There's more to Medibank than just great health cover
As a Medibank health insurance member, you're eligible for discounted Life, Pet and Travel Insurance Premiums every year. Plus, we've got a range of offers, programs and services designed to help you live better.
Member offers
Take advantage of exclusive offers, benefits and discounts just for being a Medibank health member.
Discounted Life, Pet and Travel Insurance premiums
Medibank health insurance members are eligible for discounted Life, Pet and Travel Insurance premiums every year.
Easy claims through My Medibank
You can submit health insurance claims on the spot for most extras through the My Medibank app.
Live Better your way
Free articles, tips and advice to help you eat, move and feel better. Plus, eligible members can earn points toward rewards for healthy actions through Live Better rewards app.*
Cover support
Take the confusion out of health insurance and get the most out of your cover.
Support for changing health needs
Equip yourself with knowledge and understanding of the going to hospital process, including estimating out-of-pocket costs using our Procedure Cost Estimator tool.
How we're supporting members
With over 40 years of experience, we understand what better health means for our 3.7 million members.
Accident cover boost
Medibank members with hospital cover get the benefits of Gold level cover no matter what level of hospital cover you have, thanks to our Accidental Injury Benefit.¹
24/7 Medibank Nurse phone service
Members with hospital cover can call our phone service to speak to a Medibank Nurse about their health concerns at any time of the day or night.²
100% back on dental check-ups twice a year on eligible extras³
Here’s something to smile about – Medibank members with eligible extras cover for two months or more get 100% back on up to two dental check-ups every year, including x-rays, at any Members’ Choice Advantage dentist.³
100% back on optical on eligible extras⁴
At Medibank we think you deserve to see the world clearly. That’s why when you join eligible Medibank extras you get 100% back on optical items at all recognised providers up to annual limits.⁴
10% off life insurance and income protection
As a Medibank health insurance member, you're entitled to a 10% discount on Medibank's Life Insurance and Income Protection Insurance every year.
10% off Medibank Pet Insurance
As a Medibank health insurance member, you can get 10% off our range of Medibank Pet Insurances every year.
15% off Travel insurance
As a Medibank health insurance member, you're entitled to a 15% discount on Medibank Travel Insurance.
Medibank health support and services
As an eligible Medibank member, you get more than just health insurance. You get extra support, when you need it most.
Mental Health Phone Support
Members with Hospital cover~ can talk with a mental health professional over the phone in relation to any mental health or emotional concern, 24 hours a day 7 days a week on 1800 644 325.
Telehealth services
Medibank members with eligible extras can now access telehealth services - including psychology, physiotherapy, dietetics, occupational therapy, podiatry, exercise physiology and speech therapy. Medibank members can also access counselling telehealth services undertaken from 15 October 2020, with benefits payable towards Medibank recognised Counsellors only.#
24/7 Medibank Nurse
Health concerns keeping you up at night? With hospital cover you’re supported by Medibank nurses on our 24/7 Medibank Nurse phone service on 1800 644 325.~
Medibank has a wide range of health and wellbeing services to support eligible members with their mental health.
Things you should know
* Must be 16 years or over to register for Medibank Live Better rewards. Some program partners and earning activities require a person to be at least 18 years of age to be eligible to earn and/or redeem a reward. 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 rewards with My Medibank to earn Live Better rewards points for eligible purchases and redeem rewards. Rewards are subject to change without prior notice and are subject to availability. Excludes Overseas Student Health Cover (OSHC), Ambulance only cover, ahm covers and other selected covers. Live Better Management Pty Ltd, ACN 003 457 289 has entered into commercial arrangements with Medibank Live Better rewards program partners and may receive commissions. Additional terms and conditions may apply to the redemption of a reward depending on the type of reward chosen. See full Medibank Live Better rewards terms.
¹ For Accidents that occur in Australia after your cover starts. Must seek medical treatment within 7 days, and receive hospital treatment within 12 months, of the Accident occurring. Excludes claims covered by third parties and our Private Room Promise. Out of pockets may apply.
² OSHC members should call the Student Health & Support Line on 1800 887 283.
³ Eligible members on Medibank extras (excluding Healthy Living Extras and Gold Ultra Health) can claim a maximum of two 100% back dental check-ups per member, per year at a Members’ Choice Advantage provider (including bitewing x-rays where clinically required). For members on eligible extras, the first two check-ups do not count towards your annual limit. Members with Healthy Living Extras can get 100% back on one dental check-up each year at a Members’ Choice Advantage provider (including up to two bitewing x-rays, where clinically required) or at a Members’ Choice provider (excluding x-rays). Members with Gold Ultra Health can get 100% back on up to three dental check-ups at a Members’ Choice or Members’ Choice Advantage provider. Members’ Choice and Members’ Choice Advantage providers are not available in all areas. Two month waiting period applies. Some products may have other dental benefits, check your cover summary for details.
⁴ Excludes Healthy Living Extras and select products that are no longer available for sale (for more information check your cover summary or check this page). Applies to prescription glasses and select contact lenses. Some glasses lens coatings and contact lenses are excluded. To find which specific items are included or excluded, call us on 132 331. 6 month waiting period applies.
Life insurance and income protection insurance
Medibank Life Insurance and Medibank Income Protection (collectively Medibank life insurance) are issued by the insurer, Zurich Australia Limited ABN 92 000 010 195 AFSL 232510 (Zurich). NEOS Direct, a registered business name of NDLI Pty Ltd ABN 70 665 747 277 AFSL 547119, distributes and services Medibank life insurance, which is promoted by NEOS Direct's authorised representative Medibank Private Limited ABN 47 080 890 259 (AR No. 286089) (Medibank).
Any advice provided is general only and doesn’t consider your objectives, financial situation or needs. You should consider these factors, the appropriateness of the advice, and carefully read the relevant Product Disclosure Statement (which sets out the product terms, conditions and exclusions), Target Market Determination and Financial Services Guide before making a decision to acquire, or continue to hold, the product.
Your personal information will be handled in accordance with the Privacy Policies of the parties involved. Click here for NEOS Direct's Privacy Policy, Medibank Private's Privacy Policy or Zurich's Privacy Policy.
Pet Insurance
Medibank Pet Insurance policies entered into for the first time prior to 30 August 2023 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by PetSure’s Authorised Representative (AR) Medibank Private Limited ABN 47 080 890 259, AR 286089 (Medibank).
Medibank Pet Insurance policies entered into for the first time on or after 30 August 2023, and subsequent renewals of those policies are issued by PetSure and promoted and distributed by PetSure’s AR, Medibank.
Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) ensure this product meets your needs before purchasing, or choosing to continue with the product. PDS and Target Market Determination available at medibank.com.au/pet-insurance.
Travel insurance
Limits, sub-limits, exclusions and conditions apply. This is general advice only. Medibank Private Limited, ABN 47 080 890 259, an Authorised Representative, AR 286089, of Travel Insurance Partners Pty Limited, ABN 73 144 049 230 AFSL 360138 arranges the insurance on behalf of the insurer. The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507. Please consider your own needs and the Combined FSG/PDS available from Medibank stores or medibank.com.au/travel to decide if this product is right for you.
~ OSHC members should call the Student Health and Support Line on 1800 887 283.
# Check your cover summary to see if these services are included on your extras cover and if annual limits apply. Counsellors must be registered with Australian Counselling Association, Psychotherapy and Counselling Federation of Australia, Australian Traditional Medicine Society.