Health cover for young adults
Health insurance could be more affordable with a Young Adult Discount.
Health insurers can offer a discount on eligible hospital cover to 18-29 year olds with the aim of making 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.
Learn more about the Young Adult Discount and how much you could save.
NOTE: The Young Adult Discount only applies to the hospital component of the product.
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
Hospital & Extras offer - Want up to 12 weeks free plus up to $500 in gift cards?
Join and maintain eligible Bronze hospital and extras cover or above and you could get up to 12 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. Use promo code: 12WEEKSPLUS. Offer ends 15 July 2025. New members only.€
Get a quote Find out more
Why consider health insurance?
Health insurance is more than just helping you feel protected when it comes to your health. As a Medibank member, you can access member perks, partner discounts and services to help you reach your potential.
Get access to discounts
As a Medibank member with Live Better rewards1, you can get 20% off select gym memberships at Goodlife, Fitness First or Zap Fitness.2
Plus, if you're a Medibank health insurance member, you can enjoy a 15% discount on award winning travel insurance all year round.3
Be rewarded
Live Better is a health and wellbeing program inspiring, supporting and rewarding you to eat, move, and feel better, all while enjoying the things you do every day.
Medibank members with eligible Hospital or Extras cover could earn up to $400 a year in rewards4 by redeeming the points earned for taking healthy actions.1
Could you save money on tax with Hospital cover?
If your annual income5 is over $101,000 as a single (or $202,000 as a single parent/couple/family) and you or any of your dependents5 don't hold an appropriate level of Hospital cover, an additional tax surcharge starting at 1% (up to 1.5%) may apply to you.
Use our Medicare Levy Surcharge Calculator to find out if it could apply to you.
Ways you could get the most value out of your extras cover
What sets Medibank apart?
24/7 Medibank Mental Health Support
Medibank health insurance members can chat with a mental health professional over the phone or online at no extra cost.9
Accident Cover Boost
If you have an Accident, you’ll have access to all clinical categories included in Gold level hospital cover, no matter what level of hospital cover you have, thanks to our Accident Cover Boost.+
Unlimited emergency ambulance
No matter which Hospital or Extras policy you choose, you'll have the peace of mind that comes from knowing that your cover includes unlimited emergency ambulance.^
100% back on dental check-ups twice a year on eligible extras
With eligible extras cover you get 100% back on up to two check-ups each year at a Members' Choice Advantage Dentist (including bitewing x-rays where clinically required).7
100% back on optical on eligible extras
At Medibank we think you deserve to see the world clearly. That's why when you join eligible Medibank extras you get 100% back on optical items at all recognised providers up to annual limits.10
No waiting periods on psychology and counselling consultations
No waiting periods for consultations with psychologists, counsellors and mental health social workers on eligible Medibank extras and packaged products.11
Never had 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
^ Waiting period applies. 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 schemes that provide ambulance services for residents of those States.
= Eligible members on Medibank extras (excluding Healthy Living Extras and Gold Ultra Health) can claim a maximum of two 100% back dental check-ups per member, per year at a Members’ Choice Advantage provider (including bitewing x-rays where clinically required). For members on eligible extras, the first two check-ups do not count towards your annual limit. Members with Healthy Living Extras can get 100% back on one dental check-up each year at a Members’ Choice Advantage provider (including up to two bitewing x-rays, where clinically required) or at a Members’ Choice provider (excluding x-rays). Members with Gold Ultra Health can get 100% back on up to three dental check-ups at a Members’ Choice or Members’ Choice Advantage provider. Members’ Choice and Members’ Choice Advantage providers are not available in all areas. Two month waiting period applies. Some products may have other dental benefits, check your cover summary for details.
^^ Two month waiting period and $40 annual limit apply. Benefits are payable towards the influenza vaccine only and not payable towards any other fees, including administrative fees or GP consultations. Some individuals may be eligible for free influenza vaccines under a Commonwealth or State scheme, such as the National Immunisation Program, or similar schemes. Benefits are not payable where influenza vaccines are administered under such a scheme.
# Medibank has Members' Choice providers for these services only. By choosing a Members' Choice provider you are guaranteed to receive the percentage back shown on the cover.
¶ Counsellors must be registered with Australian Counselling Association, Psychotherapy and Counselling Federation of Australia, Australian Traditional Medicine Society. Mental Health Social Workers must hold a mental health accreditation by the Australian Association of Social Workers. Medibank will pay benefits towards pharmacogenetic tests for all conditions. Benefits will only be paid towards pharmacogenetic tests administered in-person, or for approved home kits where supporting documentation from a medical practitioner outlining the clinical purpose is supplied.
+ For Accidents that occur in Australia after your cover starts. Must seek medical treatment within 7 days, and receive hospital treatment within 12 months of the Accident occurring. Excludes Private Emergency Department Benefit, hospital bonus, claims covered by third parties and our Private Room Promise. Out-of-pocket costs may apply.
1 Must be 16 years or over to register for Medibank Live Better rewards in the My Medibank app. Some program partners and earning activities require a person to be at least 18 years of age to be eligible to earn and/or redeem a reward. Must be a Medibank member with hospital cover, extras cover, or hospital and extras cover, and be up-to-date with premium payments. Excludes Overseas Student Health Cover (OSHC), Ambulance only cover, ahm covers and other selected covers. Live Better Management Pty Ltd, ACN 003 457 289 has entered into commercial arrangements with Medibank Live Better program partners and may receive commissions. Please choose carefully as rewards will not be amended, cancelled, exchanged or refunded due to change of mind. Points earning activities and rewards are subject to change without prior notice and may be subject to availability. Additional terms and conditions may apply to points earning activities and rewards. See full Medibank Live Better rewards terms.
2 20% gym discount with Fitness First and Good Life Health Clubs applies to new, full price 12 & 18 month Platinum memberships purchased by eligible Medibank members with hospital or extras cover. The 20% discount with Zap Fitness applies to any 12 or 18 month membership. Not available in conjunction with any other offers or discounts. To obtain the discount, simply present your photo ID, Medibank Membership Card and the partner offer page within the My Medibank app when signing up at any participating gym. The name and email address used to sign up at the gym or online must exactly match the details attached to your Medibank account in order to earn Live Better points for attending the gym. By signing up to this offer you permit Fitness & Lifestyle Group to share your personal information (including name, date of birth, contact details, gym location and gym attendance records) with Medibank and Live Better. Medibank and Live Better will collect this information to assess your eligibility for Live Better points, award the Live Better points and to monitor uptake of the Live Better program. If you elect not to share this information you will not be eligible for the discounted gym membership or Live Better Points. Medibank’s Privacy Policy (https://www.medibank.com.au/livebetter/rewards/terms/) contains information about how you can seek access to, and correction of, your personal information, or make a complaint about a breach of the Australian Privacy Principle. Full gym membership terms and conditions can be found at https://www.fitnessfirst.com.au/terms-and-conditions/, https://www.goodlife.com.au/terms-and-conditions/ or https://www.zapfitness.com.au/terms/. This offer may be withdrawn at any time.
3 Winner of Mozo’s 2023 Expert Choice Award for: Exceptional Quality Travel Insurance; Exceptional Quality Travel Insurance Annual Multi-Trip; and Exceptional Value Annual Multi-Trip. Winner of Canstar’s 2023 Most Satisfied Customers – Travel Insurance Award. Limits, sub-limits, exclusions and conditions apply. This is general advice only. Medibank Private Limited, ABN 47 080 890 259, an Authorised Representative, AR 286089, of Travel Insurance Partners Pty Limited, ABN 73 144 049 230 AFSL 360138 arranges the insurance on behalf of the insurer. The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507. Please consider your own needs and the Combined FSG/PDS to decide if this product is right for you. For information on the Target Market and Target Market Determinations, visit medibank.com.au/travel-insurance/help/
4 Live Better rewards members could earn up to 40,000 Live Better rewards points each calendar year for successfully completing select Live Better rewards points-earning activities. These activities include, but are not limited to, health and wellbeing challenges, the Weekly Goal, onboarding actions, partner activity earn and the daily auto-tracking bonus. This does not include points earned by shopping with Live Better rewards partners or visiting Members' Choice Advantage providers. 40,000 Live Better points could be redeemed for up to $400 worth of rewards from the Live Better rewards store.
5 The single parent/couple/family income threshold is increased by $1,500 for each MLS dependant child after the first child. 'income’ and 'dependants' have a specific meaning for Medicare Levy Surcharge purpose. Learn more.
6 Average fee for a GP standard (Level B) consultation (including Medicare rebate) from Health of the Nation report 2023 by The Royal Australian College of General Practitioners. Some referred services may involve out of pocket costs and waiting periods may apply.
Nurses may provide advice about health concerns, including when to see a doctor or other medical professional or go to an emergency department. Service should not be used in an emergency or life-threatening situation – call triple zero (000). This is general advice and not health advice tailored to meet your individual health needs. Always consult a trusted health professional before making decisions about your health care. We can’t guarantee that the information is accurate, complete or up-to-date. While we may mention goods or services provided by others, we aren’t endorsing them and can’t accept responsibility for them. For these reasons we are unable to accept responsibility for any loss that may be sustained from acting on this information (subject to applicable consumer guarantees).
7 Eligible members on Medibank extras (excluding Healthy Living Extras and Gold Ultra Health) can claim a maximum of two 100% back dental check-ups per member, per year at a Members’ Choice Advantage provider (including bitewing x-rays where clinically required). For members on eligible extras, the first two check-ups do not count towards your annual limit. Members with Healthy Living Extras can get 100% back on one dental check-up each year at a Members’ Choice Advantage provider (including up to two bitewing x-rays, where clinically required) or at a Members’ Choice dentist (excluding x-rays). Members with Gold Ultra Health can get 100% back on up to three dental check-ups at a Members’ Choice or Members’ Choice Advantage provider. Members’ Choice and Members’ Choice Advantage providers are not available in all areas. Two month waiting period applies. Some products may have other dental benefits, check your cover summary for details.
8 Members’ Choice Advantage providers are not available in all areas. Waiting periods and annual limits apply.
9 Some referred services may involve out of pocket costs and waiting periods may apply.
10 Excludes Healthy Living Extras and select products that are no longer available for sale (for more information check your cover summary or check this page). Applies to prescription glasses and select contact lenses. Some glasses lens coatings and contact lenses are excluded. To find which specific items are included or excluded, call us on 132 331. 6 month waiting period applies.
11 For members with mental health support included in their extras cover. Annual limits apply. Counsellors must be registered with Australian Counselling Association, Psychotherapy and Counselling Federation of Australia, Australian Traditional Medicine Society. Mental Health Social Workers must hold a mental health accreditation by the Australian Association of Social Workers.
12 Members’ Choice providers are not available in all areas and may change without notice.
€ For new members on new memberships who join and start eligible combined Bronze hospital and extras cover or above from 14 May – 15 July 2025, AEST 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 12WEEKSPLUS and set up direct debit when joining. Must have Australian residence. Excludes Basic cover, Corporate covers, Hospital only cover, Extras only cover, Accident Cover, Overseas Visitors Health Cover, Overseas Workers Health Cover, Overseas Students Health Cover (OSHC), Ambulance Cover, ahm covers, and other selected covers. Not available to Medibank employees. Not available with any other offer. Medibank reserves the right to amend these Terms and Conditions from time to time.
Weeks free terms: Must remain up-to-date with premium payments and hold eligible cover for 42 consecutive days from the policy start date to get initial 6 weeks free, and for 15 consecutive months to receive subsequent 6 weeks free. The initial 6 weeks free will be applied at the next billing cycle after you have held eligible cover for 42 consecutive days. The subsequent 6 weeks free will be applied at the next billing cycle after you have held eligible cover for 15 months. 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. Discounted amount to reflect level of eligible cover at time of discount.
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 16 years or over to register for Live Better. Live Better rewards 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 25,000 Live Better rewards points, and families and couples will receive 50,000 Live Better rewards 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/