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Canstar awarded ‘Outstanding Value Insurance’ 13 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 hospital and extras from 5 January and 28 February 2021 and who have not held Medibank health cover in the previous 60 days (unless they are a dependent coming off their parents cover). Must quote promo code ADIDAS and set up direct debit when joining. Not available on Accident Cover, Visitors Health Insurance, Working Visa Health Insurance, OSHC, Ambulance Cover, ahm covers, some Corporate covers and other selected covers. Not available with any other offer. E- gift card terms: Must maintain eligible cover for 40 consecutive days after the policy start date. E-gift card could take up to 8 weeks from the policy start date to arrive by email. Singles and single parents will receive a $200 adidas e-gift card, and families and couples will receive 2 x $200 adidas e-gift cards. E-gift card can only be redeemed at adidas’ online store, is not transferrable and is valid 12 months from date of issue. E-gift card must be activated within 3 months from date of issue. E-gift card cannot be redeemed on outlet items, on limited edition products, or on super exclusive products. E-gift card can only be used in a single transaction and any unused balance in that transaction will be forfeited. For full list of exclusions and gift card terms and conditions see https://www.adidas.com.au/promotion-medibank-live-betterprogram.html . E-gift card is subject to the adidas standard terms and conditions. For full terms and conditions on activating and using your card see www.medibankrewards.com.au. 2 & 6 waiver terms: 2&6 month waiting periods on extras waived. Other waiting periods apply (including 12 months on some dental services). Annual limits apply. If switching funds, limits used from your previous fund may be deducted. If you’ve reached your limits from a previous fund you may not be able to claim straight away.
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