Medibank Member Hub

Discover how to make the most of your Medibank health cover. Learn about our services and benefits, and get support when you need it.

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Let’s get to know each other

Welcome to Medibank. Here’s everything you need to know about using your cover – including how to make a claim – in one helpful, easy to understand place. There are also resources on this page that you might want to revisit in the future, so keep the link handy!

Understanding your cover

Read through these helpful documents to understand your cover, the terms and conditions that apply to your membership, and the services and benefits we pay towards.

Member Guide

Overseas Visitors Cover Member Guide

Fund Rules

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Managing your cover

My Medibank is our handy app that lets you manage your cover, view your limits and book a provider near you, all in just a few taps. It’s also where you can download your digital Medibank card and access it anytime. 

How to register for My Medibank

Download the My Medibank App

Access your digital card

Log in to My Medibank

Using your cover

Making a claim

Find out how to claim online, in the app or via the downloadable claims form.
 

Finding a provider

Search for providers (like dentists and physios) near you.
 

Forms & brochures

Health insurance made easy with downloadable forms for everything you need.

Understanding your premiums

Learn about all the things that affect your premium and the payment options available to you.

What is a premium, and how is it calculated?


Your premium is the amount you pay to keep your health cover active. How much you pay depends on a few things, including:
 

  • The type of cover you’ve chosen

  • Who’s covered (just you, or your family too)

  • Your state or territory

  • Any rebates, surcharges or loadings that apply


Premiums are usually reviewed each year, and we’ll always let you know in advance if there are any changes.

Learn more about how premiums are calculated

What is the Australian Government Rebate?


To help you reduce the cost of your premium, it’s important that you apply for the Australian Government Rebate (AGR) on private health insurance. The Australian Government Rebate is an amount that the government puts towards your health cover to make it more affordable. Many Australians receive this rebate as a % reduction on their private health cover premiums, but alternatively, you can receive it as a refundable tax offset when you lodge your tax return.

Learn more about the AGR

What is Lifetime Health Cover loading (LHC)?


Lifetime Health Cover (LHC) loading is a government initiative to help ease the reliance on the public healthcare system and incentivise younger Australians to take out private health insurance earlier. It’s calculated based on your age when you first take out Hospital cover, and is usually 2% on top of your Hospital cover premium for each year you are without cover after the age of 30.

Learn more about LHC

How to pay your premium


Pay your premiums in the way that best suits you.
 

  •  Direct debit set up direct debit from a bank account or credit card so you never miss a payment

  • My Medibank pay instantly by logging in either online or on the app

  • Over the phone via our automated phone service on 1800 212 211

  • BPAY using your biller code and reference number

  • In person via Australia Post, or your nearest Medibank store
     

View our How to pay your premiums guide for more ways to pay, and tips on how to update your payment method.

Glossary

Health insurance comes with a few terms that can be tricky at first, so here are some common ones to help you feel more confident with your cover.

We’re here to help

Reach us at a time and place that suits you.

Chat to us online

 

Monday to Friday:

8am – 11pm AEST/AEDT

Saturday to Sunday:

9am – 9pm AEST/AEDT

General enquiries

Phone 1300 497 547

Opening hours (AEST)

Monday to Friday, 8am - 8pm
Saturday, 10am - 2pm
Sunday, closed

Request a call back

Visit us in store

Find a store near you

Corporate cover member

Employers

Phone 1300 045 670

Employees

Phone 1300 045 670

Employes

Online portal Register   

Overseas health cover members

General Enquiry

Phone 1300 690 194

OSHC Student Support Line

Phone 134 148

More ways to connect