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Family Health Insurance

We don't just offer family cover, we offer cover better suited to every kind of family. Families with one kid or four, families with a mum and a dad, two mums, or two dads.

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.

Filter products for

Type of cover

(cover for in-hospital treatments)

(dental, optical, physio and more)

We've found 26 products based on the options you have chosen.

Medibank Bronze Everyday

Cost-effective hospital cover for a wide range of procedures that includes endoscopies and chemotherapy.

from

Youth Discount applied

Youth Discount not available

Hospital

750 excess

  • Ambulance#
  • Endoscopy
  • Chemotherapy
  • Gynaecology
  • Bones, joints and muscle

and more...

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

View details

Medibank Bronze Everyday and Essential Extras

Cost-effective hospital cover for a wide range of procedures that includes endoscopies and chemotherapy.

from

Youth Discount applied

Youth Discount not available

Hospital

750 excess

  • Ambulance#
  • Endoscopy
  • Chemotherapy
  • Gynaecology
  • Bones, joints and muscle

and more...

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

Extras

55% claimback

  • Dental
  • Optical
  • Physio
  • Choice of claim back

and more ...

View details

Medibank Bronze Everyday and Top Extras

A combination of cost-effective Hospital cover with Extras that give more than just a safety net. Perhaps major dental work is on the cards? If this is you, this is your cover.

from

Youth Discount applied

Youth Discount not available

Hospital

750 excess

  • Ambulance#
  • Endoscopy
  • Chemotherapy
  • Gynaecology
  • Bones, joints and muscle

and more...

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

Extras

55% claimback

  • General & Major Dental
  • Optical
  • Physio
  • Orthodontics
  • Choice of claim back

and more ...

View details

Medibank Bronze Plus Progress

Hospital cover that includes a wide range of common procedures, including back, neck & spine and chemotherapy.

from

Youth Discount applied

Youth Discount not available

Hospital

750 excess

  • Ambulance#
  • Endoscopy
  • Chemotherapy
  • Bones, joints and muscle
  • Back, neck and spine

and more...

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

View details

Medibank Bronze Plus Growing Family

Family hospital cover for life's more common treatments, but you don't want pregnancy and birth or assisted reproductive services. You'll still enjoy some support during your pregnancy through your Extras cover.

from

Youth Discount applied

Youth Discount not available

Hospital

750 excess

  • Ambulance#
  • Endoscopy
  • Chemotherapy
  • Bones, joints and muscle
  • Back, neck and spine

and more...

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

Extras

60% claimback

  • Dental
  • Optical
  • Physio
  • 100% Claim back for kids~
  • Antenatal classes

and more ...

View details

Medibank Bronze Plus Progress and Essential Extras

Hospital cover that includes a wide range of common procedures, including back, neck & spine and chemotherapy.

from

Youth Discount applied

Youth Discount not available

Hospital

750 excess

  • Ambulance#
  • Endoscopy
  • Chemotherapy
  • Bones, joints and muscle
  • Back, neck and spine

and more...

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

Extras

55% claimback

  • Dental
  • Optical
  • Physio
  • Choice of claim back

and more ...

View details

Medibank Bronze Plus Progress and Top Extras

Hospital cover that includes a wide range of common procedures, including back, neck & spine and chemotherapy.

from

Youth Discount applied

Youth Discount not available

Hospital

750 excess

  • Ambulance#
  • Endoscopy
  • Chemotherapy
  • Bones, joints and muscle
  • Back, neck and spine

and more...

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

Extras

55% claimback

  • General & Major Dental
  • Optical
  • Physio
  • Orthodontics
  • Choice of claim back

and more ...

View details

Medibank Silver Everyday

Hospital cover that provides a wide range of services, including heart and vascular procedures and plastic and reconstructive surgery.

from

Youth Discount applied

Youth Discount not available

Hospital

750 excess

  • Ambulance#
  • Heart and vascular system
  • Plastic and reconstructive surgery
  • Back, Neck and Spine

and more...

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

View details

Medibank Silver Everyday and Essential Extras

Combined cover that provides a wider range of hospital services, like heart and vascular admissions, plus cover for some of the more-commonly used Extras.

from

Youth Discount applied

Youth Discount not available

Hospital

750 excess

  • Ambulance#
  • Heart and vascular system
  • Plastic and reconstructive surgery
  • Back, Neck and Spine

and more...

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

Extras

55% claimback

  • Dental
  • Optical
  • Physio
  • Choice of claim back

and more ...

View details

Medibank Silver Everyday and Top Extras

Hospital cover that provides a wide range of services, including heart and vascular procedures and plastic and reconstructive surgery, plus get more of a safety net with your Extras. Perhaps major dental work is on the cards? If this is you, this is your cover.

from

Youth Discount applied

Youth Discount not available

Hospital

750 excess

  • Ambulance#
  • Heart and vascular system
  • Plastic and reconstructive surgery
  • Back, Neck and Spine

and more...

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

Extras

55% claimback

  • General & Major Dental
  • Optical
  • Physio
  • Orthodontics
  • Choice of claim back

and more ...

View details

Medibank Silver Plus Assured

We've designed this hospital cover to give you a little more than Silver Everyday. Rehabilitation, Palliative care and Sleep studies are all included.

from

Youth Discount applied

Youth Discount not available

Hospital

750 excess

  • Ambulance#
  • Heart and vascular system
  • Plastic and reconstructive surgery
  • Back, Neck and Spine
  • Sleep studies

and more...

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

View details

Medibank Silver Plus Growing Family

Hospital & Extras cover that provides a broader range of hospital services, like heart and vascular admissions and Extras cover that supports your pregnancy journey.

from

Youth Discount applied

Youth Discount not available

Hospital

750 excess

  • Ambulance#
  • Heart and vascular system
  • Plastic and reconstructive surgery
  • Back, Neck and Spine
  • Sleep studies

and more...

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

Extras

60% claimback

  • Dental
  • Optical
  • Physio
  • 100% Claim back for kids~
  • Antenatal classes

and more ...

View details

Medibank Silver Plus Families

Combined cover that provides a wide range of hospital services, like heart and vascular admissions, with Extras cover designed to help the whole family.

from

Youth Discount applied

Youth Discount not available

Hospital

750 excess

  • Ambulance#
  • Heart and vascular system
  • Plastic and reconstructive surgery
  • Back, neck and spine
  • Sleep studies

and more ...

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

Extras

55% claimback

  • Dental
  • Optical
  • Physio
  • Orthodontics
  • 55% Claim back on extras^

and more ...

View details

Medibank Silver Plus Assured and Essential Extras

We've designed this hospital cover to give you a little more than Silver Everyday. Rehabilitation, Palliative care and Sleep studies are all included, plus cover for some of the more-commonly used Extras.

from

Youth Discount applied

Youth Discount not available

Hospital

750 excess

  • Ambulance#
  • Heart and vascular system
  • Plastic and reconstructive surgery
  • Back, Neck and Spine
  • Sleep studies

and more...

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

Extras

55% claimback

  • Dental
  • Optical
  • Physio
  • Choice of claim back

and more ...

View details

Medibank Silver Plus Assured and Top Extras

Combined cover that provides a wider range of hospital services, like heart and vascular admissions, with our highest level of Extras cover to help you stay at the top of your game.

from

Youth Discount applied

Youth Discount not available

Hospital

750 excess

  • Ambulance#
  • Heart and vascular system
  • Plastic and reconstructive surgery
  • Back, Neck and Spine
  • Sleep studies

and more...

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

Extras

55% claimback

  • General & Major Dental
  • Optical
  • Physio
  • Orthodontics
  • Choice of claim back

and more ...

View details

Medibank Silver Plus Security

Comprehensive hospital cover for those who want peace of mind but don't want pregnancy and birth. Includes cover for joint replacements, rehabilitation and cataracts.

from

Youth Discount applied

Youth Discount not available

Hospital

750 excess

  • Ambulance#
  • Heart and vascular system
  • Joint replacements
  • Cataracts

and more...

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

View details

Medibank Silver Plus Security and Essential Extras

Comprehensive Hospital cover for those who want peace of mind, but don't need Pregnancy and Birth services, plus the added benefits of general dental, optical and physio.

from

Youth Discount applied

Youth Discount not available

Hospital

750 excess

  • Ambulance#
  • Heart and vascular system
  • Joint replacements
  • Cataracts

and more...

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

Extras

55% claimback

  • Dental
  • Optical
  • Physio
  • Choice of claim back

and more ...

View details

Medibank Silver Plus Security and Top Extras

Comprehensive hospital cover for those who want peace of mind without the need for Pregnancy and birth with our highest level of Extras cover to help you stay at the top of your game.

from

Youth Discount applied

Youth Discount not available

Hospital

750 excess

  • Ambulance#
  • Heart and vascular system
  • Joint replacements
  • Cataracts

and more...

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

Extras

55% claimback

  • General & Major Dental
  • Optical
  • Physio
  • Orthodontics
  • Choice of claim back

and more ...

View details

Medibank Gold Complete

From pregnancy and birth to psychiatric services and heart and vascular procedures, this hospital cover will give you the confidence of knowing you'll be looked after, no matter what.

from

Youth Discount applied

Youth Discount not available

Hospital

750 excess

  • Ambulance#
  • Heart and vascular system
  • Pregnancy and birth
  • Joint replacements
  • Hospital psychiatric services

and more...

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

View details

Medibank Gold Growing Family

A comprehensive Hospital and Extras cover that gives you a private childbirth experience, providing welcome support to your family's pregnancy journey from planning, to giving birth and beyond.

from

Youth Discount applied

Youth Discount not available

Hospital

750 excess

  • Ambulance#
  • Heart and vascular system
  • Pregnancy and birth
  • Joint replacements
  • Hospital psychiatric services

and more...

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

Extras

60% claimback

  • Dental
  • Optical
  • Physio
  • 100% Claim back for kids~
  • Antenatal classes

and more ...

View details

Medibank Gold Complete and Essential Extras

Hospital cover that gives you the confidence of knowing you'll be looked after through life's twist and turns, including pregnancy and birth and heart and vascular admissions, plus the added benefits of general dental, optical and physio.

from

Youth Discount applied

Youth Discount not available

Hospital

750 excess

  • Ambulance#
  • Heart and vascular system
  • Pregnancy and birth
  • Joint replacements
  • Hospital psychiatric services

and more...

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

Extras

55% claimback

  • Dental
  • Optical
  • Physio
  • Choice of claim back

and more ...

View details

Medibank Gold Complete and Top Extras

Comprehensive Hospital cover that looks after everything from pregnancy and birth to heart and vascular admissions plus an equally comprehensive Extras cover for a wider range of services such as major dental.

from

Youth Discount applied

Youth Discount not available

Hospital

750 excess

  • Ambulance#
  • Heart and vascular system
  • Pregnancy and birth
  • Joint replacements
  • Hospital psychiatric services

and more...

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

Extras

55% claimback

  • General & Major Dental
  • Optical
  • Physio
  • Orthodontics
  • Choice of claim back

and more ...

View details

Medibank Gold Ultra Health

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.

from

Youth Discount applied

Youth Discount not available

Hospital

none excess

  • Hospital nil excess
  • Ambulance#
  • Pregnancy and birth
  • Heart and vascular system
  • Joint replacements
  • No excess

and more…

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

Extras

100% claimback

  • Extras 100% claimback
  • Dental
  • Optical
  • Physio
  • Podiatry
  • 100% Claim back on extras

and more...

View details

Essential Extras

Fuss-free, affordable cover that gives you access to some of the more common services to keep your general health in check.

from

Youth Discount applied

Youth Discount not available

Extras

70% claimback

  • Dental
  • Optical
  • Physio
  • Ambulance#
  • 70% Claim back^

and more ...

View details

Growing Family Extras Only

Extras-only cover for families, with some welcome support during the pregnancy journey.

from

Youth Discount applied

Youth Discount not available

Extras

60% claimback

  • General & Major Dental
  • Optical
  • Physio
  • 100% Claim back for kids~
  • Antenatal classes

and more ...

Available with Bronze Plus Progress, Silver Pus Assured, or Gold Complete Hospital or as an Extras only cover

View details

Top Extras

Our highest level of Extras cover to help you stay in tip-top shape from head to toe.

from

Youth Discount applied

Youth Discount not available

Extras

55% claimback

  • General & Major Dental
  • Optical
  • Physio
  • Orthodontics
  • Choice of claim back

and more ...

View details

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.

Waiting periods and annual limits may apply.

+ 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. Treatment must be sought within 7 days of the Accident. Excludes claims covered by third parties such as Workcover and our Private Room Promise. Out of pockets may apply. Refer to your Cover Summary.

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

^You'll recieve a fixed percentage back on specified services provided by Medibank Members' Choice providers only up to annual limits. 

~100% back for kids only applies to child and student dependants on specified services provided by Medibank Members' Choice providers up to annual limits.

Choose hospital & extras to suit your needs

Better Value Extras

Every Medibank Member with Extras cover gets 100% back on up to two annual dental check-ups with x-rays at any Members’ Choice Advantage dentist, after serving the two month waiting period.* Plus, members also get 100% back on optical items at all recognised providers, up to annual limits.^ With the My Medibank app, most members can check their extras limits and claim for most extras services.**

My Medibank app

Most members can view their extras limits on the go*, plus you can also make a claim on a wide range of extras with the My Medibank app

Help the way you want it

Contact Medibank when and how it suits you; online 24/7, in store, by phone, or through the My Medibank app.

‡ For new members on new memberships who join and start eligible combined hospital and extras from 19 May – 30 June 2019 and who have not held Medibank health cover in previous 60 days. Must quote promo code JUNE6 and set up direct debit when joining. Must maintain direct debit and hold eligible product for 30 continuous days from the policy start date to get next 6 weeks free. 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. 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.

*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.

^Waiting periods apply. Some services, like lens coating, aren’t included.

**Some claims, like paper based, may take longer to update.