Frequently asked questions

Why should I stay with Medibank?

We want you to make the most of your cover, so did you know as a Medibank member you can:

And depending on what's included in your policy (check your cover summary to find out more), you may also be able to access the following: 

Members with Extras cover 

  • 100% back on up to two dental check-ups at a Members’ Choice Advantage dentist every calendar year, including x-rays. 2 month waiting period applies.1
  • 100% back on optical items like frames, prescription glasses, contacts and more at all recognised providers, up to your annual limits.2

Members with Hospital cover 

  • 24/7 Medibank Mental Health Phone Support -  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.3
  • Hospital Assist -  personalised phone support before and after a stay, digital info packs, access to the 24/7 Medibank Nurse phone service and our Procedure Cost Estimator.

Members with Hospital and Extras cover 

  • Unlimited emergency ambulance4
  • Accidental Injury Benefit - you’ll be eligible for Gold level hospital benefits if you have an Accident, regardless of your level of hospital cover.5

Things you should know

1Limited 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.

26 month waiting period applies. Some lens coatings excluded.

3OSHC members should call the Student Health & Support Line on 1800 887 283

4Waiting periods apply. 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. TAS and QLD have State schemes that provide ambulance services for residents of those States. 

5For 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 Overseas Visitor health cover, Working Visa health cover and Overseas Student Health Cover (OSHC)  Excludes claims covered by third parties and our Private Room Promise. Out of pockets may apply. 

* Based on the number of policies set out in APRA’s Operations of Private Health Insurers Annual Report 2021 for Medibank Private Limited.

** Must be 16 years or over to register for Medibank Live Better rewards in the My Medibank app. Some program partners and earning activities require a person to be at least 18 years of age to be eligible to earn and/or redeem a reward. Must be a Medibank member with hospital cover, extras cover, or hospital and extras cover, and be up-to-date with premium payments. Excludes Overseas Student Health Cover (OSHC), Ambulance only cover, ahm covers and other selected covers. Live Better Management Pty Ltd, ACN 003 457 289 has entered into commercial arrangements with Medibank Live Better program partners and may receive commissions. Please choose carefully as rewards will not be amended, cancelled, exchanged or refunded due to change of mind. Points earning activities and rewards are subject to change without prior notice and may be subject to availability. Additional terms and conditions may apply to points earning activities and rewards. See full Medibank Live Better terms.

^ Medibank Live Better Challenges & Goals Earning Policy: The participant of a Medibank Live Better Challenge or Goal may not receive Live Better rewards points or may have their already credited Live Better rewards points reversed in accordance with the Medibank Live Better terms and conditions. To earn Live Better rewards points, the participant needs to properly complete 100% of the eligible Challenge according to the instructions. The number of Live Better points available for Medibank Live Better Challenges and Goals is subject to change without prior notice. The maximum number of Live Better rewards points that each Medibank Live Better member can earn from successfully completing health and wellbeing Challenges, Goals or any Onboarding action in a calendar year is 40,000 Live Better rewards points. To the extent of any inconsistency between this Policy and the Medibank Live Better terms and conditions, the terms and conditions will take precedence.

= Eligible members on Medibank extras (excluding Healthy Living Extras and Gold Ultra Health) can claim a maximum of two 100% back dental check-ups per member, per year at a Members’ Choice Advantage provider (including bitewing x-rays where clinically required). For members on eligible extras, the first two check-ups do not count towards your annual limit. Members with Healthy Living Extras can get 100% back on one dental check-up each year at a Members’ Choice Advantage provider (including up to two bitewing x-rays, where clinically required) or at a Members’ Choice provider (excluding x-rays). Members with Gold Ultra Health can get 100% back on up to three dental check-ups at a Members’ Choice or Members’ Choice Advantage provider. Members’ Choice and Members’ Choice Advantage providers are not available in all areas. Two month waiting period applies. Some products may have other dental benefits, check your cover summary for details.

± Excludes Healthy Living Extras and select products that are no longer available for sale (for more information check your cover summary or check this page). Applies to prescription glasses and select contact lenses. Some glasses lens coatings and contact lenses are excluded. To find which specific items are included or excluded, call us on 132 331. 6 month waiting period applies.

1 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.  

2 OSHC members can call the Student Health & Support Line on 1800 887 283.

3 Some referred services may involve out of pocket costs and waiting periods may apply.