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*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 can claim back at Members’ Choice providers, up to annual limits. Fixed amounts apply at non-Members’ Choice providers, up to annual limits.
The amount you pay before Medibank contributes to your hospital costs.
Prices 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.
Hospital & Extras offer - Want 4 weeks free and up to $500 in gift cards?
Join and maintain eligible Bronze hospital and extras cover or above and you could get 4 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. New members only.€ Use promo code: 4WEEKSPLUS

Hospital cover
- Our most extensive level of Hospital cover
- Earn an Ultra Bonus each year to cover eligible hospital out of pockets
- 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). |
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Nil | |
1 day | |
2 months | |
2 months | |
2 months | |
2 months
(12 months for pre-existing) |
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2 months
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2 months
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2 months
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2 months
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2 months
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2 months
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Nil |
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.
For services included under each of our Hospital covers, we’ll pay benefits towards:
- Eligible ambulance services
- In-hospital medical services
- Overnight accommodation in a private hospital, or a shared room in a public hospital as a private patient
- Same-day admission
- Intensive care
- Theatre fees
- The minimum benefit for surgically implanted prostheses included on the Australian Government Prostheses List
Depending on your cover you may need to pay an excess or co-payment before we will pay any benefits towards your hospital admission.
- Services not included in your cover or for which you are serving waiting periods
- Some high-cost medications
- Services not covered by Medicare
- Prostheses in excess of approved benefits in the Government’s Prostheses List
- Cosmetic treatments
It's a good idea to call us on 1300 518 089 so we can take you through what we will pay benefits for, and let you know of any potential out-of-pockets for your procedure.
Extras cover
- Includes exclusive Ultra benefits, such as laser eye surgery
- Higher annual limits for more costly services, such as major dental, orthodontics and hearing aids
- Health screening test, bowel screening, bone density, retinal scans where not covered by Medicare
- 100% back on up to two dental check-ups every year (including bitewing x-rays) at any Members’ Choice or Members' Choice Advantage dentist1
Inclusions | Annual limits per person | Waiting period |
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Claim back percentage: | 100% | |
Claim back percentage: | ||
N/A | 1 day | |
No annual limit | 2 months | |
$1600 | 12 months | |
$1500 | 12 months | |
$300 | 6 months | |
$500 combined limit | 2 months | |
$1000 | 2 months | |
$750 | 2 months | |
$600 | 2 months | |
Combined limit | 2 months | |
$600 | 2 months | |
$300 | 12 months | |
24 months | ||
$600 | 2 months | |
$600 | Nil | |
$600 | 2 months | |
$100 | 2 months | |
$200 | 2 months | |
$1600 | 36 months | |
$800 | 2 months | |
$600 | 2 months | |
$600 | 2 months | |
$250 | 2 months | |
$500 | 2 months | |
$3500 | 36 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.
- 100% back at all recognised optical retailers (some items excluded, up to your annual limit, waiting periods apply)
- 100% back on at least one dental check-up & clean at any Members’ Choice dentist (excludes x-rays, waiting periods apply)
- Access to Members’ Choice, one of the largest health provider networks in Australia, covering more than 12,000 providers. We’ve set maximum prices that these providers can charge, so you’ll avoid any surprises when the bill arrives
With a Members' Choice provider, you'll receive a fixed % back on services, up to your annual limits.
If your extras provider isn't part of our Members' Choice network don't worry. As long as they're a Medibank recognised provider, we'll still pay a fixed amount for each service or item, up to your annual limits.
Supporting documents

Canstar awarded ‘Outstanding Value Health Insurance’ 16 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?
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).
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.
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.
~ 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.
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 combined Bronze hospital and extras cover or above from 25 January 2023 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 ‘4WEEKSPLUS’ and set up direct debit when joining. Excludes Hospital only cover, Extras only cover, Basic covers, Corporate covers, Accident Cover, Ambulance Cover, Overseas Visitors Health Cover, Overseas Students Health Cover (OSHC), Overseas Workers Health Cover, ahm covers and other selected covers. Not available with any other offer. Medibank may end this offer or amend these offer terms and conditions at any time without notice. Medibank employees are not eligible for this offer.
4 weeks free terms: Must maintain direct debit and hold eligible cover for 28 consecutive days from the policy start date to get next 4 weeks free. The 4 weeks free will not be issued if you change to an ineligible cover, terminate your cover or suspend your cover during this period.
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 cover for 28 consecutive days from the policy start date. 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 28 consecutive days from the policy start date. Must be 18 years or over and have a valid Australian residential address to register for Medibank Live Better. 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 25,000 Live Better Points, and families and couples will receive 50,000 Live Better 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 with ‘My Medibank’ or have linked their My Medibank 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/
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