Switching health insurance

Looking to change your health insurance provider? Switching to Medibank is easy, at any time. Simply find a cover that suits your needs and leave the paperwork to us.

Switch Health Insurance

Switch to Medibank in 3 simple steps
 

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1. Find your cover

Compare heath insurance options and find cover that best suits your needs. If you need assistance, call us on 1300 576 282.

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2. Let us do the paperwork

Simple and easy. We'll contact your old fund, cancel your old membership and organise the transfer certificate.

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3. No waiting periods again

There’s no need to re-serve waiting periods you’ve already served with your old fund^,  so you'll be able to make the most out of your new cover straight away.

Hospital & Extras offer - Want 6 weeks free and up to $500 in gift cards?

Join and maintain eligible Bronze hospital and extras cover or above and you could get 6 weeks free plus 50,000 Live Better points (couples and families) or 25,000 Live Better points (singles and single parents) to redeem on rewards like gift cards. We'll also waive 2&6 month waiting periods on extras. New members only.€ Use promo code: 6WEEKSPLUS

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Hospital & Extras offer

Why switch to Medibank?

Medibank is a leading private health insurer, with more than 45 years of experience delivering better health to Australians.1

Getting health insurance could mean hospital cover, extras cover or a combination of the two. Find out why we could be the right choice for you with so many great product benefits no matter what option you choose.

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100% back on dental check-ups twice a year on eligible extras²

Here’s something to smile about – Medibank members with eligible extras cover for two months or more get 100% back on up to two dental check-ups every year.2

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Accident Cover Boost

With our Accidental injury benefit, you’ll be eligible for Gold level Hospital benefits if you have an Accident, regardless of your level of cover.3  

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24/7 Medibank Nurse + mental health phone support

Health concerns keeping you up at night? Members with hospital cover can speak to a registered nurse or mental health professional over the phone in relation to a general health or emotional concern at any time of the day or night.

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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.5

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Earn up to $400 worth of rewards every year⁶

With Live Better rewards, you can earn points by tracking healthy actions. And if you're an eligible Medibank member with hospital or extras, these points can go towards rewards from select partners such as THE ICONIC and Adidas, as well as select Apple products, extras limit increases or a $200 premium payment.6

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One of Australia's largest provider networks

Our Members’ Choice network generally offer capped fees or discounts to help reduce out-of-pocket expenses across dental, optical, physiotherapy and more.7 With over 3700 provider locations, our Members' Choice extras network is one of the largest in Australia.

Are you ready to make the switch?

Frequently Asked Questions

Medibank Canstar

Awarded Outstanding Value Health Insurance 16 years running

We’re proud to deliver outstanding value health insurance products designed to suit your needs. But don’t just take our word for it.

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 Based on the number of policies set out in APRA’s Operations of Private Health Insurers Annual Report 2021 for Medibank Private Limited.

2 Eligible members on Medibank extras (excluding Healthy Living Extras and Gold Ultra Health) can claim a maximum of two 100% back dental check-ups per member, per year at a Members’ Choice Advantage provider (including bitewing x-rays where clinically required). For members on eligible extras, the first two check-ups do not count towards your annual limit. Members with Healthy Living Extras can get 100% back on one dental check-up each year at a Members’ Choice Advantage provider (including up to two bitewing x-rays, where clinically required) or at a Members’ Choice provider (excluding x-rays). Members with Gold Ultra Health can get 100% back on up to three dental check-ups at a Members’ Choice or Members’ Choice Advantage provider. Members’ Choice and Members’ Choice Advantage providers are not available in all areas. Two month waiting period applies.Some products may have other dental benefits, check your cover summary for details.

3 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.  

4 OSHC members should call the Student Health & Support Line on 1800 887 283.

5 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.

6 Must be 16 years or over and have a valid Australian residential address to register for Medibank Live Better. 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. Excludes Overseas Student Health Cover (OSHC), Ambulance only cover, ahm covers and other selected covers. Additional terms and conditions may apply to the redemption of a reward depending on the type of reward chosen. See full Medibank Live Better terms.

7 Members' Choice not available in all areas. 

€ For new members on new memberships who join and start eligible combined Bronze hospital and extras cover or above from 22 April 2024 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 ‘6WEEKSPLUS’ and set up direct debit when joining. Excludes Hospital only cover, Extras only cover, Basic covers, Corporate covers, Accident Cover, Ambulance Cover, Overseas Visitors Cover (OVC), Overseas Students Health Cover (OSHC), Overseas Workers Health cover, Travel Insurance, Pet Insurance, Funeral Insurance, Life Insurance & Income Protection, ahm covers and all corporate covers. Not available with any other offer. Medibank may end this offer or amend these offer terms and conditions at any time without notice.  Medibank employees are not eligible for this offer.

6 weeks free terms: Must maintain direct debit and hold eligible cover for 42 consecutive days from the policy start date to get next 6 weeks free. The 6 weeks free will not be issued if you change to an ineligible cover, terminate your cover or suspend your cover during this period.

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. The points will not be issued if you change to an ineligible cover, terminate your cover or suspend your cover during this period. Policyholder will require access to a smartphone and will need to download the My Medibank App. Policyholder will need to have registered a My Medibank account, sign up to Live Better via the My Medibank App and track any Live Better activity within 42 consecutive days from the policy start date.  Policyholder must also maintain direct debit and continue to hold an eligible product for 42 consecutive days from the policy start date to receive the Live Better points. Must be 16 years or over and have a valid Australian residential address to register for Medibank Live Better. Live Better points could take up to 10 weeks from the policy start date to be loaded to the policyholder’s Live Better account. Singles and single parents will receive 25,000 Live Better points, and families and couples will receive 50,000 Live Better points.

Live Better rewards terms: Must be a Medibank member with eligible hospital cover, extras cover, or hospital and extras cover, be up-to-date with premium payments and have signed up to Medibank Live Better via the ‘My Medibank’ app 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/