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Starter Life Insurance

Health members save 10% off premiums.

We've made life insurance easy. Apply online for on the spot cover within 10 minutes.

Take a few minutes to protect what matters most

Medibank Starter Life Insurance offers protection so you can help ensure that the people who are most important to you will be properly looked after when you can't take care of them. Avoid the many health questions and you could take out a policy online in the time it takes to make a coffee.

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Apply for cover in 10 minutes

Medibank Starter Life Insurance lets you avoid a lengthy application process.

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100% online application

Buy a policy online and you could be covered straight away.

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Simple application

You won't need to provide detailed health information. We only ask you a single statement about your health and lifestyle.

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Choose your cover amount

Choose a cover level from $50,000 up to $250,000.

Why choose Medibank Starter Life Insurance?

Medibank Starter Life has been designed to be simple. You may use it to meet a basic life insurance need, or to top up an existing life insurance policy. You can buy online via our simple application process, with no need to provide detailed medical information. View PDS.

Is Medibank Starter Life Insurance right for me?

You are eligible to apply for Medibank Starter Life Insurance if you are aged between 18 and 45 years and are an Australian resident at the time of application.  Once you take out a policy, your cover will remain in place for life, as long as premiums are paid.

If you have a serious medical condition, this product may not be suitable for you and we may not be able to provide cover.

Medibank Starter Life Insurance won't pay out a claim due to: suicide, war, participation in criminal activity, the effects of alcohol, or taking non-prescription medication.

Please review the Product Disclosure Statement for further details on exclusions and specific terms and conditions.

Need help?

Whatever your life stage or circumstance, check out our cover options for you and your family.

If Medibank Starter Life Insurance isn't right for you, we have some great alternatives. 

Call us on 1300 766 085 and one of our specialists will take you through our product 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.

We've got your questions answered

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.

1  - Diagnosis of a terminal illness with life expectancy of 12 months or less.