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Is health insurance better for you?

When it comes to health, ‘better’ is different for everyone. Work out if health insurance is better for you with our ‘People Like You’ tool and hear what other Australians had to say.

Get your free ‘People Like You’ profile report

We’ve crunched the claims data of our members to find out what’s sending people like you to hospital.

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You'll see a snapshot of common hospital procedures and covers that might be suitable for people like you.

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Is health insurance better if...

Watch real people talk about their personal experiences

...I am planning a baby?

Sarah went through the private system with an obstetrician for her pregnancy. Karuna went through a group midwifery program in the public system. Learn more

...I need a knee reconstruction?

Jarrod and Jamie are back playing the sports they love after tearing their ACL. One had surgery through the private system, the other through public system. Learn more

Read about the differences between the public and private systems when it comes to other common procedures.

Frequently asked questions

What should I consider when comparing health insurance?

Understand the basics of health cover so you can compare what's important.

Is it easy to switch funds?

We can help you switch funds without the hassle of paperwork.


Why Medibank?

You could get 100% back on optical and an annual dental check-up.

There may be different times in your life when you need to think about health insurance, but it may be complicated if you're new to it. These guides will help answer your questions.

Canstar Awarded 'Outstanding value insurance' 11 years in a row. 

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

* - For new members on new memberships who have not held Medibank cover in the last 60 days and who join and start eligible combined hospital and extras cover from October 1, 2018, while stocks last. Must quote promo code SPECSAVERS and set up (and maintain for at least 45 consecutive days from policy start date) direct debit when joining. Excludes Accident Cover, Ambulance Cover, Visitors Health Insurance, Working Visa Health Insurance, OSHC, ahm covers, Corporate covers and other selected covers. Not available with any other offer. Gift card terms: Must maintain eligible cover and direct debit for 45 consecutive days after the policy start date. Gift card could take up to 8 weeks from the policy start date to arrive by post. Singles and single parents will receive a $200 Specsavers gift card, and families and couples will receive a $400 Specsavers gift card. Gift card can be redeemed at Specsavers stores, is not transferrable and is valid for 12 months from date of issue. Card must be activated within 6 months of issue. For full terms and conditions on activating and using your card see 2 & 6 waiver terms: 2 and 6 month waiting periods on extras waived. Other waiting periods apply. If you’ve reached your limits from a previous fund you may not be able to claim straight away.