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Life insurance FAQs

Life can throw some tricky situations at you so we've got answers to common questions right here for you.

Can I apply for life insurance?

You need to be a permanent Australian resident to apply for any of our products. An Australian resident means a person who resides in Australia and:

  • hold Australian or New Zealand citizenship; or
  • holds an Australian permanent residency visa.

Our products have different age ranges for who can apply. This age range only applies to when you start the policy, not when it ceases.  Except where permitted by law, our life insurance policies only cease if you decide to cancel it, or we pay a claim (in case of death or terminal illness).

A medical examination is not required as insurability will be determined by your answers to the health and lifestyle questions. You must be aged between 16 and 60 years to also add Permanently Unable to Work cover, Children's Insurance cover and Trauma cover.

For Medibank Starter Life Insurance, you must be an Australian resident aged between 18 and 45 years. For our Medibank Life Insurance, you must be an Australian resident aged between 16 and 65 years at the time of application.

Things you should know

Any advice provided is general only and doesn’t consider your objectives, financial situation or needs. You should carefully read the relevant Product Disclosure Statement (which sets out the product terms, conditions and exclusions) and Financial Services Guide available here to ensure the product is right for you.

Medibank life insurance products are issued by the insurer, Swiss Re Life & Health Australia Limited ABN 74 000 218 306, AFSL 324908 (Swiss Re). Medibank life insurance products are distributed by Greenstone Financial Services Pty Ltd ABN 53 128 692 884, AFSL 343079 (GFS), and promoted by Medibank Private Limited ABN 47 080 890 259, AR 286089 (Medibank Private). Medibank Private is an authorised representative of GFS.

Your personal information will be handled in accordance with our Privacy Collection Notice.