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Gold health insurance

For all-round protection. Gold health insurance can give you greater peace of mind. If you want the confidence of knowing you’ll be looked after, Gold health insurance could be the right cover for you. It’s the only category of cover that includes all 38 of the clinical categories that have been set out by the Government.

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.

Choosing Gold health cover with Medibank

Medibank is rolling out all of the government’s reforms to make health insurance simpler to understand. As part of the changes we’ve categorised our products as ‘Basic’, ‘Bronze’, ‘Silver’ and ‘Gold’ to make it easier for you to compare health insurance products.


Why choose Medibank?

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Medibank is implementing all health insurance reforms to give you better value cover

The changes to private health insurance aim to make health insurance simpler to understand. We’re implementing all the reforms in order to give you better health value cover .

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Medibank at Home

With your doctor's support, eligible members may choose whether a treatment is delivered in the hospital or home, with a range of services, such as rehabilitation and chemotherapy.¹

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24/7 Medibank Nurse

Health concerns keeping you up at night? Members with hospital cover are supported by Medibank nurses on our 24/7 Medibank Nurse phone service.²

Why Medibank

Not what you're looking for?

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Mix 'n' match hospital & extras

Build your own package by choosing the level of hospital and extras cover that is right for you.

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Hospital only cover

Help cover the cost of hospital treatments with hospital cover that suits you.

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Extras only cover

Cover for optical, dental, physio and more at a level that suits you.

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Need less cover?

View our range of Silver health insurance products for a bit more cover.

Things you should know

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. 

^ Guaranteed 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.

1 Not available in all areas. Must have eligible hospital cover, all relevant waiting periods must have been served and treating doctor must consider it appropriate. Out of pocket expenses may apply.

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

‡ For new members on new memberships who join and start eligible combined hospital and extras from 22 July – 31 August 2019 and who have not held Medibank health cover in previous 60 days. Must quote promo code WAITSWAIVED and set up direct debit when joining. 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 some 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.