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Canstar awarded ‘Outstanding Value Insurance’ 14 years in a row
We’re proud to deliver outstanding value health insurance products designed to suit your needs. But don’t just take our word for it.
Can I switch health insurance at any time?
Yes, 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 recognised and waived.
What if I change my mind?
If you're not completely happy with your cover in the first 30 days of joining, simply let us know and we can help you transfer to a more suitable cover or refund your premiums provided no claims have been made.
Do waiting periods get recognised?
Waiting periods already served only get recognised if you join within 2 months of leaving your previous Australian health fund.
You may still need to serve any waiting periods you have not fully served with your previous fund. Waiting periods for any new or upgraded services or benefits apply.
If you're unsure about your level of cover and what waiting periods you'll need to serve, call us on 134 190
Extras and benefits paid under your previous cover will determine the extras and benefits payable under your new Medibank cover.
Things you should know
^ You need to join Medibank within 2 months of leaving your old fund, or waiting periods apply again. Also, benefits that have been paid under your previous cover will be taken into account in determining the extras benefits payable under your Medibank cover.
¹ Two month waiting period applies. 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 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.
³ Waiting periods apply. For ambulance attendance or transportation to a hospital where immediate professional attention is required and your medical condition is such that you couldn't be transported any other way. Tasmania and Queensland have state schemes to cover ambulance services for residents of those states.
⁴ Some claims, like paper based, may take longer to update. If you have Visitors Health Insurance, Working Visa Health Insurance or Overseas Student Health cover, you may not be able to use all the features.
‡ For new members on new memberships who join and start eligible combined bronze hospital and extras cover or above from 16 June – 30 June 2022 and who have not held Medibank health cover in previous 60 days (unless they are dependents coming off their parent’s cover). Must quote promo code ‘EVENBIGGER’ and set up direct debit when joining. Excludes Basic Covers, 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. 6 weeks free terms: Must maintain direct debit and hold eligible product for 42 consecutive days from the policy start date to get next 6 weeks free. 2&6 month waits waived on extras terms: 2&6 month waiting periods on extras waived. Other waiting periods apply (including 12 months on some dental services). If you're switching from another fund and you’ve used any of your current limits (at that fund), that will count towards your annual limits with us. If you've reached your limits at your previous fund you may not be able to claim straight away on extras. Live Better Points terms: Must maintain direct debit and hold eligible product for 42 consecutive days from the policy start date to receive Live Better points. Singles and single parents will receive 25,000 Live Better Points, and families and couples will receive 50,000 Live Better Points. Policyholder will require access to a smartphone and will need to download either the Live Better stand-alone app or the My Medibank App and track any Live Better activity within 42 from the policy start date. 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 42 days from the policy start date. Live Better points could take up to 10 weeks from the policy start date to be loaded to the policyholder’s Live Better account. Live Better 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/
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