Skip to main content Skip to main navigation

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.

Icons write

Tell us about you

We need a few details about you to personalise your report

Icon Show

View your profile report

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

Icon Email

Email a copy to yourself

Send a copy of your personalised report to your inbox.

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' 10 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. 

2&6 month waits waived

Join combined hospital and extras cover and we’ll waive the 2&6 month waits on extras*. That’s no waits for services like general dental, optical, physio and chiro. Use promo code WAIVER.

Things you should know

* - Offer for new members who join eligible combined hospital and extras cover. Must quote promo code WAIVER and set up direct debit when joining, and we’ll waive 2 & 6 month waiting periods on extras. Other waiting periods still apply, and if you’ve used up to your annual limit from a previous fund you may not be able to claim straight away. Excludes Accident Cover, Ambulance Cover, Visitors Health Insurance, Overseas Students Health Cover (OSHC), Working Visa Health Insurance, ahm covers, some Corporate covers and other selected covers. Not available if you’ve had a Medibank policy in the last 2 months. Not available with any other offer.