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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 4 weeks free and up to $500 in gift cards?
Join and maintain eligible Bronze hospital and extras cover or above and you could get 4 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. New members only.€ Use promo code: 4WEEKSPLUS
Get a quote Find out more
More reasons to join Medibank
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.
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
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.
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.
Nope. Unlike some mobile phone contracts, you can change your mind at any time.
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.
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.
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.
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 25 January 2023 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 ‘4WEEKSPLUS’ and set up direct debit when joining. Excludes Hospital only cover, Extras only cover, Basic covers, Corporate covers, Accident Cover, Ambulance Cover, Overseas Visitors Health Cover, Overseas Students Health Cover (OSHC), Overseas Workers Health Cover, ahm covers and other selected 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.
4 weeks free terms: Must maintain direct debit and hold eligible cover for 28 consecutive days from the policy start date to get next 4 weeks free. The 4 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 cover for 28 consecutive days from the policy start date. 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 28 consecutive days from the policy start date. 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 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 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 with ‘My Medibank’ or have linked their My Medibank 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/
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