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’ 13 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 Medibank?


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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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Live Better with Medibank

With Live Better Rewards you can earn points by tracking healthy actions. And if you're an eligible Medibank member with hospital or extras, these points can go towards rewards from select partners such as adidas and Fitbit, as well as select Apple products, extras limit increases or a $200 premium payment.⁵

Live better with 6 weeks free

Join eligible combined hospital & extras cover by June 30 and get 6 weeks free. Plus - we'll waive 2&6 month waiting periods on extras. New members only.‡ Use promo code: 6FREE

Get a quote Find out more

Get the most out of your extras


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100% back on up to two dental check-ups each year

Here's something to smile about - all Medibank members with extras cover get 100% back on up to two dental check-ups every year, including x-rays, at any Members' Choice Advantage dentist.⁶

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100% back on optical

Everyone deserves to see the world clearly. That’s why when you join Medibank extras you get 100% back on most optical items at all recognised providers up to annual limits.⁷

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 Must be 18 years or over and have a valid Australian residential address to register for Medibank Live Better. 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 with ‘My Medibank’ or have linked their My Medibank account with their Live Better account to redeem rewards. Excludes Overseas Visitor health cover, Working Visa health cover, Overseas Student Health Cover (OSHC), Ambulance only cover, ahm covers and other selected covers. Additional terms and conditions may apply to the redemption of a reward depending on the type of reward chosen. See full Medibank Live Better terms. 

6 Limited to two dental check-ups on all extras annually. Maximum two bitewing x-rays per check-up, where clinically needed. Not available in all areas.

7 Some lens coatings excluded. If switching from another fund, annual limits used at your previous fund may be deducted and your may not be able to claim straight away.  

Not available for OSHC members.

‡ Offer extended - For new members on new memberships who join and start eligible combined hospital and extras from 1 March – 30 June 2021 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 6FREE and set up direct debit when joining. Excludes 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. 6 weeks free: Must maintain direct debit and hold eligible product for 30 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.

Have questions?

Our team of experts are ready to help!

Enter your postcode to find your nearest store to have a face-to-face chat!

Fill in the form below or get in touch by calling our dedicated line 1300 110 086.
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