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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.
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
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.
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.
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