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Flexible cover options
Choose cover from $3,000 up to $15,000.
Medibank health insurance members save 10%.
Your premiums reduce by 3% every 5 years your policy is in force.
Easy and fast approval
A straightforward application process with no medical history required.
Choose a benefit amount
Choose a benefit amount from $3,000 up to $15,000. If you take out a policy with your partner, you'll each have a separate benefit amount.
Guaranteed Application Acceptance
If you’re an Australian resident aged between 18 and 79 we guarantee to accept your application. And don’t worry, we won’t ask about any medical conditions.
Your benefit triples – to up to $45,000 – if your death is accidental. Accidental Serious Injury Insurance is automatically included in your cover at no extra cost.
Premium cease at age 90
Premiums are waived from age 90 with no further premiums payable.
Get a quote online
Answer a few simple questions to request a quote online. We'll then call you to help complete your application.
Give us a call
We’re happy to answer your questions you may have and talk through your policy options.
Life Insurance Code of Practice
The Life Insurance Code of Practice is the life insurance industry’s commitment to customer service standards and it’s designed to protect you, the customer.
Australian residents aged between 18 and 79 years can apply, either solo or as a couple.
No, the premium you pay for your policy is guaranteed to reduce by 3% after each continuous period of five years your policy is in force.
When a life insured on the policy reaches the age of 90, cover for Funeral Insurance continues. However, premiums for that life insured are waived and no further premium payments are required for that life insured.
The premiums paid for funeral insurance are generally not tax deductible and tax will not generally be payable on any benefit paid to individuals under your insurance policy.
As individual circumstances vary, you should consult your professional tax adviser for advice regarding your personal circumstances.
Yes. Once your application is accepted, you are covered 24/7, anywhere in the world, provided you remain an Australian resident.
You may cancel your policy within 30 days of the first premium due date, and provided you have not made a claim, we will cancel the policy and refund any premiums you may have paid. This is known as the "cooling off period".
If you cancel your policy after the 30 day cooling off period, you will not get anything back and not receive any of the premiums you have paid back.
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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