Using your cover for mental health

Better minds are better informed. Find out how to make the most of your cover and support your mental health.

Mental health support for Medibank members

Whether you’re looking out for a family member or yourself; whether you have hospital cover, extras, or both, we’ll show you how your Medibank health cover can help you access a range of mental health support services.

Jump to section: Extras cover | Hospital cover | Member services

Extras cover for mental health support

Claiming for psychology and counselling

Generally speaking, extras services help us maintain our day-to-day health and wellbeing, such as dental check-ups and prescription glasses. So it’s no surprise that most Medibank Extras also pay benefits towards consultations with a psychologist or Medibank-recognised counsellor, to help you stay on top of your mental health. §

How much you get back for these services will depend on your level of extras cover and remaining annual limit. You can check both of these on the My Medibank app

No waiting periods on psychology and counselling

We believe it’s important for members to get timely access to mental health support. So even if you’ve just joined or recently upgraded your cover to include mental health support, we’ll pay benefits towards psychology and counselling consultations without the need to serve any waiting periods. §

Looking for cover that suits your mental health needs?

At Medibank, we’re all about supporting better health, no matter what form it takes.

Hospital cover for mental health support 

Exclusive tools and services

With Medibank Mental Health Phone Support, members with hospital cover can talk with a mental health professional over the phone, 24 hours a day 7 days a week on 1800 644 325.~

Or, if you prefer to manage your mental health on your own terms , you can download the Medibank Better Minds app, included with your hospital cover. Using proven techniques, the app empowers users to take a more proactive and hands-on approach to managing their mental health.

Read more about health support for members

Claiming for hospital psychiatric services

If you have Gold level hospital cover, and have served your waiting periods, Medibank can help pay towards hospital psychiatric services in a private hospital. Your cover can pay towards hospital accommodation and any medical charges raised by doctors where a Medicare benefit is payable. 

There may be out of pocket costs, which depend on the hospital you’re admitted to and what your treating specialists charge. Speak to your treating specialist about what your out-of-pocket costs may be. 

Mental Health Waiver

Eligible members^ with hospital cover who have already served a waiting period for Restricted hospital psychiatric services on basic, silver or bronze hospital cover, can choose to upgrade their cover to one with Included hospital psychiatric services, and have the 2-month waiting period for those higher benefits on psychiatric services waived. This waiver applies only once per lifetime.

To use the Mental Health Waiver contact us on 132 331 or via 24/7 live chat. You can also grant authority to another person to make changes to your policy on your behalf.

Talk to us about your cover and accessing services 

Contact Medibank when and how it suits you: online 24/7, in-store, by phone or through the My Medibank app.

Things you need to know

§ 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.   

~ OSHC members should call the Student Health and Support Line on 1800 887 283.

Δ For members with hospital cover. Some referred services may involve out-of-pocket costs.

Not available for members with extras only cover, Overseas Student Health Cover or Overseas Workers or Visitors Health Cover.

# Check your cover summary to see if these services are included on your extras cover and if annual limits apply.  Counsellors must be registered with Australian Counselling Association, Psychotherapy and Counselling Federation of Australia, Australian Traditional Medicine Society.   

^ To be eligible for the waiver, you need to have held hospital cover without a break of more than 2 months. You can only use the Mental Health Waiver once in your lifetime. The waiver only applies to the 2-month waiting period for the higher Included benefits for in-hospital psychiatric services and all other applicable waiting periods will continue to apply.

While we hope you find this information helpful, please note that it is general in nature. It is not health advice, and is not tailored to meet your individual health needs. You should always consult a trusted health professional before making decisions about your health care. While we have prepared the information carefully, we can’t guarantee that it is accurate, complete or up-to-date. And while we may mention goods or services provided by others, we aren’t specifically 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). 

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