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.

Type of cover

(In-hospital treatments)

(Dental, optical, Physio and more)

Hospital level

We've found 28 products based on the options you have chosen.

We've found 28 products based on the options you have chosen.

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Cover for:

Level of cover:

Hospital cover level:
Extras cover level:

Specific cover for Hospital:

Specific cover for Extras:

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Medibank Bronze Plus Progress

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

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Medibank Bronze Plus Progress and Essential Extras

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Hospital cover that includes a wide range of common procedures, including back, neck & spine and chemotherapy, plus cover for some of the more-commonly used Extras.

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Medibank Bronze Everyday

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

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Medibank Bronze Everyday and Essential Extras

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Cost-effective hospital cover for a wide range of procedures that includes endoscopies and chemotherapy, plus cover for some of the more-commonly used Extras.

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Medibank Bronze Everyday and Top Extras

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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.

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Medibank Bronze Plus Progress

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

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Medibank Bronze Plus Growing Family

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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.

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Medibank Bronze Plus Progress and Essential Extras

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Hospital cover that includes a wide range of common procedures, including back, neck & spine and chemotherapy, plus cover for some of the more-commonly used Extras.

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Medibank Bronze Plus Progress and Top Extras

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Hospital cover that includes a wide range of common procedures, including back, neck & spine and chemotherapy with our highest level of Extras cover to help you stay at the top of your game.

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Medibank Silver Everyday

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

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Medibank Silver Everyday and Essential Extras

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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.

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Medibank Silver Everyday and Top Extras

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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.

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Medibank Silver Plus Assured

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

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Medibank Silver Plus Growing Family

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

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Medibank Silver Plus Families

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

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Medibank Silver Plus Assured and Essential Extras

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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.

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Medibank Silver Plus Assured and Top Extras

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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.

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Medibank Silver Plus Security

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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.

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Medibank Silver Plus Security and Essential Extras

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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.

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Medibank Silver Plus Security and Top Extras

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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.

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Medibank Gold Complete

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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.

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Medibank Gold Growing Family

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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.

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Medibank Gold Complete and Essential Extras

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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.

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Medibank Gold Complete and Top Extras

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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.

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Medibank Gold Ultra Health

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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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Essential Extras

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

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Growing Family Extras Only

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

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Top Extras

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

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Waiting 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.

^ 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.

+ 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.

Benefits of Medibank family cover

 

Icon Children

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

Icon Currency

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

Icon Emergency

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

Want an adidas e-gift card worth up to $400?

Join eligible combined hospital & extras cover by 28 February 2021 and you could get an adidas e-gift card: $200 for singles/single parents or $400 for couples/families. Plus - we'll waive 2&6 month waiting periods on extras. New members only.‡ Use promo code: ADIDAS

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‡ For new members on new memberships who join and start eligible combined hospital and extras from 5 January and 28 February 2021 and who have not held Medibank health cover in the previous 60 days (unless they are a dependent coming off their parents cover). 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’ 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. E-gift card can only be used in a single transaction and any unused balance in that transaction will be forfeited. For full list of exclusions and gift card terms and conditions see https://www.adidas.com.au/promotion-medibank-live-betterprogram.html . 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). Annual limits apply. If switching funds, limits used from your previous fund may be deducted. 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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