Live Better

Making the most of your health cover

Here are a few tips to help you get the most out of your Medibank membership.

Family smiling and having fun in the kitchen

Ensuring you are on the right level of cover for your circumstances is a good way to save. Medibank has a range of cover options tailor-made for life’s little journeys and detours. Whether you’re a young adult, growing family, single parent, mature couple or anything in between, there’s a level of cover that has been designed with you in mind.

It’s also worth remembering, your health cover isn’t just for those times when you’re sick – there are a number of ways you can use it to stay healthy and happy.

Here are a few tips to help you get the most out of your Medibank membership.

TIP #1 – Hospital cover, extras or both?

When you take out private health insurance, your first decision is to choose the type of cover you want: hospital cover, extras cover or both.

Hospital cover can pay towards in-hospital treatments and expenses. This can include things like hospital accommodation, theatre fees, intensive care, surgery and payments towards your doctors’ bills while you’re in hospital.

Extras cover suits those who make use of health services and practitioners outside of the hospital system. This can include a whole range of services from physio, chiro, optical items, dental treatments and much more.

Combined hospital and extras cover includes components of hospital cover and extras cover so you can feel supported for both in-hospital treatment and certain health services outside of the hospital.

Your second decision is to choose the level of cover you want. Medibank has a range of products that can help support your health needs, in a variety of settings. Remember – the cheapest option isn’t always going to save you money in the long run. Knowing what cover will support you best on your journey to better health is key.

If you’re wondering about what you might want cover for down the track, take a look at our interactive tool that reveals the common procedures that our members are going to hospital for. The results are based on our past claims data based on age and gender – and they might surprise you!

TIP #2 – Using extras to your advantage

Extras cover can be a great thing to have when things go wrong, but some services can actually be used to help prevent injury and illness in the first place. Here are some ways to get the most value from your extras.

Choose a Members’ Choice provider for the biggest rebates

Our Members’ Choice network offers the broadest range of extras services of any health insurer in Australia. We’ve negotiated capped prices for a wide range of services at these providers, meaning you can get the dental, physio, chiro (and more) treatment you need without any surprises on your bill.

You can also be assured of getting a fixed percentage back on the total bill for included services, up to your annual limit – this could be 55%, 60%, 70%, 85% or even 100% depending on your cover. Find your nearest Members’ Choice provider here.

100% back on up to two dental check-ups every year at any Members Choice Advantage dentist

All Medibank members with extras cover for two months or more get 100% back on up to two dental check-ups every year, including x-rays, at any Members’ Choice Advantage dentist.Find out more.

Get 100% back on optical

Everyone deserves to see the world clearly. That’s why when you join Medibank you get 100% back on optical at all recognised providers up to your annual limits.#

Know when your annual limits reset

Most annual limits for claiming back on extras services reset annually on 1 January. Unused limits don’t carry over, so you should try to use up as much as you can before the end of the year.

TIP #3 – Ways to save $$$

Nominate your Australian Government Rebate tier

The Australian Government Rebate (AGR) on private health insurance helps make health insurance more affordable by giving you a rebate on your premiums. Your eligibility for the rebate depends on your age and income. If you nominate your AGR tier ahead of tax time, you may reduce your premium.

See what the income tiers are and see what rebate you’re entitled to.

Check on your excess

An excess is the amount you pay towards your hospital admission (same-day or overnight), as a private patient, before we pay anything. Policies with a higher excess often have lower premiums. You could think about how much you are willing to pay up front if you were to need treatment in order to save on your premium.

Avoid paying the Medicare Levy Surcharge

The Medicare Levy Surcharge (MLS) applies to Australian taxpayers who don’t hold an appropriate level of private hospital cover and earn over a certain amount. The surcharge can be as much as 1.5% of your annual income (for MLS purposes) – that’s a lot of dollars! So having private hospital cover is more than just a wise choice for your health… it could also be a wise choice for your pocket.

Here’s some more info about Medicare Levy Surcharge.

Avoid paying for Lifetime Health Cover loading

Lifetime Health Cover (LHC) loading is an Australian Government scheme designed to encourage people to take out hospital cover by the time they are 31. If you don’t have hospital cover by 1 July after your 31st birthday, you may have to pay a 2% LHC loading for each year you haven’t held hospital cover, once you do take it out. The maximum loading is 70%. So it works in your favour to get hospital cover (and keep it) early in life.

Read more about Lifetime Health Cover here.

TIP #4 – Enjoy the perks of your membership

With Medibank, you have access to a wide range of members-only offers and discounts that support your better health and wellbeing.

GymBetter® – enjoy pay-as-you-go access to gyms across Australia. Medibank health insurance members save up to 25% off the cost of each visit.

Collect extra flybuys points – get even better rewards when you link your Medibank health cover membership to your flybuys account.

Special offers and discounts – we have a range of special offers from some of your favourite brands including Fitbit®, Palace Cinemas, Sunglass Hut®, and many more.

Discounts on other types of covers – when you have Medibank health insurance, you can enjoy exclusive discounts off Medibank pet, travel and life cover too.


If you’d like more information, one of our experts would be happy to explain how you can get more from your Medibank membership. Visit us in store or call us on 132 331.

# Excludes some items. Waiting periods and annual limits apply.
* The family income threshold is increased by $1,500 for each dependent child after the first child. Single parent families are subject to the family income tiers.
~ Limited to two dental check-ups on all extras annually. Maximum two bitewing x-rays per check-up, where clinically needed. Not available in all areas.

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