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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^.
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
Better Value Extras
Every Medibank Member with Extras cover gets 100% back on up to two annual dental check-ups with x-rays at any Members’ Choice Advantage dentist, after serving the two month waiting period.¹ Plus, members also get 100% back on optical items at all recognised providers, up to annual limits. ²
My Medibank app
Most members can view their extras limits on the go³, plus you can also make a claim on a wide range of extras with the My Medibank app
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 have⁴.
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 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 Waiting periods apply. Some services, like lens coating, aren’t included.
3 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.
4 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.
‡ For new members on new memberships who join and start eligible combined hospital and extras from 1 April – 30 June 2020 and who have not held Medibank health cover in previous 60 days. Must quote promo code 6FREE and set up direct debit when joining. 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. 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.
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.
We are open on Sundays.
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Or, check out our FAQs and guides to help get you started.