Skip to main content Skip to main navigation

Prices below are based on

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.

Medibank Basic Everyday Starter

No frills, no fuss cover with limited Extras and Accident-only Hospital cover.

from

Youth Discount applied

Youth Discount not available

Icon help
Icon help

60%

Medibank Basic Everyday Starter

Icon help
Icon help

60%

Icon help
Icon help

60%

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

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

Hospital cover

  • Rest assured you'll receive the benefits of our top level of hospital cover in the event of an Accident⁺ 
  • Unlimited Emergency Ambulance Australia-wide^

What is a waiting period?

The time you need to wait before you can receive benefits for services or items listed in your cover.

When do they apply?

To new members, or when switching to a higher level of cover.

Switching funds?

If you're switching from another health fund, on similar cover, we'll recognise waiting periods already served.

What is a pre-existing condition?

An ailment, illness or condition that, in the opinion of a Medical Practitioner appointed by Medibank, the signs or symptoms existed at any time during the six months before you either took out your new cover, or transferred to a higher level of cover (12 month waiting period applies).

Inclusions Waiting period

What is a waiting period?

The time you need to wait before you can receive benefits for services or items listed in your cover.

When do they apply?

To new members, or when switching to a higher level of cover.

Switching funds?

If you're switching from another health fund, on similar cover, we'll recognise waiting periods already served.

What is a pre-existing condition?

An ailment, illness or condition that, in the opinion of a Medical Practitioner appointed by Medibank, the signs or symptoms existed at any time during the six months before you either took out your new cover, or transferred to a higher level of cover (12 month waiting period applies).

Icon help

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.

1 day

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.

Nil

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.

2 months

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.

2 months

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.

2 months

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.

Nil
Exclusions

Hospital costs explained

Hospital cover helps with the cost of treatments you receive in hospital as a private patient. Of course, everyone is different, and so our hospital covers come in all shapes and sizes to suit different priorities and stages in life.

 

 

Extras cover

  • Fuss-free Extras cover for everyday needs such as general dental & physio
  • Better value with 100% back on an annual dental check-up & clean at any Members’ Choice dentist, on top of your annual dental limit (excludes x-rays)
  • 100% back on up to two dental check-ups every year (including bitewing x-rays) at any Members' Choice Advantage dentist1, OR
  • 100% back on an annual dental check-up & clean at any Members' Choice dentist, on top of your annual dental limit (excludes x-rays)1

 

12 months for surgical dental procedures
Combined with: Physiotherapy, Chiropractic & Osteopathy, Natural therapies, Dietetics
Inclusions Annual limits per person Icon help Waiting period Icon help
Claim back percentage: 60%
Claim back percentage:
N/A 1 day
$300 2 months Icon help
$150 6 months
$100 2 months
$400 combined limit Icon help 2 months
2 months
2 months
2 months

What are annual limits?

The maximum amount of benefits payable towards services, items or groups of services and/or items in a calendar year.

Switching health funds?

Benefits paid under your previous cover will be taken into account in determining the benefits payable under your Medibank cover.

What is a waiting period?

The time you need to wait before you can receive benefits for services or items listed in your cover.

When do they apply?

To new members, or when switching to a higher level of cover.

Switching funds?

If you're switching from another health fund, on similar cover, we'll recognise waiting periods already served.

Extras costs explained

Extras cover gives you money back for non-hospital services such as dental, physio, optical and more.

The amount of money you can claim back depends on the level of cover you have. Generally speaking, the higher the level of cover, the higher your annual limit and higher the percentage you can claim back. Which means more money back in your pocket.                 

Canstar awarded ‘Outstanding Value Insurance’ 11 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 choose Medibank?

Icon calendar

30 day cooling off period

If you're not completely happy with your cover in the first 30 days of joining, let us know and we'll transfer you to a more suitable cover or refund your premiums (as long as no claims have been made).

Icon optical

100% optical

Join Medibank Extras today and get 100% back on optical items (up to your annual limit) at any recognised provider. Some services like lens coating are excluded and waiting periods apply.

Icon Dental

Better health begins with better teeth

Medibank members with extras cover for 2 months or more can get 100% back on up to two dental check-ups every year, including bitewing x-rays, at any Members’ Choice Advantage dentist.¹

Request a call back

Leave your details and a Medibank expert will be in touch to take you through your options. In providing your telephone number, you consent to Medibank contacting you about health insurance.

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

# Medibank has Members' Choice providers for these services. Not available in all areas.

+ Covers with Restricted or Excluded services will be treated as Included services where treatment is required for injuries sustained in an Accident that occurs after joining this cover. Excludes claims covered by third parties such as Workcover and our Private Room Promise. Out of pockets may apply. Refer to your Cover Summary.

1 Members can claim a maximum of two 100% back dental check-ups per member, per year—either two check-ups at a Members’ Choice Advantage dentist (including up to two bitewing x-rays per check-up where required), or a first check-up at a Members’ Choice dentist (excluding x-rays) and a second check-up at a Members’ Choice Advantage dentist. These check-ups do not count towards annual limits. Waiting periods apply.

² 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.

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

⁴ 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.

⁵ 6 month waiting period applies. Some lens coatings excluded. 

 

‡ For new members on new memberships who join and start eligible hospital and extras cover from 1 – 30 September 2019 and who have not held Medibank health cover in previous 60 days. Must quote promo code BONUSPOINTS and set up direct debit when joining. Excludes some 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. 2&6 month waiting periods on extras waived. Other waiting periods apply (including 12 months on some general dental services and major dental). If you’ve reached your limits from a previous fund you may not be able to claim straight away. Live Better points terms: Must maintain eligible cover and direct debit for 45 consecutive days after the policy start date. Policyholder will require access to a smartphone and will need to have downloaded the Medibank Live Better app and registered a new account. 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 MyMedibank account with their Live Better account within 45 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 10,000 Live Better points, and families and couples will receive 20,000 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 medibank.com.au/livebetter/rewards/terms

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.

In providing your telephone number, you consent to Medibank contacting you about health insurance.

We'll have someone call you soon to help with any questions you have.

Speech bubble