Medibank and Amcal

Helping you and your family on their way to better health

Want an Amcal gift card?

Join eligible Medibank combined hospital and extras cover and quote the promo code 'AMCAL'. New members only.¹

Families and couples

Join eligible combined hospital & extras cover, and you could get:

  • $400 Amcal gift card¹
  • 2&6 month waits waived on extras¹

Singles and single parents

Join eligible combined hospital & extras cover, and you could get:
  • $200 Amcal gift card¹
  • 2&6 month waits waived on extras¹

Live better, get rewarded

Eligible Medibank members with hospital or extras cover can now earn rewards through the Medibank Live Better app², simply by shopping instore at Amcal Pharmacy. Plus you’ll continue earning Amcal Rewards points as you normally would.³ 

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Linking bonus

Earn 1000 Bonus Live Better Points when you successfully link your Amcal Rewards and Medibank Live Better accounts before 31 December 2019.⁴

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Earn double

Earn 10 Live Better Points (instead of 5) between 2 December 2019 and 2 February 2020 for every $1 spent instore at Amcal Pharmacy (excluding prescription)⁵.

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Get rewarded

Eligible Medibank members with hospital or extras cover can put points towards rewards with the Live Better Rewards app². 1000 points is enough for a $10 Amcal e-gift card.

Better health starts here

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Better value extras

Get 100% back on up to two dental check-ups at any Members' Choice Advantage dentist every calendar year, including x-rays.⁶

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100% back on optical

When you join Medibank extras you get 100% back on optical items at all recognised providers up to annual limits.⁷

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24/7 Medibank Nurse

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.⁸

Medibank - Amcal

Additional Amcal Rewards Member discounts

Amcal Rewards Members save on both Medibank Travel Insurance and Medibank Pet Insurance.  Just use promo code AMCAL to receive your discount.⁹

Travel insurance

Travel insurance

Save 15% on Medibank Travel Insurance if you are an Amcal Rewards Member⁹.

Use promo code AMCAL to receive your discount!

Pet insurance

Pet insurance

Save 10% on Medibank Pet Insurance if you are an Amcal Rewards Member⁹.

Use promo code AMCAL to receive your discount!

Switching to Medibank is easy

Moving to one of Australia’s leading health funds is easy! Did you know, you can switch health insurance at any time? But remember: you need to join Medibank within 2 months of leaving your previous Australian health fund if you want the waiting periods you've already served to be recognised¹º.

Things you should know

1 The offer: For new members on new memberships who join and commence eligible Medibank combined eligible hospital and extras cover by 31 December 2019. Must quote promo code ‘AMCAL’ and set up direct debit when joining.  Excludes Accident ONLY cover, Ambulance ONLY cover, Overseas Visitors Cover (OVC), Overseas Students Health Cover (OSHC), Working Visa Health Insurance, ahm covers, corporate covers and other select covers. Not available with any other offer.

AMCAL gift card specific terms: Must hold the same eligible cover and not be in arrears for 65 consecutive days from the policy start date. Family and couple policy holders will receive a $400 Amcal gift card, and single and single parent policy holders will receive a $200 Amcal gift card. The gift card will take up to 12 weeks to arrive by post after the policy start date. The gift card is only redeemable at Amcal Pharmacies. The gift card balance expires within 12 months of the issue date. The gift card is not refundable and cannot be redeemed for cash. Lost or stolen cards will not be replaced or refunded and no liability will be accepted for the loss, theft or destruction of gift cards. For enquiries regarding your gift card please visit amcal.com.au or call 1300 554 268.

2&6 month waits waived on extras specific terms: 2 and 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.

² Must be 18 years or over and have a valid Australian residential address to register for Medibank Live Better. 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 earn Live Better Points for eligible purchases and to redeem rewards. Excludes Overseas Visitor health cover, Working Visa health cover, Overseas Student Health Cover (OSHC), Ambulance only cover, ahm covers and other selected covers. Additional terms and conditions may apply to the redemption of a reward depending on the type of reward chosen. Live Better Management Pty Ltd, ACN 003 457 289 has entered into commercial arrangements with Medibank Live Better program partners and may receive commissions. Read full Medibank Live Better terms here.

³ Waiting periods you have not fully served with your previous fund may still need to be served. Waiting periods for any new or upgraded services or higher benefits apply. Benefits that have been paid under your previous cover will be taken into account in determining the benefits payable under your Medibank cover. Amcal members will earn Amcal Rewards points on all purchases they make at any participating Amcal pharmacy or at www.amcal.com.au, other than for excluded items. Excluded items include gift cards, prescriptions products advertised as being excluded and products where the granting of points would be otherwise be prohibited by law. Amcal Rewards points will not be earned on redemptions. Members will receive 1 Point for every 20¢ spent (5 Points per $1.00) on non-excluded items. Bonus points may be offered from time to time. If you do not have your Amcal Rewards Card with you at the time of purchase you can return to the point of purchase within 30 days with a copy of your receipt and your Amcal Rewards Card and the points will be credited to your account. Transactions processed online must include your Amcal Rewards membership number in order to earn points, points cannot be allocated retrospectively to online transactions. Secondary Amcal Rewards Cards will not earn points for online transactions.

⁴ This offer is valid for eligible Medibank members linking their Medibank membership with Amcal Rewards membership through the Medibank Live Better app before 31 December 2019. Each Medibank Live Better account can only be linked to one Amcal account. Live Better points could take 30 days from the date of linking to be loaded to the member’s Live Better account. The offer may be withdrawn or changed at any time.

Live Better Points will be displayed in your Medibank Live Better account within 10 days of making  an instore purchase. Live Better Points will not be earned on purchases from Amcal online, prescription purchases or purchase amounts that have been paid for with an Amcal e-Gift Card, Gift Card or coupon, or via Amcal Rewards points. Live Better Points will not be applied unless the Medibank Live Better account is successfully linked to the Amcal Rewards membership account prior to purchase. Each Medibank Live Better account can only be linked to one Amcal account. Live Better Points cannot be awarded retrospectively. This offer may be withdrawn or change at any time.

Limited to two dental check-ups on all extras annually. Maximum two bitewing x-rays per check-up, where clinically needed. Not available in all areas. 2 month waiting period applies. 

6 month waiting period applies. Some lens coatings excluded.

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

Only available on join using the promo code AMCAL. Not available with any other offer or discount. These term and conditions are subject to change without notice.

Travel Insurance
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 issues the insurance on behalf of the insurer. The issuer is Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). Please review your own needs and consider the Combined FSG/PDS available from Medibank stores or medibank.com.au/travel to decide if this product is right for you.

Pet Insurance
Terms, conditions and waiting periods apply. Medibank Pet Insurance is general insurance issued by the insurer The Hollard Insurance Company Pty Ltd (ACN 090 584 473; AFSL 241436) (Hollard), is promoted by Medibank Private Limited (ACN 080 890 259; AR 286089) (Medibank) and administered by PetSure (Australia) Pty Ltd (ACN 075 949 923; AFSL 420183) (PetSure). Medibank acts as an authorised representative of PetSure. Medibank will receive a commission which is a percentage of the premium paid to Hollard and PetSure may receive a portion of the underwriting profit, if any - ask PetSure for more details

¹º Waiting periods you have not fully served with your previous fund may still need to be served. Waiting periods for any new or upgraded services or higher benefits apply. Benefits that have been paid under your previous cover will be taken into account in determining the benefits payable under your Medibank cover.