Health insurance for young adults

Health insurance could be more affordable with a Young Adult Discount.

Health insurers can now offer a discount on eligible hospital cover to 18-29 year olds with the aim to make health insurance more accessible for younger Australians. Have a look at the products below – these are just a few of the options that might best suit younger people. NOTE: The Young Adult Discount only applies to the hospital component of the product.

*Prices below are based on

This is used to calculate any Australian Government Rebate (AGR) you may be entitled to.If you’re unsure how to calculate your income, this ATO calculator can help.


We can help - Leave your details and a Medibank expert will contact you to help you find the right cover. In providing your telephone number, you consent to Medibank contacting you about health insurance.

The amount you pay before Medibank contributes to your hospital costs.

The amount you can claim back at Members’ Choice providers, up to annual limits. Fixed amounts apply at non-Members’ Choice providers, up to annual limits.

Waiting periods and annual limits may apply

# Waiting periods apply. For ambulance attendance or transportation to a hospital where immediate medical attention is required and your condition is such that you couldn’t be transported any other way. TAS and QLD have state scheme that provide ambulance services for residents of those States.

^ You'll receive a fixed percentage back on specified services provided by Medibank Members' Choice providers only up to annual limits. 

+ Covers with Restricted or Excluded services will be treated as Included services where treatment is required for injuries sustained in an Accident that occurs after joining this cover. Treatment must be sought within 7 days of the Accident. Excludes claims covered by third parties such as Workcover and our Private Room Promise. Out of pockets may apply. Refer to your Cover Summary.

Why get health cover?

There's more to health cover than just covering your costs when you get sick. In fact, you'd be surprised how many of life's big questions can be answered by health cover.

Discounts for younger Australians

We’ll be able to offer discounts to 18-29 year-olds taking out their own eligible hospital cover.

Like a good selfie or 20?

Then make sure your smile is up to it. Medibank members with extras cover for 2 months or more can get 100% back on up to two dental check-ups at a Members’ Choice Advantage dentist every calendar year, including bitewing x-rays.¹

Live better, get rewarded

We think Australians should be rewarded for looking after their health. That’s why Medibank members with hospital or extras cover can now earn rewards with Medibank Live Better. They can get savings on their health cover, more on their extras cover, or great rewards from our partners, simply by looking after their health and wellbeing.2

Are you a serial shopper?

Enjoy special offers from some of your favourite brands, including Fitbit®, Palace Cinemas, and Sunglass Hut, plus member discounts on Medibank Pet Insurance & Travel Insurance.

Hospital & Extras offer - Want 6 weeks free and up to $500 in gift cards?

Join and maintain eligible Bronze hospital and extras cover or above and you could get 6 weeks free plus 50,000 Live Better Points (couples and families) or 25,000 Live Better Points (singles and single parents) to redeem on rewards like gift cards. We'll also waive 2&6 month waiting periods on extras. Offer ends 31 March 2024. New members only.€ Use promo code: 6WEEKSPLUS

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More reasons to join Medibank

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Medibank Live Better: Access online guides, free activities, the Live Better app

Medibank stands for better health and wellbeing for all Australians. That's why we've created Live Better, to help you towards a better, healthier life2.

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Are you a weekend warrior or sports star?

Get a tune-up for a big match, or panel beating afterwards. Our Extras cover can help take the edge off the cost of physio, chiro, and remedial massages. **

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Does trouble always end up finding you?

With Medibank you can get cover for accidents⁺ as part of your hospital cover should the unexpected happen.

Frequently Asked Questions

First time with health insurance?

Read our handy guides for some tips on how to buy health insurance and know what to look out for.

Things you should know

1 Members can claim a maximum of two 100% back dental check-ups per member, per year—either two check-ups at a Members’ Choice Advantage dentist (including up to two bitewing x-rays per check-up where required), or a first check-up at a Members’ Choice dentist (excluding x-rays) and a second check-up at a Members’ Choice Advantage dentist. These check-ups do not count towards annual limits. Waiting periods apply. 

2. Must be 18 years or over and have a valid Australian residential address to register for Medibank Live Better. Must be a Medibank member with hospital cover, extras cover, or hospital and extras cover, be up-to-date with premium payments and have signed up to Medibank Live Better  with ‘My Medibank’  or have linked their My Medibank account with their Live Better account to redeem rewards. Excludes Overseas Visitor health cover, Working Visa health cover, Overseas Student Health Cover (OSHC), Ambulance only cover, ahm covers and other selected covers. Additional terms and conditions may apply to the redemption of a reward depending on the type of reward chosen. See full Medibank Live Better terms.

** Only available on selected extras covers.

€ For new members on new memberships who join and start eligible combined Bronze hospital and extras cover or above from 24 January – 31 March 2024 and who have not held Medibank health cover in previous 60 days (unless they are dependents coming off their parent’s cover). Must quote promo code ‘6WEEKSPLUS’ and set up direct debit when joining. Excludes Hospital only cover, Extras only cover, Basic covers, Corporate covers, Accident Cover, Ambulance Cover, Overseas Visitors Cover (OVC), Overseas Students Health Cover (OSHC), Overseas Workers Health cover, Travel Insurance, Pet Insurance, Funeral Insurance, Life Insurance & Income Protection, ahm covers and all corporate covers. Not available with any other offer. Medibank may end this offer or amend these offer terms and conditions at any time without notice.  Medibank employees are not eligible for this offer.

6 weeks free terms: Must maintain direct debit and hold eligible cover for 42 consecutive days from the policy start date to get next 6 weeks free. The 6 weeks free will not be issued if you change to an ineligible cover, terminate your cover or suspend your cover during this period.

2&6 month waits waived on extras terms: 2&6 month waiting periods on extras waived. Other waiting periods apply (including 12 months on some dental services). If you're switching from another fund and you’ve used any of your current limits (at that fund), that will count towards your annual limits with us.  If you've reached your limits at your previous fund you may not be able to claim straight away on extras.

Live Better points terms: Must maintain direct debit and hold eligible product for 42 consecutive days from the policy start date to receive Live Better points. The points will not be issued if you change to an ineligible cover, terminate your cover or suspend your cover during this period. Policyholder will require access to a smartphone and will need to download the My Medibank App. Policyholder will need to have registered a My Medibank account, sign up to Live Better via the My Medibank App and track any Live Better activity within 42 consecutive days from the policy start date.  Policyholder must also maintain direct debit and continue to hold an eligible product for 42 consecutive days from the policy start date to receive the Live Better Points. Must be 18 years or over and have a valid Australian residential address to register for Medibank Live Better. Live Better points could take up to 10 weeks from the policy start date to be loaded to the policyholder’s Live Better account. Singles and single parents will receive 25,000 Live Better points, and families and couples will receive 50,000 Live Better points.

Live Better rewards terms: Must be a Medibank member with eligible hospital cover, extras cover, or hospital and extras cover, be up-to-date with premium payments and have signed up to Medibank Live Better via the ‘My Medibank’ app to redeem rewards. Additional terms and conditions may apply to the redemption of a reward depending on the type of reward chosen. Read full Medibank Live Better terms here: https://www.medibank.com.au/livebetter/rewards/terms/