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.

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.

New season. New sunnies. No worries.

For a limited time only, join eligible Medibank Hospital and Extras cover and get a Specsavers e-gift card: $200 for singles, $400 for couples/families. Plus, we’ll waive your 2&6 month waiting periods on extras. Offer ends 7 December. New members only.~ Use promo code: SPECSAVERS2020

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 between 27 November – 7 December 2020 and who have not held Medibank health cover in previous 60 days. Must quote promo code SPECSAVERS2020 and set up direct debit when joining. Excludes Accident Cover, Ambulance Cover, Visitors Health Insurance, Working Visa Health Insurance, OSHC, ahm covers, Corporate covers and other selected covers. 2 & 6 waiver terms: 2 and 6 month waiting periods on extras waived. Other waiting periods apply. If you’ve reached your limits from a previous fund you may not be able to claim straight away. Not available with any other offer. Prepaid digital Mastercard® (Specsavers E-Gift Card) terms: Must maintain eligible cover and direct debit for 40 consecutive days after the policy start date. Gift card could take up to 8 weeks from the policy start date to arrive via SMS to the phone number provided on the Medibank policy. Specsavers E-gift card is not a credit card and is not reloadable. The Card is valid until the expiry date shown on the front of the Card and cannot be used after expiry. EML Payment Solutions Limited ABN 30 131 436 532 (Australian Financial Services License 404131) is the issuer of the Gift Card pursuant to license by Mastercard Asia/Pacific Pte. Ltd. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Eligible Customers will receive an activation code from Edge Loyalty in accordance with these Terms. If the Eligible Customer has a supported Apple or Android smart phone, the Eligible Customer will: a) Receive a text message from Edge Loyalty (at the number provided) with an activation code (Activation Code) and link to the Mobile Pay website, operated by Edge Loyalty . b) Click the link in the text message that will lead the Eligible Customer to the Mobile Pay Website and proceed to download and install the Mobile Pay app, an application owned and operated by Edge Loyalty. c) Follow the prompts to enter their mobile number and the Activation Code (as found in the text message to redeem the Gift Card). d) Follow the prompts to add the Gift Card to their mobile wallet. If the Eligible Customer does not have a supported Apple or Android smart phone, the Eligible Customer will be sent an incompatible alert (Incompatible Notification) and will be prompted to visit a webpage to make a Customer Claim to receive an alternative reward, being a physical prepaid eftpos® gift card. The full terms and conditions relating to the physical prepaid eftpos® Gift Card are available at The eftpos prepaid gift card is issued by EML Payment Solutions Limited ABN 30 131 436 532 AFSL 404131. Please visit to review the card terms and conditions, to check the card expiry and the card balance. An Eligible Customer must activate their Gift Card within two (2) months of the date of issue (Issue Date). The Gift Card is valid for twelve (12) months from the Issue Date. If the Gift Card has not been activated or redeemed within the prescribed time frames set out above, the balance will be forfeited. No refunds, exchanges or credits permitted. E-Gift Cards must be activated within 2 months of issue by following the link to access Mobile Pay via the App store. E-Gift card is valid for 12 months from date of activation. For full terms and conditions on activating and using your card see The E-Gift Card can be used to make transactions that exceed the available balance, but the Eligible Customer will need to pay the difference by another method if accepted by the merchant where the transaction takes place. Full terms and conditions can be found at:

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