Understanding the changes
If you transfer from another insurer on or after 1 April 2019 and you received the youth discount on your previous cover, Medibank will recognise that discount percentage on the eligible Medibank hospital cover. You just need to join Medibank within 2 months of leaving your previous insurer. Medibank will need a transfer certificate from the other insurer to confirm this.
The government has introduced rules to prevent health insurers in Australia from paying benefits towards some natural therapy services under resident products from 1 April 2019. This decision was made as the result of a review by the government into natural therapies, which found no clear evidence of the clinical effectiveness of these services.
It depends on your circumstances and which of the changes are applicable to you.
Premiums are calculated based on a number of factors and are adjusted each year on 1 April.
We’re only permitted to apply a discount from 1 April 2019 to members who are aged between 18 and 29 and on an eligible hospital cover.
Although you are an existing Medibank member, the discount would be based on your age on 1 April 2019. Unfortunately you will not be eligible for a discount, as you are already over the age of 29.
If you suspend your cover, your Youth Discount will be suspended at the same time. Note: suspensions are subject to Medibank’s Fund Rules and policies.
If you close your cover and re-join Medibank within 2 months, we will honour the Youth Discount percentage you had prior to closing your cover. This will only apply where your new hospital cover is eligible for the Youth Discount.
You may be required to pay the difference between the excess already paid and your new excess for subsequent hospital admissions during the same calendar year.
The following natural therapies will be removed from all Medibank products from 1 April 2019:
• Alexander Technique
• Bowen Therapy
• Western Herbalism
Remedial massage/myotherapy, Chinese medicine, acupuncture and exercise physiology will continue to be included on applicable Medibank extras products.
Yes, you can still claim up to your annual limits on all the natural therapy services included under your cover for treatment received before 1 April 2019.
Not necessarily, a priority membership 'gold card' indicates your priority status as a loyal Medibank member not the category of cover you hold.
You will only need to serve waiting periods for services not previously included under your cover or for any increased benefits or limits.