Compare our health insurance

Here are some cover options below, You can refine or expand your search using the filter below.

Prices below are based on

This is used to calculate any Australian Government Rebate (AGR) you may be entitled to.If you’re unsure how to calculate your income, this ATO calculator can help.


We can help - Leave your details and a Medibank expert will contact you to help you find the right cover. In providing your telephone number, you consent to Medibank contacting you about health insurance.

The amount you pay before Medibank contributes to your hospital costs.

The amount you can claim back at Members’ Choice providers, up to annual limits.

The amount you can claim back at any recognised providers, up to annual limits.

^Tasmania and Queensland have State schemes that cover ambulance services for residents of those States.

+For Accidents that occur after your cover starts and for which treatment is sought within 7 days. Excludes claims covered by third parties such as WorkCover and our Private Room Promise. Out of pockets may apply.

#Medibank has Members' Choice providers for these services only. By choosing a Members' Choice provider you are guaranteed to receive the percentage back shown on the cover. 

~Some items and services may require a Referral Letter and may have a benefit replacement period. Please see the Cover Summary or Member Guide for more information.

Not what you're looking for?

Want up to $400 worth of gift cards?

Join eligible Medibank hospital & extras and complete a Live Better goal or challenge to receive: 20,000 points (singles) or 40,000 points (couples/families) to redeem on rewards. Plus - we'll waive your 2&6 month waits on extras. Offer extended to 16 November. New members only.‡ Must use promo code: LIVEBETTER

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Things you should know

! - A Limited Service is a service where we pay the minimum benefit set by the government towards hospital accommodation. If you're treated in a private hospital for a Limited Service, you are likely to incur substantial out-of-pocket expenses because this minimum benefit will not be enough to cover all hospital costs. For Limited services as a private patient in a public hospital we will pay minimum shared room benefits.

‡ Offer extended - for new Medibank members on new memberships who join and start eligible combined hospital and extras from 1 September – 16 November 2021 and have not held Medibank health cover in the previous 60 days (unless a dependent coming off parent's cover). Must quote promo code ‘LIVEBETTER’ and set up direct debit when joining. Must maintain direct debit and hold eligible product for 28 continuous days from the policy start date in order to receive the offer. 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. Live Better Points: Policyholder will require access to a smartphone and will need to download the My Medibank App and complete a Live Better goal or download the Medibank Live Better app, register a new account and successfully complete any one-week challenge or goal within 42 days of joining. Must be 18 years or over and have a valid Australian residential address to register for Medibank Live Better. Policyholder will need to have registered a My Medibank account and linked their My Medibank account with their Live Better account within 42 days after the policy start date. Live Better points could take up to 8 weeks from the policy start date to be loaded to the policyholder’s Live Better account. Singles and single parents will receive 20,000 Live Better Points, and families and couples will receive 40,000 Live Better Points. Rewards terms: 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 MyMedibank account with their Live Better account to redeem rewards. Additional terms and conditions may apply to the redemption of a reward depending on the type of reward chosen. Read full Medibank Live Better terms here: https://www.medibank.com.au/livebetter/rewards/terms/ 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.

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