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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.

How is Medibank Starter Life Insurance different to Medibank Life Insurance?

Medibank Starter Life Insurance can be applied for immediately online, without lots of health questions.  You can choose to be covered between $50,000 and $250,000. To apply, you need to be aged between 18 and 45 years (inclusive) and be an Australian resident. 

As our Medibank Starter Life application process does not consider your detailed health and lifestyle information and covers you in the event of death and terminal illness, we recommend you consider the PDS and/or obtain independent financial advice to see whether this product is right for you.

Our standard Medibank Life Insurance product also covers you in the event of death and terminal illness and has accidental injury cover. Medibank Life Insurance can provide you with a higher benefit amount than Starter Life Insurance and has additional optional covers available for Trauma cover and Permanently Unable to Work cover, so you can tailor it to your needs. The application process is therefore longer than for Starter Life Insurance and is required to be completed over the phone.  You can choose to be covered for up $2.5 million depending on your age and income at time of application.  To apply, you need to be aged between 16 and 70 years of age (inclusive) and be an Australian resident.  You can request a quote online or apply on the phone.

If you are unsure about any of our Medibank life insurance products or have any questions, call one of our sales specialists and they can talk you through our different products available. 

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.

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