Prices below are based on
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.
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
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.
More reasons to join Medibank
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.
Frequently Asked Questions
Following the changes on 1 April 2019, we’re only permitted to provide a Young Adult Discount to members who are aged between 18 and 29 and on an eligible hospital cover.
Although you are an existing Medibank member, the discount is based on your age on 1 April 2019. Unfortunately you will not be eligible for a discount, as you are already over the age of 29.
If you close your cover and re-join Medibank within 2 months, we will honour the Young Adult Discount percentage you had prior to closing your cover. This will only apply where your new hospital cover is eligible for the Young Adult Discount.
If you suspend your cover, your Young Adult Discount will be suspended at the same time. Note: suspensions are subject to Medibank’s Fund Rules and policies.
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.
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.