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.