Changes to Private Health Insurance

Understanding the 2019 private health insurance reforms.

Why is the Australian government introducing changes to private health insurance?

The new changes aim to make health insurance simpler to understand for all Australians, and make it easier to compare hospital products to find the cover that best suits your needs. Depending on your level of cover you may be affected by these reforms, so we’re going to make the transition smooth and ensure you understand what they mean.

We’ll keep you up to date on the reforms as they come into effect but in the meantime, here’s an overview of what’s changing this year

Watch the video below to learn more about the health insurance changes.

Icon annual limit

Discounts for young Australians

We now offer aged-based discounts to 18-29 year-olds taking out eligible hospital cover.

Icon Excess-level

$750 excess

We also now offer hospital products with a $750 excess. Choosing a product with a higher excess can help reduce your health cover premiums.

Icon Growth

Changes to some natural therapy services

Following the government changes on 1 April 2019, all private health insurers are no longer permitted to pay benefits towards some natural therapy services.

Icon Information

Standard Definitions and introduction of Gold, Silver, Bronze and Basic product categories

We have started using ‘standard clinical definitions’ across our website and whenever you hear from us. The name of your product is also being updated so it can be classified as ‘Basic’, ‘Bronze’, ‘Silver’ or ‘Gold’ health insurance, to make it easier to compare.

What else is being introduced or changed?

  • We’re giving people with Restricted inpatient psychiatric services under their hospital cover the ability to upgrade and access higher benefits without an additional waiting period. The Mental Health Waiver can only be used once in a member’s lifetime across any private health insurer. 
  • Other changes include travel and accommodation benefits on some hospital covers for people in regional and rural areas who need to travel more than 200km for hospital treatment. 

To find out more about the government private health insurance changes, visit the Department of Health website.


More from Medibank

Icon Compass

Live Better

Health advice, recipes and lifestyle tips - inspire a healthier, happier you.

Icon Chat

Like us on Facebook

Keep up-to-date or chat with your friendly staff on Facebook.

Understanding the changes

Learn more about the private health insurance reforms

Gold, Silver, Bronze or Basic health insurance

Gold, Silver, Bronze or Basic health insurance: What’s right for you?

We’re rolling out all the Government’s health insurance reforms to make it easier to compare and choose health insurance that’s right for you.

What changes to health insurance mean for women’s health

What changes to health insurance mean for women’s health

From breast cancer to fertility treatments, here’s what the changes to health insurance mean for women’s health.

Is a $750 excess right for you?

Is a $750 excess right for you?

Medibank is rolling out all of the health insurance reforms to make it easier to compare hospital products and choose cover that best suits your needs, including the option to increase your excess to help lower your premium.


Have questions?

Our team of experts are ready to help!

Enter your postcode to find your nearest store to have a face-to-face chat!

Fill in the form below or get in touch by calling our dedicated line 1300 110 086.
We are open on Sundays.

In providing your telephone number, you consent to Medibank contacting you about health insurance.

We'll have someone call you soon to help with any questions you have.

contact us