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

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.


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Type of cover

(In-hospital treatments)

(Dental, optical, Physio and more)

Hospital level

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Cover for:

Level of cover:

Specific cover for Hospital:

Specific cover for Extras:

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

 

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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

Want up to $400 worth of gift cards?

Join eligible Medibank hospital & extras by October 31 and complete a Live Better goal or challenge to receive: 20,000 points (singles) or 40,000 points (couples/families) to redeem on rewards. Plus - we'll waive your 2&6 month waits on extras. New members only.‡ Must use promo code: LIVEBETTER

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‡ For new Medibank members on new memberships who join and start eligible combined hospital and extras from 1 September – 31 October 2021 and have not held Medibank health cover in the previous 60 days (unless a dependent coming off parent's cover). Must quote promo code ‘LIVEBETTER’ and set up direct debit when joining. Must maintain direct debit and hold eligible product for 28 continuous days from the policy start date in order to receive the offer. 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. Live Better Points: Policyholder will require access to a smartphone and will need to download the My Medibank App and complete a Live Better goal or download the Medibank Live Better app, register a new account and successfully complete any one-week challenge or goal within 28 days of joining. 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 My Medibank account with their Live Better account within 28 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 20,000 Live Better Points, and families and couples will receive 40,000 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: https://www.medibank.com.au/livebetter/rewards/terms/ 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.

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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