Three easy steps


Share your unique referral code with your friends and family by entering their email address or sharing on social media.


When your friend joins Medibank, if they quote your 10 digit unique referral code and state the promo code REFER, they'll get 6 weeks free*.


When your friend has been a Medibank member for 30 days, we’ll send you your $100 eftpos card*. Why stop there? The more friends you refer, the more rewards!

How does the program work?

Medibank’s Refer a Friend program is all about rewarding our customers when they refer a friend to join Medibank.

What do I receive if I refer a friend?

When a friend you have referred joins Medibank, you will get a $100 Eftpos gift card. But remember, your friend needs to tick all of the eligibility criteria for you to receive your Eftpos card.

How long do I have to wait for my Eftpos card?

Once your friend has been a member for 30 days, your Eftpos card will be sent out to you. This may take up to 8 weeks to arrive, from the date your friend commenced their cover.

How many referrals can I make?

You can make five successful referrals during a calendar year. That’s $500 for you!

What does my friend get?

When your friend joins Medibank on an eligible cover, they will get 6 weeks free, plus they will have their 2&6 month waits waived on most extras.

What level of cover do I need to be on?

To refer friends to Medibank you need to hold an eligible hospital and or extras product. Excluded policy holders include, Accident cover, Visitor health cover, Working Visa health cover, Overseas Student Health Cover (OSHC), Ambulance cover, ahm cover and other selected covers.

What cover does my friend need to take out?

Your friend will be eligible for 6 weeks free cover, when they take out an eligible combined hospital and extras cover or corporate hospital and flexi extras cover.

I haven’t received my card, what should I do?

Firstly, remember your friend must hit all eligibility criteria before you receive your card. Your card will also take up to 8 weeks to arrive from the day your friend commenced their cover. If you are still expecting your card and it hasn’t arrived, give us a call on 1800 057 063.

For full terms and conditions, see below.

* Current Member

For current eligible Medibank hospital and/or extras members who are a current member at the time the gift card is sent, and who refer a ‘friend’ where their friend enters the promo code ‘REFER’ and quotes your unique referral code at the time of join. An eligible referral is made if the friend joins eligible combined hospital and extras cover regardless of the scale (single, family, couples, single parent), the friend maintains the eligible cover for at least 30 continuous days and meets all other eligibility criteria. Referral payments will be capped to 5 within a calendar year and reset from 1 January each year.  The maximum referral payment per member in a calendar year will be $500 worth of Eftpos gift cards.  The current member cannot share any part of the referral payment with the ‘friend.’  This offer can be withdrawn by Medibank at any time prior to current member making an eligible referral. The $100 Eftpos gift card will be payable, only if the referred ‘friend’ meets all applicable eligible terms and conditions. Not available with any other offer. Eftpos gift card terms: Card will be posted to the address on your membership take up to 8 weeks to arrive from the time the friend joins eligible cover and meets the eligibility criteria. Current member will receive an Eftpos card valued at $100 per eligible referral. Card must be activated within 3 months of issue and is valid for 12 months from activation. Card T&Cs apply: Your gift card and relevant instructions on activating the card online will be posted to you, which will take up to 8 weeks after the friend has joined.



For new members on new memberships who join eligible combined hospital and extras cover. Must quote promo code “REFER”, provide Current Member unique referral code and set up direct debit or payroll when joining. Not available on Accident Cover, Ambulance Cover, OSHC, ahm covers, and other selected covers. This offer can be withdrawn by Medibank at any time prior to the friend joining eligible cover. Not available with any other offer. Six weeks free: In addition, if you join residential or corporate cover you must hold cover for 6 weeks to get second six weeks of membership free. 2 and 6 month waiver on extras: 2&6 month waiting periods on extras waived. Other waiting periods apply, and if you’ve used up your annual limit from a previous fund you may not be able to claim straight away. This offer is only available in-store or over the phone.

youtubeui-checkbox-tickui-checkbox-emptyui-checkbox-crosstwitterui-checkbox-tickWellbeing and mindfulness 1Physical Health 1Positive psychology 101 1Wellbeing and mindfulness 4All about gut health 1Understanding Genetics 4Planning for Pregnancy 2During Pregnancy 3The mind-gut connection 4The mind-gut connection 1New Parents 3Page 1Group 10During Pregnancy 2Page 1Physical Health 2Planning for Pregnancy 1Positive psychology 101 1Positive psychology 101 4Planning for Pregnancy 4Understanding Genetics 1Physical Health 4Planning for Pregnancy 3Nutrition 4New Parents 1New Parents 3 CopyMovement for your mind 4Wellbeing and mindfulness 2Nutrition 2sob-icon__mind-bodysob-icon__man-with-laptopAll about gut health 2Positive psychology 101 3Positive psychology 101 2Physical Health 3Wellbeing and mindfulness 3All about gut health 3genetics-changing-what-your-givenUnderstanding Genetics 2During Pregnancy 1Movement for your mind 2Movement for your mind 1Movement for your mind 3During Pregnancy 4sob-icon__managing-anxietyThe mind-gut connection 2All about gut health 4New Parents 2Nutrition 3