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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.
Apply for cover in 10 minutes
Medibank Starter Life Insurance lets you avoid a lengthy application process.
100% online application
Buy a policy online and you could be covered straight away.
Simple application
You won't need to provide detailed health information. We only ask you a single statement about your health and lifestyle.
Choose your cover amount
Choose a cover level from $50,000 up to $250,000.
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 some help?
Whatever your life stage or circumstance, check out our cover options for you and your family. 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
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.
Life insurance will pay you or your chosen beneficiaries, a lump sum amount if you pass away or are diagnosed with a terminal illness and have 12 months or less to live.
You can also choose extra options like Trauma cover and Permanently Unable to Work cover with Medibank 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.
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.
If you’re not sure how much cover you need, it may be best to speak to a financial advisor.
We have a helpful life insurance calculator which can also help you to work out how much insurance you may need.
It’s worth checking before assuming you have enough cover. If you’re not sure how much cover you need, it may be best to speak to a financial advisor.
We have a helpful life insurance calculator which can also help you to work out how much insurance you may need.
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.
Have questions?
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