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.
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 every year, including x-rays, at any Members’ Choice Advantage dentist.¹
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.
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.
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.
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.
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.
Refine your details
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.
Better health starts here ...
When it comes to better value health cover, we've got your back (shoulders, eyes, teeth and more)
Claim 70% back on the costs of included treatments at Medibank Members' Choice providers, up to annual limits.
We've negotiated a capped price so you won't be charged more than the agreed price.
If your provider is not part of our Members' Choice network, we still pay benefits up to a fixed benefit, which may be less than the provider charges, but may help reduce your out-of-pocket expenses.
Claim 60% back on the costs of included treatments at Medibank Members' Choice providers, up to annual limits.
We've negotiated a capped price so you won't be charged more than the agreed price.
If your provider is not part of our Members' Choice network, we still pay benefits up to a fixed benefit, which may be less than the provider charges, but may help reduce your out-of-pocket expenses.
We've got your questions covered
Most health covers allow a percentage of your costs to be claimed back on extras at Members' Choice providers (up to a specified Limit). Here's a quick example of how it works:
Your Remedial massage costs $80. Your cover allows you to claim 60% up to an annual combined Limit of $150. That means you can claim $48 for each of your first three massages.
Limits are the maximum amount of money you can claim back for a specific service (or combined services) each year. Generally, the higher your level of cover, the higher your limit.
Nope. Unlike some mobile phone contracts, you can change your mind at any time.
You can, but due to demands placed on the public system, there’s little choice in who looks after you, or when you can get treatment.
With private hospital cover, you get to choose your own doctor, and also when and where you can get treated.
Extras will cover you for general day-to-day health services like physio, teeth fillings, and prescription lenses - things that don't require trips to the hospital. Hospital cover can help cover the costs of treatments that require hospital admissions, such as shoulder and knee reconstructions.
Live Better with member perks
As a member, treat yourself to some great offers and discounts to support your health and wellbeing. And have a little fun too.
GymBetter
Save up to 25% on casual visits with GymBetter.
Fitbit
25% off Fitbit trackers and Aria scales.
Palace Cinemas
Enjoy discounted tickets at Palace Cinemas.
^ Waiting periods apply. For ambulance attendance or transportation to a hospital where immediate professional attention is required and your medical condition is such that you couldn't be transported any other way. Tasmania and Queensland have state schemes to cover ambulance services for residents of those states.
# Covers which have services that are normally Restricted or Excluded will be treated as an Included service where treatment is required for injuries sustained in an Accident that occurs after joining this cover. Excludes claims covered by third parties such as Workcover. Refer Cover Summary for full details.
* Excludes claims covered by third parties such as Workcover. For accidents that occur after join date. Treatment must be sought within 7 days of accident.
¹ Limited to two dental check-ups on all extras annually. Maximum two bitewing x-rays per check-up, where clinically needed. Not available in all areas.