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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.

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.

Benefits of Medibank family cover

 

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100% back on kids extras

Looking after your family can be costly, so we provide 100% back on extras for kids on Silver Plus Families & Growing Family covers at Members’ Choice providers, up to annual limits.¹

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No hospital excess for kids

Having your child go into hospital is stressful, so with Medibank you'll have one less worry, with no hospital excess for kids on all of our family covers.²

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Healthcare that never sleeps

Being a parent is a 24/7 job. That's why members with Hospital cover can call our 24/7 Medibank Nurse phone service to get round-the-clock professional health advice for the family.³

‡ For new members on new memberships who have not held Medibank cover in the last 60 days and who join and start Medibank combined hospital and extras cover during the promo period (Jan 1-Feb 29, 2020). Must quote promo code ADIDAS and set up direct debit when joining. Not available on Accident Cover, Visitors Health Insurance, Working Visa Health Insurance, OSHC, Ambulance Cover, ahm covers, some Corporate covers and other selected covers. Not available with any other offer. E- gift card terms: Must maintain eligible cover for 40 consecutive days after the policy start date. E-gift card could take up to 8 weeks from the policy start date to arrive by email. Singles and single parents will receive a $200 adidas e-gift card, and families and couples will receive 2 x $200 adidas e-gift cards. E-gift card can only be redeemed at adidas’s online store, is not transferrable and is valid 12 months from date of issue. E-gift card must be activated within 3 months from date of issue. E-gift card cannot be redeemed on outlet items, on limited edition products, or on super exclusive products. For full list of exclusions see https://www.adidas.com.au/promotion-medibank-live-betterprogram.html. E-gift card can only be used in a single transaction and any unused balance in that transaction will be forfeited. E-gift card is subject to the adidas standard terms and conditions. For full terms and conditions on activating and using your card see www.medibankrewards.com.au. 2 & 6 waiver terms: 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.

1 Waiting periods apply, including 12 months for some dental services. For child (up to 21 years) and full-time student (up to 25 years) dependants. Members’ Choice providers not available in all areas.

2 Other out–of–pocket expenses may apply.

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

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