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Could health insurance be worth it for you?

Make up your own mind, using the information and tools below

Young adults

How much could you save on hospital cover with the new young adult discount?

Select your age below to see the young adult discount that could be applied to one of our eligible hospital products if you’re aged 18-29 and a policy holder or partner.

The discount you receive depends on your age when you first take out an eligible hospital cover and ranges from 10% (if you take out cover between the age of 18 and 26) to 2% (if you take out cover at the age of 29)¹. The discount is ongoing, which means if you keep your eligible hospital cover, your discount remains until you turn 41. From then, the discount will reduce by 2% per year until it reaches zero.

Use our tool below to see how much you could save.  

Medibank Canstar

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're there when you need us


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Mental Health Phone Support

For no extra cost, members with hospital cover² 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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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.³

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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.⁴

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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.

want 6 weeks free?

Join eligible combined hospital & extras cover by 31 October and you could enjoy six weeks free plus 2&6 month waiting periods waived on extras. New members only. ‡ Must use promo code: 6FREE

Get a quote Find out more

How to get the most out of Extras?

Say you were to take out Healthy Start Extras for 12 months for $295pa5 as a single in NSW. Now what? Here’s how you could extract value, once any applicable waiting periods have been served, based on some of the most commonly claimed items.6

100% back on up to two dental check-ups including a clean and fluoride treatment, at a Members’ Choice Advantage dentist — that’s around $320 value. And, should you need bite-wing x-rays, you’ll also get 100% back on those — that’s a further value of at least $50.7

100% back on optical up to annual limits – that's up to the value of $150.8

That’s around $470 or more in claimable value every year, if you simply claim for the commonly claimed items, when you’re only paying $295pa.

For more info on Healthy Start Extras click here.

You do the maths!

Why should I consider hospital cover?

Why should I consider hospital cover?

If your annual income* is over $90,000 as a single (or $180,000 as a couple/family) and don’t have an appropriate level of hospital cover for the full tax year, you may need to pay the Medicare Levy Surcharge.

You can avoid paying this surcharge by taking out hospital cover for the full tax year.

Use our Medicare Levy Surcharge Calculator to do the maths.

*'income' for Medicare Levy Surcharge purposes.

24/7 Mental Health Phone Support

24/7 Mental Health Phone Support

At Medibank, we’re always looking for ways to help our members access the care that they need, when they need it. 

That’s why you have access to Medibank Mental Health Phone Support 24 hours a day, 7 days a week.2

Members with hospital cover can chat to experienced and qualified mental health professionals over the phone to discuss any mental health questions or concerns and get advice on what to do next.

Call 1800 644 325

Using your cover with the Medibank App

Using your cover is easy with the Medibank App

We've made staying on top of your extras cover easy with the My Medibank App.9 Easily check your extras limits, make a claim and find a Members' Choice provider anywhere, anytime. You can even estimate your potential benefits for most extras claims, so you'll know how much you could get back before leaving the house.

Things you should know

1 To be eligible you'll have to have your own policy or a policy with your partner, you can't be a dependent on your parents' policy. If you are on a couple or family policy, the discount is calculated by taking an average of the discount applied to the adults on the hospital cover. So, if one person has a 10% discount and their partner has no discount, or 0%, the discount applied is 5% overall.

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

3 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. 

4 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.

5 Premium calculated based on annual premium for singles cover in NSW with no Lifetime Health Cover loading (LHC) and earning less than $90,000 per annum for income tax purposes.  

6 All items can only be claimed for services which are clinically necessary.

7 Offer is limited to two dental check-ups, cleans and fluoride treatments annually on all extras. Maximum two bitewing x-rays per check-up. Not available in all areas. Check-up value is based on the NSW prices agreed with Members’ Choice Advantage dentists for two dental check-ups, cleans and fluoride treatments per year, per member. Bitewing x-ray value is based on the NSW prices agreed with Members’ Choice Advantage dentists.    

8 100% back on optical at recognised providers, up to annual limits. Excludes lens coatings. Value is based on the full $150 combined annual limit being utilised for optical only. Out of pockets may apply.

9 Not available for OSHC members.

‡ For new members on new memberships who join and start eligible combined hospital and extras from 1 September – 31 October 2020 and who have not held Medibank health cover in previous 60 days unless dependents coming off their parents. Must quote promo code 6Free and set up direct debit when joining. Must maintain direct debit and hold eligible product for 42 continuous days from the policy start date to get next 6 weeks free. 2&6 month waits waived 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. Excludes some Corporate covers, Accident Cover, Ambulance Cover, Overseas Visitors Health Insurance, Overseas Students Health Cover (OSHC), Working Visa Health Insurance, ahm covers and other selected covers. Not available with any other offer.

Have questions?

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