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Legal information

Disclaimer

  1. By visiting and using the Medibank Private Limited website ('Site'), including any linked pages or information owned by Medibank Private Limited, you agree to be bound by and abide by the following terms and conditions.
  2. Any disputes arising from, in relation to or in connection with the information contained on this Site are to be governed by the law of the State of Victoria. By visiting and using the Site you unconditionally submit to the jurisdiction of the Courts of that State.
  3. The materials on this Site have been prepared for general information purposes only. The information on this Site, or on any other website accessed via this Site or otherwise, may not necessarily be accurate, complete or current. All results from the calculators are simulations which are indicative approximations only and are neither a quote nor a pre-qualification for cover.
  4. No person should act or fail to act on the basis of these materials. To the maximum extent permitted by law, Medibank Private and its officers, employees and agents disclaim any liability (including liability for negligence) to any person arising out of: any action or failure to act by any person in accessing, downloading, uploading, using or relying on or dealing in any way with any materials from the Site or from any other website on the Internet; any errors or omissions on the Site or on any other website on the Internet (including but not limited to errors or omissions arising as a result of the negligence of Medibank Private or its officers, employees and agents); or any delay or interruption in access to or use of the Site or any other website on the Internet (including but not limited to delay or interruption arising as a result of the negligence of Medibank Private or its officers, employees and agents).
  5. You accept all risks and responsibility for losses, damages, costs and other consequences resulting directly or indirectly from using the Site or any other website on the Internet and in relation to any information or material available from those sites. Medibank Private reserves the right, in its absolute discretion, to delete, alter or move any message or other posted material on the Site. Medibank Private is under no obligation to update any information on the Site, or to correct any inaccuracy on the Site that may become apparent at a later time.
  6. The information on this site is current at 17/05/2013. Rules and benefit levels may change from time to time. If you anticipate treatment or a procedure for which you are expecting a benefit from Medibank Private, please contact us BEFORE commencing treatment to establish whether the benefit you expect will be paid.

    Provider references

  7. Where Medibank Private advertises on behalf of a provider or appears by reference of logo or otherwise in an advertisement of any provider, to the fullest extent allowed by law, such advertising or reference is not to be construed as:
    a. an endorsement by Medibank Private;
    b. an acknowledgment or representation as to fitness for purpose by Medibank Private; or
    c. a recommendation or warranty of, for, or in relation to the product or service of the provider by Medibank Private;
    Accordingly, Medibank Private, to the fullest extent allowed by law, neither takes nor assumes any responsibility for the product or service provided. Members should rely on their own inquiries and seek any assurance or warranties directly from the provider of the service or product.

    Copyright

  8. The information provided in the Site, and its design, text, graphics and software, are (unless otherwise stated) copyright of Medibank Private.
  9. You are granted a revocable license to download the materials contained in this Site for your personal use, including for the purpose for transacting with Medibank Private. You must not otherwise modify, copy, reproduce, republish, frame, upload, post, transmit, distribute or provide a link to the contents of the Site in any way, except as expressly provided for on the Site, or with the written authorisation of Medibank Private. 

    Links and framing

  10. Medibank Private does not warrant the accuracy of any hypertext links provided on the Site, nor the suitability or accuracy of any content located at those links. Links and frames connecting the Site with other websites are for convenience only and do not mean that Medibank Private is associated with, endorses or approves those other websites, their content, or the people who run or contribute to them. Use or reliance on the content of those websites is at the user's own risk.

    Viruses

  11. Medibank Private does not represent or warrant that any files displayed or obtained from or through this Site, or and other website linked to it, are free from computer viruses or other defects. Any such files are provided, and may only be accessed or used, on the basis that the user assumes all responsibility for any loss, damage or consequence resulting directly or indirectly from the use of those files. Medibank Private's liability for such an event is limited to the resupply of those files.

    Warning regarding policy terms and availability

  12. All policies are subject to the terms and conditions of the Fund Rules, which are available for inspection at your nearest Medibank Private Store.

Medibank Private health insurance coverage is only available to Australian residents and holders of valid Australian visas.

If you have any questions about the issues covered in this site, please visit your nearest Medibank Store to speak to a Medibank Private representative or call 134190.

Medibank Social Media Pages General House Rules

Medibank has a number of social media accounts, which currently includes Facebook, Twitter and YouTube (collectively, the ‘Pages’).

All content on Medibank’s Pages is subject to the individual terms of use as prescribed by each social media channel. These include:

We encourage you to express your opinions and have open discussions, but we do ask that you act respectfully and responsibly.

We do not agree with or endorse, nor are we responsible for any comments, information, opinions, images or other content posted by individual users of our Pages. Such information does not necessarily reflect Medibank’s point of view, but rather that of the individuals who use our Pages. Medibank does not accept any responsibility or liability (either direct or indirect) for any loss or damage arising in connection with the use of (or reliance on) any information, links or other content posted on our Pages by individuals.

Medibank may remove content when it contains:

  1. offensive, abusive, obscene, profane, hateful or racist content
  2. content that is threatening, defamatory or contains a personal attack
  3. solicitations and advertisements by other organisations or endorsements of other products, services or organisations
  4. multiple or repetitive posts by a single or multiple users (often called SPAM)
  5. content that violates intellectual property rights of another party (eg. copyright)
  6. content that violates any law or regulation
  7. false, inaccurate or misleading comments
  8. content that personally identifies a person or group of people
  9. content that discloses any personal or financial information (eg. membership number or member contact details or anything connected to a policy or claim by a member as this information is private and confidential information)
  10. anything else Medibank considers inappropriate

We’ll review all content posted (including links) and remove if we think they’re inappropriate.

We want to share our health and wellbeing information with as many people as possible and our policy is to accept the majority of comments posted. However, repeated violations of our House Rules may cause the user to be blocked from one or more of our Pages.

While we want to be as helpful as we can, questions or issues related to specific Medibank products or services, claims or customer service issues should not be submitted via Medibank’s Page(s). Instead, please call us on 134 190 or visit www.medibank.com.au.

We’re happy for you to share and comment on our content provided that you don’t alter it and that you cite us as the source. The design of our Page(s) and content that we post is the copyright of Medibank and our rights are reserved.

Whilst social media is 24/7, currently we’re not able to monitor our Page(s) around the clock. Because we may not be aware of inappropriate content straight away, we encourage users to ignore inappropriate or negative comments and respond politely. We also hope that you’ll tell us about any concerns via the email address below.

Please note that the information provided is general information only and not a substitute for professional health advice, diagnosis or treatment. Medibank does not guarantee the accuracy of any of the information, representations or advice displayed. To the extent permitted by law, Medibank accepts no responsibility for any loss, injury or inconvenience sustained by readers of this site as a result of or in connection with the information contained on this site (whether by way of negligence or otherwise).

Thanks! If you have any questions or comments, please email us social.media@medibank.com.au.

Medibank Live Chat Terms of Use

Medibank Live Chat is a facility established and maintained by Medibank Private Limited ACN 080 890 259 (Medibank) which enables you to chat to a Medibank consultant in real-time to assist you to navigate your way around Medibank's website. If you require information specific to your Medibank policy, please contact Medibank on 132 331 to speak to a Medibank consultant.

These Terms of Use govern your access to and use of Medibank Live Chat and contain important information, including disclaimers and limitations of liability. Your use of Medibank Live Chat constitutes acceptance of these Terms of Use.

  1. Eligibility for access

    Medibank Live Chat is intended solely for use by Australian residents and holders of valid Australian visas who are eligible to purchase our insurance products. To be eligible to use Medibank Live Chat you must be 16 years of age or older. Medibank has the sole right to determine your eligibility for, and the extent of your access to, Medibank Live Chat.

  2. Appropriate use of Medibank Live Chat

    You must only use Medibank Live Chat for the purposes described in these terms and conditions. You must not use or attempt to use Medibank Live Chat to:

    (a) corrupt, damage or interfere with Medibank Live Chat or any Medibank or third party data, software, hardware, website or information technology systems;

    (b) send any offensive, inflammatory, defamatory, fraudulent or otherwise unlawful information or information that infringes third party rights;

    (c) adversely affect the reputation or public image of Medibank; or

    (d) cause annoyance or inconvenience to Medibank or any third party.

    You acknowledge that Medibank can terminate your use of Medibank Live Chat if Medibank reasonably believes that you have breached these Terms of Use.

  3. Communications via email and telephone

    During your Live Chat with a Medibank consultant, you may provide Medibank with your:

    (a)email address if you would like Medibank to email you a transcript of your Live Chat, for follow up purposes or conduct marketing; and/or

    (b) telephone number if you would like a Medibank consultant to contact you following the Live Chat to resolve any outstanding issues you may have, for follow up purposes or conduct marketing.

    In providing Medibank your email address and/or telephone number, you consent to Medibank using your email address and/or telephone number to contact you for the above purposes.  If you do not want to receive marketing please contact us.

  4. Privacy

    You may choose to access and use Medibank Live Chat on an anonymous basis and/or nominate an alias for use by the Medibank consultant during your Live Chat.

    If you provide your personal (including sensitive) information (Information) to Medibank, Medibank will collect and use the Information to provide you with the Medibank Live Chat service including to assist you to navigate the Medibank website, answer your queries or resolve any issues you may have, contact you for the purposes described in clause 3 of these Terms of Use and to continue to develop and improve the Medibank Live Chat service, the Medibank website and Medibank's products and services. In order to perform these functions, we may disclose your Information to third parties such as IT service providers.

    Medibank will allow you to access and correct Information it holds about you as required by law. If you have any queries about how Medibank handles your Information, please write to: Privacy Officer, Medibank Private Limited, 16/700 Collins Street, Docklands, Victoria 3008 or privacy@medibank.com.au.

    For further information about how Medibank handles your Information, please read Medibank's Privacy Policy http://www.medibank.com.au/Legal-Information/Privacy.aspx.

    If you provide Medibank with Information about another person, you must ensure that, prior to providing the Information about that person to Medibank, the person is aware of how their Information will be handled by Medibank under these Terms of Use and that they consent to Medibank handling their Information in accordance with these Terms of Use.

  5. Intellectual property rights

    You acknowledge that all intellectual property rights (including copyright) in the content, layout, design, concept, graphics, software and organisation of Medibank Live Chat including the transcripts of any Live Chat (Medibank Materials) is owned by or licensed to Medibank. Medibank grants you a non-exclusive, revocable licence to use the Medibank Materials for your personal use in accordance with these Terms of Use. You may not otherwise use, copy, change, communicate, sell or otherwise deal with the Medibank Materials. Medibank will own all rights in the content that you enter into Medibank Live Chat. All Medibank trade marks, logos and other proprietary graphics may not be used in connection with any other product or service without Medibank's express prior written consent.

  6. Disclaimers

    Medibank Live Chat is provided to you on "as is" and "as available" basis and may, from time to time, contain errors, faults and inaccuracies. Subject to the consumer guarantees provided for in consumer protection legislation (including the Australian Consumer Law), Medibank makes no representation and provides no express or implied warranty or guarantee about the security of Medibank Live Chat, the safety of any file or software associated with it (such as safety from any virus or defects including those that could damage or interfere with any data, software or hardware with which it might be used) or that access to Medibank Live Chat will be uninterrupted or fault free. Medibank does not provide telecommunications services and does not warrant that you will have continuous access to Medibank Live Chat or that it will be supplied fault free. Medibank will not be liable in the event that Medibank Live Chat is unavailable to you for any reason including due to computer downtime attributable to malfunctions, upgrades, preventative or remedial maintenance activities or interruption in telecommunications supply. Medibank reserves the right to suspend or terminate the availability of Medibank Live Chat at any time.

    Any response provided by a Medibank consultant through Medibank Live Chat is general and provided for information purposes only. Subject to the consumer guarantees provided for in consumer protection legislation (including the Australian Consumer Law), Medibank does not give any express or implied warranties and makes no representations in relation to the responses provided by a Medibank consultant through Medibank Live Chat. While reasonable care has been taken in its preparation, Medibank does not guarantee or warrant the accuracy, quality, completeness, reliability or currency of the responses provided by a Medibank consultant through Medibank Live Chat or of any Medibank websites, materials, information, products or services promoted through Medibank Live Chat, or their usefulness in achieving any purpose. Nothing on Medibank Live Chat should be construed as the giving of advice or the making of any recommendations. You should make and rely on your own assessment and enquiries to verify the accuracy of the information provided through Medibank Live Chat.

    You agree to access and use Medibank Live Chat entirely at your own risk including in relation to all information that you choose to transmit through Medibank Live Chat.

  7. Limitation of liability

    Subject to the consumer guarantees provided for in consumer protection legislation (including the Australian Consumer Law), Medibank and its officers, employees and agents accept no liability for any loss, damage, illness or injury (including any loss of profits or income, business interruption or loss or corruption of data or other information):

    (a) arising from:
    i. your access to or use of Medibank Live Chat;
    ii. the information on Medibank Live Chat being incorrect, incomplete or misleading;
    iii. any action or indecision by you in reliance of the information contained in Medibank Live Chat; and
    iv. any delay or interruption in access to or use of Medibank Live Chat; and

    (b) for any personal injury, including death, caused by access to, use or misuse of Medibank Live Chat including its content and services.

  8. Indemnity

    You agree to defend, indemnify and hold harmless Medibank and its officers, directors, employees and agents from and against all claims, actions, loss, damages, liabilities and costs related to or arising directly or indirectly from the following:

    (a) any breach by you of these Terms of Use; and

    (b) subject to the consumer guarantees provided for in consumer protection legislation (including the Australian Consumer Law), your use of Medibank Live Chat.

  9. Cookies

    If your web browser is set up to accept cookies, a cookie will be stored on your hard drive when you visit Medibank Live Chat. Cookies allow Medibank to collect information about your computer, which may include your IP address (a number assigned to your computer when you register with an Internet Service Provider), type of browser, operating system, domain name, and the details of any website which has referred you to this website. Medibank uses cookies to track and collect information about whether you have been invited to chat in a session on Medibank Live Chat already. Cookies will also allow Medibank to recognise your computer while you are on Medibank Live Chat.

    If you would rather not have this information stored on your computer, you can configure your browser so it does not accept cookies. However, if you disable cookies you will not be able to access Medibank Live Chat.

  10. Other terms and conditions

    These Terms of Use are in addition to the Disclaimer relating to your use of Medibank's website generally http://www.medibank.com.au/Legal-Information/Disclaimer.aspx.

  11. General

    If the whole or any part of these Terms of Use are invalid, unenforceable, illegal, void or voidable for any reason, these Terms of Use will be construed and be binding as if the invalid, unenforceable, illegal, void or voidable part had been deleted from them or read down to the extent necessary to overcome the difficulty.

    A waiver by Medibank of any breach or a failure to enforce or to insist on the observance of a condition of these Terms of Use will not be a waiver of any other or of any subsequent breach.

    Medibank will not be responsible or liable for failure to perform any obligation under these Terms of Use if such failure is caused by the occurrence of any matter beyond its reasonable control including, without limitation, internet and communications outages, fire, flood, war, or act of God.

    These Terms of Use are governed by the laws in force in the State of Victoria, Australia. Both you and Medibank irrevocably submit to the non-exclusive jurisdiction of the courts of that State and all courts with jurisdiction to hear appeals from those courts.

    These Terms of Use were last updated on February 2012.

Need special assistance?

Below are some of the resources available to you if you need a little extra help accessing our services or any other information you need.

  • Language services - if you have difficulty understanding English, a government translating service is available at tisnational.gov.au.
  • Hearing or speech impaired – The National Relay Service provides a phone solution for people who have a hearing or speech impediment. You can find them at relayservice.gov.au.
  • Vision impaired – Vision Australia provide a range of services for people with impaired vision. You can find them at visionaustralia.org.