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Medibank Basic Accident and Ambulance
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Basic Hospital cover with minimal inclusions that aim to support you during an accident or emergency.
View detailsMedibank Basic Everyday Starter
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No frills, no fuss cover with limited Extras and Accident-only Hospital cover.
View detailsMedibank Basic Plus Healthy Start
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Entry-level Hospital cover to support the young and healthy through core services.
View detailsMedibank Basic Plus Healthy Start and Healthy Start Extras
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Hospital cover designed to meet the needs of the young and healthy combined with Extras Cover with the added flexibility in how you use your Extras.
View detailsMedibank Basic Plus Healthy Start and Essential Extras
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Hospital cover designed to meet the needs of the young and healthy combined plus cover for some of the more-commonly used Extras.
View detailsMedibank Basic Plus Healthy Start and Top Extras
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Hospital cover designed to meet the needs of the young and healthy combined plus get more of a safety net with your Extras with services like Major dental.
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Wallet-friendly Hospital cover that can help you feel protected and support your active lifestyle.
View detailsMedibank Bronze Plus Value and Healthy Start Extras
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Combine flexible extras better suited for the young and healthy with wallet-friendly hospital cover that can help you feel protected and support your active lifestyle.
View detailsMedibank Bronze Plus Value and Essential Extras
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Wallet-friendly hospital cover that can help you feel protected and support your active lifestyle combined with some of our more commonly used extras.
View detailsMedibank Bronze Plus Value and Growing Family Extras
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Combine Extras cover for families offering some pregnancy support with wallet-friendly hospital cover that can help you feel protected and support your active lifestyle.
View detailsMedibank Bronze Plus Value and Top Extras
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Combine one of our most comprehensive extras covers with wallet-friendly hospital cover that can help you feel protected and support your active lifestyle.
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Value-seekers’ Hospital cover with services to help support your family’s health and wellbeing.
View detailsMedibank Bronze Plus Support and Healthy Start Extras
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Combine flexible extras better suited for the young and healthy with value-seekers’ hospital cover with a wide range of services to help support your family’s health and wellbeing.
View detailsMedibank Bronze Plus Support and Essential Extras
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Value-seekers’ hospital cover with a wide range of services to help support your family’s health and wellbeing combined with some of our more commonly used extras.
View detailsMedibank Bronze Plus Support and Growing Family Extras
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Value-seekers’ hospital cover with a wide range of services to help support your family’s health and wellbeing combined with Extras cover for families offering some pregnancy support.
View detailsMedibank Bronze Plus Support and Top Extras
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Combine one of our most comprehensive extras cover with value-seekers’ hospital cover with a wide range of services to help support your family’s health and wellbeing.
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Mid-level Hospital cover with common hospital services and access to tailored health programs if you’re eligible.
View detailsMedibank Silver Plus Core and Healthy Start Extras
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Combine our entry level Extras with our entry to Silver Hospital which includes heart & vascular, lung & chest, and more. Plus – if you’re eligible, you’ll have access to tailored health programs to help you feel more in control of your health.
View detailsMedibank Silver Plus Core and Essential Extras
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Combine some of our more commonly used Extras with our entry to Silver Hospital which includes heart & vascular, lung & chest, and more. Plus – if you’re eligible, you’ll have access to tailored health programs to help you feel more in control of your health.
View detailsMedibank Silver Plus Core and Growing Family Extras
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Combine Extras cover that supports your growing family with our entry to Silver Hospital which includes heart & vascular, lung & chest, and more. Plus – if you’re eligible, you’ll have access to tailored health programs to help you feel more in control of your health.
View detailsMedibank Silver Plus Core and Top Extras
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Combine one of our most comprehensive Extras covers with our entry to Silver Hospital which includes heart & vascular, lung & chest, and more. Plus – if you’re eligible, you’ll have access to tailored health programs to help you feel more in control of your health.
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Quality Hospital cover with a wide range of services that may offer more options during an accident or emergency.
View detailsMedibank Silver Plus Support and Healthy Start Extras
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Combine our entry level Extras with Hospital cover that pays benefits towards a wide range of services including heart & vascular, rehabilitation and more.
View detailsMedibank Silver Plus Support and Essential Extras
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Combine some of our more commonly used Extras with Hospital cover that pays a benefit toward a wide range of services such as heart & vascular, rehabilitation and more.
View detailsMedibank Silver Plus Support and Growing Family Extras
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Combine Extras cover that supports your growing family with Hospital cover that pays a benefit towards a wide range of services such as heart & vascular, rehabilitation and more.
View detailsMedibank Silver Plus Support and Top Extras
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Combine one of our most comprehensive Extras covers with Hospital cover that pays a benefit towards a wide range of services such as heart & vascular, rehabilitation and more.
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Comprehensive Hospital cover to support your body as it gets older including joint replacements, cataracts and more.
View detailsMedibank Silver Plus Secure and Healthy Start Extras
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Combine our entry level Extras with comprehensive Hospital cover to support your body as it gets older, including joint replacements, heart & vascular, and cataracts.
View detailsMedibank Silver Plus Secure and Essential Extras
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Combine some of our more commonly used Extras with a comprehensive Hospital cover to support your body as it gets older, including joint replacements, heart & vascular, and cataracts.
View detailsMedibank Silver Plus Secure and Growing Family Extras
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Combine Extras cover that supports your growing family with comprehensive Hospital cover that will support your body as it gets older, including joint replacements, heart & vascular, and cataracts.
View detailsMedibank Silver Plus Secure and Top Extras
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Combine one of our most comprehensive Extras covers with a comprehensive Hospital cover to support your body as it gets older, including joint replacements, heart & vascular, and cataracts.
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Get the confidence of knowing you have our top-level Hospital cover with comprehensive in-hospital services.
View detailsMedibank Gold Protect and Healthy Start Extras
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Combine our entry level Extras with our top-level Hospital cover that includes pregnancy and birth, weight loss surgery and more.
View detailsMedibank Gold Protect and Essential Extras
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Combine some of our more commonly used Extras with our top-level Hospital cover that includes pregnancy and birth related services, weight loss surgery and more.
View detailsMedibank Gold Protect and Growing Family Extras
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Combine Extras cover that supports your growing family with our top-level Hospital cover that includes pregnancy and birth related services, weight loss surgery and more.
View detailsMedibank Gold Protect and Top Extras
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Combine one of our most comprehensive Extras covers with our top-level Hospital cover that includes pregnancy and birth related services, weight loss surgery and more.
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No compromise cover with both Hospital and Extras, created for those who don't want to leave anything to chance. It's our highest level of cover.
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Flexible Extras cover with combined limits so you can invest in your health while you’re young.
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Practical Extras cover with access to common services that can help you prioritise your health.
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Extras cover better suited to families with some support during the pregnancy journey.
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One of our most comprehensive Extras covers with various claim back options to suit your budget.
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periods and annual limits may apply.
‡ We pay limited benefits for Restricted services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For Restricted services in a Public hospital we will pay minimum shared room benefits.
^ Waiting period applies. 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.
= 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.
# Medibank has Members' Choice providers for these services. Not available in all areas.
~ 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.
+ 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 Private Emergency Department Benefit, hospital bonus, claims covered by third parties and our Private Room Promise. Out-of-pocket costs may apply. For Gold hospital covers, Accident Cover Boost is not required because all clinical categories are Included, regardless of whether or not the treatment is required as a result of an Accident.
> Two month waiting period applies. We'll pay a benefit up to an annual limit per membership towards any admission fee ("facility fee") charged by the Private Hospital for patients attending a Private Accident and Emergency Department. The fee amount varies by Private Hospital and does not include medical and other charges (such as charges for diagnostic imaging or pathology), so out of pocket expenses may still apply. Only available at Private Hospitals with an Accident and Emergency Department. Members will need to submit a claim to receive the benefit and may have to pay upfront.
¶ Counsellors must be registered with Australian Counselling Association, Psychotherapy and Counselling Federation of Australia, Australian Traditional Medicine Society. Mental Health Social Workers must hold a mental health accreditation by the Australian Association of Social Workers. Medibank will pay benefits towards pharmacogenetic tests for all conditions. Benefits will only be paid towards pharmacogenetic tests administered in-person, or for approved home kits where supporting documentation from a medical practitioner outlining the clinical purpose is supplied.
Benefits of Medibank couples cover
100% back on dental check ups twice a year on eligible extras1
With eligible extras cover you get 100% back on up to two check-ups each year at a Members' Choice Advantage dentist (including bitewing x-rays where clinically required).¹
Accident Cover Boost
If you have an Accident, you’ll have access to all clinical categories included in Gold level hospital cover, no matter what level of hospital cover you have, thanks to our Accident Cover Boost.2
Unlimited Emergency Ambulance
No matter which hospital or extras policy you choose, you’ll have the peace of mind knowing that your cover includes Unlimited Emergency Ambulance.3
Hospital & Extras offer - Want up to 12 weeks free plus up to $500 in gift cards?
Join and maintain eligible Bronze hospital and extras cover or above and you could get up to 12 weeks free plus 50,000 Live Better points (couples and families) or 25,000 Live Better points (singles and single parents) to redeem on rewards like gift cards. We'll also waive 2&6 month waiting periods on extras. Use promo code: 12WEEKSPLUS. Offer ends 15 July 2025. New members only.€
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Want greater flexibility & choice with your cover?
Then how about building your own extras cover with Medibank's new My Choice Extras?
€ For new members on new memberships who join and start eligible combined Bronze hospital and extras cover or above from 14 May – 15 July 2025, AEST 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 12WEEKSPLUS and set up direct debit when joining. Must have Australian residence. Excludes Basic cover, Corporate covers, Hospital only cover, Extras only cover, Accident Cover, Overseas Visitors Health Cover, Overseas Workers Health Cover, Overseas Students Health Cover (OSHC), Ambulance Cover, ahm covers, and other selected covers. Not available to Medibank employees. Not available with any other offer. Medibank reserves the right to amend these Terms and Conditions from time to time.
Weeks free terms: Must remain up-to-date with premium payments and hold eligible cover for 42 consecutive days from the policy start date to get initial 6 weeks free, and for 15 consecutive months to receive subsequent 6 weeks free. The initial 6 weeks free will be applied at the next billing cycle after you have held eligible cover for 42 consecutive days. The subsequent 6 weeks free will be applied at the next billing cycle after you have held eligible cover for 15 months. The 6 weeks free will not be issued if you change to an ineligible cover, terminate your cover or suspend your cover during this period. Discounted amount to reflect level of eligible cover at time of discount.
2&6 month waits waived on extras terms: 2&6 month waiting periods on extras waived. Other waiting periods apply (including 12 months on some dental services). If you're switching from another fund and you’ve used any of your current limits (at that fund), that will count towards your annual limits with us. If you've reached your limits at your previous fund you may not be able to claim straight away on extras.
Live Better points terms: Must maintain direct debit and hold eligible product for 42 consecutive days from the policy start date to receive Live Better points. The points will not be issued if you change to an ineligible cover, terminate your cover or suspend your cover during this period. Policyholder will require access to a smartphone and will need to download the My Medibank App. Policyholder will need to have registered a My Medibank account, sign up to Live Better via the My Medibank App and track any Live Better activity within 42 consecutive days from the policy start date. Policyholder must also maintain direct debit and continue to hold an eligible product for 42 consecutive days from the policy start date to receive the Live Better Points. Must be 16 years or over to register for Live Better. Live Better rewards 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 25,000 Live Better rewards points, and families and couples will receive 50,000 Live Better rewards points.
Live Better Rewards terms: Must be a Medibank member with eligible hospital cover, extras cover, or hospital and extras cover, be up-to-date with premium payments and have signed up to Medibank Live Better via the ‘My Medibank’ app 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/
1 Two month waiting period applies. 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. Some products may have other dental benefits, check your cover summary for details.
2 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 Private Emergency Department Benefit, hospital bonus, claims covered by third parties and our Private Room Promise. Out-of-pocket costs may apply. For Gold hospital covers, Accident Cover Boost is not required because all clinical categories are Included, regardless of whether or not the treatment is required as a result of an Accident.
3 Waiting period applies. 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.