Health insurance for young adults

Health insurance could be more affordable with a youth 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 youth 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.

Waiting periods and annual limits may apply

# Tasmania and Queensland have State schemes that cover 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.

Icon Star

Discounts for younger Australians

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

Icon Mobile

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

Icons young adult

Are you afraid of commitment

Work out on your terms with GymBetter® and enjoy pay-as-you-go access to gyms across Australia for as little as $8.50 a visit.

Icon Tag

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 & Travel Insurance.

Want up to $400 worth of gift cards?

Join eligible Medibank hospital & extras by October 31 and complete a Live Better goal or challenge to receive: 20,000 points (singles) or 40,000 points (couples/families) to redeem on rewards. Plus - we'll waive your 2&6 month waits on extras. New members only.‡ Must use promo code: LIVEBETTER

Get a quote Find out more

More reasons to join Medibank

Icon ambulance

Do you like being chauffeured around?

If you’re accident prone and have the ambulance on speed dial, you’ll be glad to know Medibank will cover unlimited Emergency Ambulance# callouts.

Icon Excess

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.

Icon accident

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. 

‡ For new Medibank members on new memberships who join and start eligible combined hospital and extras from 1 September – 31 October 2021 and have not held Medibank health cover in the previous 60 days (unless a dependent coming off parent's cover). Must quote promo code ‘LIVEBETTER’ and set up direct debit when joining. Must maintain direct debit and hold eligible product for 28 continuous days from the policy start date in order to receive the offer. Excludes Corporate covers, Accident Cover, Ambulance Cover, Overseas Visitors Health Insurance, Overseas Students Health Cover (OSHC), Working Visa Health Insurance, ahm covers and other selected covers. Not available with any other offer. Live Better Points: Policyholder will require access to a smartphone and will need to download the My Medibank App and complete a Live Better goal or download the Medibank Live Better app, register a new account and successfully complete any one-week challenge or goal within 28 days of joining. Must be 18 years or over and have a valid Australian residential address to register for Medibank Live Better. Policyholder will need to have registered a My Medibank account and linked their My Medibank account with their Live Better account within 28 days after the policy start date. Live Better points could take up to 8 weeks from the policy start date to be loaded to the policyholder’s Live Better account. Singles and single parents will receive 20,000 Live Better Points, and families and couples will receive 40,000 Live Better Points. Rewards terms: 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 MyMedibank account with their Live Better account 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/ 2&6 month waits waived on extras: 2&6 month waiting periods on extras waived. Other waiting periods apply (including 12 months on some dental services). If you’ve reached your limits from a previous fund you may not be able to claim straight away.

Have questions?

Our team of experts are ready to help!

Enter your postcode to find your nearest store to have a face-to-face chat!

Fill in the form below or get in touch by calling our dedicated line 1300 110 086.
We are open on Sundays.

In providing your telephone number, you consent to Medibank contacting you about health insurance.

We'll have someone call you soon to help with any questions you have.

contact us