Australia's leading health insurer with over 3.7m members and 325k Overseas members.
Protect against the unexpected
Want peace of mind? We offer unlimited emergency ambulance services Australia-wide. ¹
24/7 Medibank Nurse
Need advice? Call us and speak to a Medibank Nurse about your health concerns whenever it suits you.
Trusted Health Partner
Medibank is one of Australia’s leading private health insurer with over 3.7 million members.
The Medibank App
Download the Medibank app and discover how easy it is to use and manage your health insurance. You can view or update your cover details, make a claim, find a members' choice provider and more.
Australian Healthcare system Explained
The private healthcare system (which Medibank is part of) complements the public healthcare system, or if you’re not eligible for Medicare, it replaces it. Medibank provides private health insurance (also known as overseas health cover) to overseas students, visitors and workers to help with the cost of services provided in the private healthcare system. This includes emergency ambulance trips and a range of treatments in a private hospital.
If you need medical attention while you’re in Australia and you don’t have health cover it can be very expensive, whether you’re treated in the public or the private healthcare system.
Medicare is operated through the Australian government and gives Australian residents, and some international visitors, free or discounted health services through the public healthcare system. If you’re from a country with a Reciprocal Health Care Agreement (RHCA) you might receive some Medicare benefits, also known as Reciprocal Medicare.
Working or visiting Australia and ready to get started with health insurance?
Workers
Visitors
Things you should know
‡ Offer commences 1 December 2023 and ends 31 March 2024. For ahm OSHC or Medibank OSHC members whose OSHC policy expires between 1 December 2023 and 30 March 2024 (inclusive). Must join and start eligible Medibank Overseas Workers Health covers by 31 March 2024.
Eligible covers include the following covers only:
- Overseas Workers Base Hospital;
- Overseas Workers Standard Hospital and Medical;
- Overseas Workers Advanced Hospital and Medical Cover;
- Overseas Workers Premium Hospital, Medical and Extras.
Excludes Overseas Visitors Health Cover, all Corporate covers, all residential hospital and extras covers, Overseas Student Health Cover, Ambulance Cover, ahm covers, and any other Overseas Workers Health Covers. Must join, start and maintain eligible Medibank Overseas Workers Health covers by 31st March 2024. Must quote promo code ‘WORKER6’ when joining. Not available if the Policy Holder has already taken up this offer, or they have taken up any other discount offer from Medibank within 12 months from the policy start date. Not available to Medibank employees. Not available with any other offer. Member take up of the offer is deemed acceptance of these Terms and Conditions. Medibank reserves the right to amend these Terms and Conditions from time to time.
6 weeks free terms:
Must keep policy premium payments up-to-date and hold eligible cover for 42 consecutive days from the policy start date to get next 6 weeks free. If you change to an ineligible cover during this period, or you terminate or suspend your cover, 6 weeks free will not be issued.
2 & 6 month waiver terms:
For members joining Overseas Workers Premium Hospital, Medical and Extras Cover, 2&6 month waiting periods on extras will be waived. Other waiting periods may still apply, including 12 months for some dental services. If switching funds, any waiting periods you've already served for comparable extras will generally be recognised if you join Medibank within 2 months of leaving your previous fund. Annual limits on extras apply. If you've reached your limits from a previous fund you may not be able to claim straight away.
Live better terms:
Must keep policy premiums up-to-date and hold eligible cover for 42 consecutive days from the policy start date to be eligible for Live Better rewards points. If you change to an ineligible cover during this period, or you terminate or suspend your cover, the Live Better rewards points will not be issued. Policy Holder will require access to a smartphone and will need to download the My Medibank App and track any Live Better activity within 42 days from the policy start date. Must be 18 years or over and have a valid Australian residential address to register for Medibank Live Better. Policy Holder will need to have registered a My Medibank account and linked their My Medibank account with their Live Better account within 42 days from the policy start date. Live Better rewards points may take up to 10 weeks from your cover start date to be loaded into the Policy Holder’s Live Better account. Must be up-to-date with premium payments when redeeming Live Better rewards points for rewards. Singles and single parents will receive 10,000 Live Better rewards Points, and families and couples will receive 20,000 Live Better rewards Points. Read full Medibank Live Better terms here: https://www.medibank.com.au/livebetter/rewards/terms/
1 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.
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