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.²
100% back on optical
When you join Medibank extras you get 100% back on optical items at all recognised providers up to annual limits.³
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.⁴
Help the way you want it
Contact Medibank when and how it suits you; online 24/7, in store, by phone, or through the My Medibank app.
Accident cover boost
If you have an Accident, you’ll get the benefits of our gold level hospital cover, no matter what level of hospital cover you have.⁵
Medibank stands for better health and wellbeing for all Australians. That’s why we’ve created Live Better, to help you towards a better, healthier life, and reward eligible members for their loyalty.⁶
Save 15% on Medibank Travel Insurance if you are an Amcal Rewards Member7.
Use promo code AMCAL to receive your discount!
Save 10% on Medibank Pet Insurance if you are an Amcal Rewards Member7.
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 recognised8.
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 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.
³ 6 month waiting period applies. Some lens coatings excluded.
⁴ OSHC members should call the Student Health & Support Line on 1800 887 283.
5 For Accidents that occur after your cover starts and for which treatment is sought within 7 days. Excludes claims covered by third parties such as WorkCover and our Private Room Promise. Out of pockets may apply.
6 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 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. See full Medibank Live Better terms.
⁷ 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.
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.
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
⁸ 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.