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Switching health insurance is simple & easy
1. Find your cover
We help you find the health insurance that best suits your needs.
2. Let us do the paperwork
Simple and easy. We’ll cancel your old membership for you.
3. No waiting periods again
There’s no need to re-serve waiting periods you’ve already served with your old fund^.
Live better with 6 weeks free
Join eligible combined hospital & extras cover by 30 December and you could get 6 weeks free. Plus - we'll waive your 2&6 month waits on extras. New members only. ‡ Use promo code: 6FREE
Get a quote Find out more
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.
More reasons to join Medibank
100% back on dental twice a year
Here’s something to smile about – all Medibank members with Extras cover can get 100% back on up to two dental check-ups every year at any Members' Choice Advantage Dentist. Plus, these check-ups don't count towards your general dental limits.¹
Accident cover boost
If you have an Accident, you’ll get the benefits of our top-level hospital cover, no matter what level of hospital cover you have².
Unlimited Emergency Ambulance
No matter which hospital or extras policy you choose, you’ll have the peace of mind that comes from knowing that your cover includes unlimited emergency ambulance.³
My Medibank App
Our app makes it easy to check your cover details and keep on top of your extras limits and waiting periods. Plus, you can find a Members’ Choice provider, make changes to your details and make a claim.⁴
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 hospital and extras from 1 December – 30 December 2021 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 6FREE and set up direct debit when joining. Excludes 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: Must maintain direct debit and hold eligible product for 30 continuous days from the policy start date to get next 6 weeks free. 2&6 month waits waived on extras: 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.
Have questions?
Our team of experts are ready to help!
Fill in the form below or get in touch by calling our dedicated line 1300 110
086.
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Or, check out our FAQs and guides to help get you started.