Live Better in My Medibank FAQs

At Medibank, we believe in better health for better lives. Live Better rewards is our exclusive health and wellbeing program that encourages eligible Medibank members with resident hospital, extras or hospital and extras cover to take steps towards better health and to be rewarded for it. With Live Better rewards, you earn points for a wide range of actions which you can use to redeem a great range of rewards. And, to make earning points even easier, Live Better rewards has moved into the My Medibank app.

Live Better rewards is now located in the My Medibank app. To access, just log in to the My Medibank app and click on ‘Live Better’ from the toolbar along the bottom of the screen.

To download the My Medibank app on an Android device click here.

To download the My Medibank app on an Apple device click here.

We’ve listened to your feedback about having too many apps and have moved Live Better rewards in to the My Medibank app. This means that you will now be able to manage your Medibank membership and work towards better health through Live Better rewards in one app!

Live Better rewards in the My Medibank app is a more streamlined, and simpler version of the standalone Live Better app whilst still including a heap of ways to earn points such as Challenges and the Weekly Goal, to help you meet your health goals.

To access Live Better rewards, just log in to the My Medibank app and click on ‘Live Better’ from the toolbar along the bottom of the screen.

You can join us and start earning and redeeming points if you hold an eligible Medibank Insurance policy and are at least 16 years old. An eligible Medibank Insurance Policy is a Medibank branded hospital, extras or hospital and extras cover. Excludes Overseas Student Health Cover (OSHC), Ambulance only cover and AHM branded covers. See full Medibank live better Terms & Conditions.

If you were offered Live Better points as part of your offer when joining Medibank, please make sure you follow the steps outlined below to ensure that you receive the points.

1. Download the My Medibank app and sign up for Live Better rewards by clicking on the Live Better icon at the bottom of the app screen.

2. Track an activity – the easiest way to track an activity is by connecting a health app (like the one that's already on your phone) or a wearable device. Alternatively, you can join a Challenge and track an activity as part of the challenge manually in the My Medibank app. Further information on how to track an activity can be found here. To receive your points, you must do this within your first few weeks of joining.

3. Receive your Live Better points! Check out your offer T&Cs to find out when your bonus points will be added to the Policy holder’s Live Better account. Once you receive your points, you can start to redeem them for rewards!

You will also receive an email 7 days after joining reminding you of the steps you need to follow to receive the Live Better points.

Live Better rewards members can earn up to 40,000 Live Better points each calendar year for successfully completing any points-earning activity associated with a Live Better points promotion. This includes Health and Wellbeing Challenges, the Weekly Goal, onboarding actions and partner activity earn. That’s up to $400 worth of rewards every year.

In addition to the 40,000 points, there is no cap on the amount of Live Better points that can be earned by making eligible purchases with our great range of Live Better partners.

Live Better rewards members who hold an extras cover can also earn Live Better points for a dental check-up from a Members' Choice Advantage provider. Members on Medibank extras covers (except Healthy Living Extras) can earn 1,000 Live Better rewards points for each dental check-up (up to 2 checks per year) at any Members' Choice Advantage dentist. Members with Healthy Living Extras can earn 1,000 Live Better rewards points for one dental check-up per year at any Members’ Choice Advantage dentist.^*

Live Better rewards members can earn 5 Live Better rewards points for every dollar they spend on prescription items from our Members’ Choice Advantage optical provider Specsavers. Offer available instore and online to eligible Medibank members with optical included in their extras cover, or in store only for eligible Medibank members with hospital cover or Healthy Living Extras cover.^~

Live Better rewards members can also earn 500 points for their first consultation each year at one of the following Members’ Choice Advantage providers, as long as the service is included on their cover (Acupuncture, Chiropractic, Physiotherapy, Podiatry, Remedial Massage.). For terms & conditions and further information on how to earn points with Members’ Choice Advantage providers, click here. 

There’s something for everyone when it comes to earning Live Better points! You can earn points by completing healthy actions that you may already be doing such as running, meditating and even sleeping that will contribute to you hitting your Weekly Goal. You can also earn Live Better points for completing a wide variety of exciting new challenges, engaging with activity partners, making purchases with health partners and visiting Members’ Choice Advantage providers. 

Keep an eye on your points balance in real-time with the My Medibank app by tapping on ‘Live Better’ in the bottom toolbar and then tapping on ‘Points History’ towards the bottom of the page.

Live Better points will expire if:

• you haven’t earned or redeemed Live Better points in the last 24 months
• you haven’t held an eligible Medibank policy for a period of 6 months or more; or 
• you haven’t taken out an eligible Medibank Insurance policy within 6 months after creating a Live Better rewards account 

Live Better points that have been earned but not yet used could also be deleted if your account is terminated for reasons such as fraudulent or dishonest behaviour.

If you haven’t registered for a Live Better rewards account but hold an eligible Medibank Insurance Policy, you can still earn Live Better points when you receive an eligible dental check-up from a Members’ Choice Advantage Provider or make a purchase with a Members’ Choice Advantage optical provider (and have your claim approved). Your Live Better points will be held for a period of 6 months until you sign up with a new Live Better rewards account.

There is a maximum limit of 40,000 Live Better points that you can earn for successfully completing any points-earning activity associated with a Live Better Points Promotion. This includes Health and Wellbeing Challenges, the Weekly Goal, onboarding actions and partner activity earn. 

As an eligible Medibank member with hospital, extras or hospital and extras cover, you can earn Live Better points simply by making a purchase with our health and wellbeing partners. Securely link your Mastercard®, Visa® or eftpos® card to your Live Better rewards account and when you use your linked card online or instore at our participating Live Better partners, your purchase will be linked to your Live Better rewards account.

For some Live Better partners, there may be a different approach required to link purchases with that Live Better partner to your Live Better rewards account. Some Program Partners may require a person to be at least 18 years of age to be eligible to purchase an Eligible Product or Service. More information about these partners, and how you can link them to your Live Better rewards account, can be found here.

Navigate to the ‘Earn with Medibank partners’ tile on the Live Better dashboard and start earning with our wide range of partners including Apple, Fitbit, Onsport, HelloFresh, Brooks Running, Fitness First and Goodlife Health Clubs.

Eligible Medibank members with hospital, extras or hospital and extras cover can earn Live Better points when they visit one of our Members’ Choice Advantage providers.

Live Better rewards members who hold an extras cover can also earn Live Better points for a dental check-up from a Members' Choice Advantage provider. Members on Medibank extras covers (except Healthy Living Extras) can earn 1,000 Live Better rewards points for each dental check-up (up to 2 checks per year) at any Members' Choice Advantage dentist. Members with Healthy Living Extras can earn 1,000 Live Better rewards points for one dental check-up per year at any Members’ Choice Advantage dentist.^*

Live Better rewards members can earn 5 Live Better rewards points for every dollar they spend on prescription items from our Members’ Choice Advantage optical provider Specsavers. Offer available instore and online to eligible Medibank members with optical included in their extras cover, or in store only for eligible Medibank members with hospital cover or Healthy Living Extras cover.^~

Live Better rewards members can also earn 500 points for their first consultation each year at one of the following Members’ Choice Advantage providers, as long as the service is included on their cover (Acupuncture, Chiropractic, Physiotherapy, Podiatry, Remedial Massage.). For terms & conditions and further information on how to earn points with Members’ Choice Advantage providers, click here. 

Only members who hold an eligible Medibank Insurance Policy can transfer their Live Better points to someone else. The other person must be on the same policy and have a Live Better rewards account. The transfer request must be made by the person who is transferring their points. To transfer your points, you will need to log in with your My Medibank details and complete the form at the following link: https://members.medibank.com.au/offers/points-transfer-form.html  

Redeeming Live Better points is quick and easy. Click on the ‘Shop rewards’ tile on the Live Better rewards dashboard and explore all of the reward options on offer. Based on your points balance, choose the reward that suits you best from additional cover to apparel and equipment, pharmacy and nutrition to wearables and trackers. Remember, to redeem rewards you must a have a Medibank branded hospital, extras or hospital and extras cover (excludes Overseas Student Health Cover and Ambulance only cover).

For full details please see the Rewards Store and the Medibank Live Better Terms & Conditions.

See here for all reward fulfilment details. 

Please choose your reward carefully. Once you’ve selected a reward from the Rewards Store, it can’t be cancelled or modified except as required by the Australian Consumer Law. 

If a product is faulty, not fit for purpose or not as described, you have the right to exchange it or receive a refund under Australian Consumer Law. Please contact Medibank for assistance. 

You will receive a confirmation email and you can see most Medibank rewards in your My Medibank App.

• Tap on ‘Me’ in the My Medibank app
• Select ‘Medibank rewards’

If you have redeemed a premium payment towards your Medibank policy, it will not be listed under ‘Medibank rewards’ in your My Medibank app but it will be applied as a credit to your next scheduled premium payment. 

Physio/Chiro/Osteo/Remedial Massage/Myotherapy service up to $115 & Extras Limit increase (both $100 & $200)

After redeeming your Medibank reward in the Live Better rewards app, you can use your reward at any Medibank recognised provider and submit your claim for the relevant service the way you always do. For example, by swiping your Medibank membership card through HICAPS or submitting a claim in the My Medibank app.

$50 Dental Out-of-Pocket Reward

After redeeming your reward in the Live Better rewards app, you can use your reward at any Medibank Members’ Choice Advantage dentist. The reward is applied to reduce your out-of-pocket costs after a claim for dental services. You can submit your claim for dental services the way you always do. For example, by swiping your membership card or submitting a claim in the My Medibank app. Cannot be used on dental services for which no benefits are payable under any extras cover.

$50 Optical Out-of-Pocket Reward (available in $20, $30 and $50 denominations)

After redeeming your reward in the Live Better rewards app, you can use your reward at a Medibank Members’ Choice Advantage optical provider. The reward is applied to reduce your out-of-pocket costs after a claim for prescription optical goods. You can submit your claim the way you always do. For example, by swiping your membership card or submitting a claim in the My Medibank app. It cannot be used on non-prescription optical items goods such as non-prescription sunglasses, safety glasses, protective glasses or precision tinted lenses. The reward also cannot be used for any eye tests or other services. 

The reward expires 12 months after the date of redemption. 

Physio/Chiro/Osteo/Remedial Massage/myotherapy service up to $115/$250 Hospital Excess Reduction

The reward is for a single service only and any unused portion of the reward will be forfeited.

Extras Limit Increase $100/$200/$20/$30/$50 Optical Out-of-pocket reward/$50 Dental Out-of-pocket reward

You can use the reward in multiple transactions until you have reached the applicable reward amount. 

Physio/Chiro/Osteo/Remedial Massage/myotherapy service up to $115/$50 Optical Out-of-pocket reward/$50 Dental Out-of-pocket reward

There is no limit on the number of times you can redeem these rewards, provided that you have enough points.

Extras Limit Increase $100/$200

Each of these rewards can be redeemed once in any 12 month consecutive period. 

$200 Premium Payment/$250 Hospital Excess Reduction

Your reward will be automatically applied at a policy level towards the first claim received by Medibank by any person insured under the policy. The Premium Payment Reward is applied at a policy level as a credit to the payer’s next scheduled premium payment. 

You will need to pay for any gap. 

This reward will be applied after any remaining annual, sub or lifetime limits on the relevant service have been used (excluding optical) but before any applicable Package bonus/Membership bonus. It can be used multiple times until the relevant limit is reached, or the reward expires. 

If you haven’t received your e-Gift card, please check your junk mail / spam folders as sometimes the gift card emails are re-directed there. If you are still unable to locate your e-Gift card, you can request that it be re-sent. To do this will need to log in with your My Medibank details and complete the form at the following link: https://members.medibank.com.au/offers/gift-card-resend-form

Live Better rewards challenges encourage members to complete a wide range of activities that help make you eat, move and feel better.  Plus, you can earn Live Better points while doing so!

There are a range of new and exciting challenges each month to help you reach your health and wellbeing goals, so it’s easy to find a challenge that suits you. To successfully complete a challenge, track your activity as you go and if you hit the challenge targets within the given amount of time, you’ll earn Live Better points! 

Click on the ‘Explore Challenges’ tile on the Live Better rewards home screen to find a list of all the available challenges. Click on the > button of the challenge that suits you to find the challenge info followed by ‘Join now’. Once joined, your challenge will display under the ‘Your challenges’ heading on the Live Better rewards home screen.

New challenges are available to join each month. If you have enabled push notifications, you will receive a reminder when new challenges are added! To enable push notifications click on ‘Notifications preferences’ from the Live Better rewards dashboard. 

Most challenges support auto-tracking meaning that your activities can be tracked from a connected health app or device including Fitbit, Garmin, Google Fit, Health Connect and Apple Health. To connect any of these to your Live Better rewards profile, navigate to the ‘Manage/app devices’ screen from your Live Better rewards dashboard or click here for more details. 

For many challenges, you will also be able to update your progress manually from the challenge dashboard. Plus, if you have forgotten to update your progress as you go, you will receive a prompt asking if you have completed the challenge so far this week. If you click the prompt it will bring your progress up to date. 

The Weekly Goal is a recurring goal that motivates and rewards members for completing a range of move and feel activities, such as walking, wheeling and meditating.

The activities listed in the below table count towards your Weekly Goal. It’s important to note that, for a healthy mind and body, a variety of these activity types should be included in your exercise regime rather than focusing on just one or two. That’s why the Weekly Goal encourages a mix of activity types spread throughout the week, with a cap of two activities per day. 

Active minutes refers to the amount of time you spend on activities that increase your heart rate. Active minutes are collected from your connected health app and/or device and are calculated depending on which app or device you are using:

Activities can be tracked (either manually or automatically) via a connected health app or device including Fitbit, Garmin, Google Fit, Health Connect and Apple Health. To connect any of these to your Live Better rewards profile, navigate to the ‘Manage/app devices’ screen from your Live Better rewards dashboard or click here for more details.

Information on how to track each type of activity can be found here

The tables below show the various exercises which fall under each type of activity, by health app/device:

You can connect Fitbit, Garmin, Apple Health, Health Connect and Google Fit to Live Better rewards.  To connect any of these to your Live Better rewards profile, navigate to the ‘Manage/app devices’ screen from your Live Better rewards dashboard or click here for more details. 

If you are using Apple Health, please allow up to one hour for activity data to sync. If you are using any other supported device, it can take up to 48 hours to sync data.

If your data still isn’t showing up, make sure your tracking device is syncing to the corresponding app. For example, if you have a Fitbit device, make sure it’s syncing to your Fitbit App before syncing it to Live Better rewards in the My Medibank app.

If you see a “Failed to sync” error message in the manage app/devices section this means there is an issue with the connection so please try to disconnect and then re-connect your device. To do this, open your My Medibank app, navigate to the Live Better rewards dashboard and tap on ‘Manage app/devices’. Then, select ‘Disconnect’ and then tap ‘Connect’ to re-connect your device.

If you are connecting to Google Fit, please ensure you have signed into your Google Fit app. When connecting to Google Fit in the My Medibank app, use the same Google account that was used to sign into Google Fit.

Open your My Medibank app, navigate to the Live Better rewards dashboard and tap on ‘Manage app/devices’. To connect a device, just click ‘Connect’ next to the device you would like to connect. To disconnect a device, select ‘Manage’ and tap ‘Disconnect’.

Some health apps and devices allow you to manually track your activities, such as daily step count, meaning you don’t always have to have your phone or device with you. To learn how to do this, follow these steps for Fitbit, Google Fit,, Health Connect, Apple Health and Garmin.

For many challenges, you will also be able to update your progress manually from the challenge dashboard. Plus, if you have forgotten to update your progress as you go, you will receive a prompt  asking if you have completed the challenge so far this week. If you click the prompt it will bring your progress up to date.

If you have fallen a little bit behind in your tracking, there’s no need to worry. You’re given a three-day grace period that allows you to go back and track any activities you may have forgotten to track during your challenge.

Once the grace period is over, your challenge officially closes and your progress is calculated.

Securely link your Mastercard®, Visa® or eftpos® card to your Live Better rewards account. When you use your linked card online or instore at our participating Live Better partners, your purchase will be linked to your Live Better rewards account. You can simply make a purchase as you usually do with your linked card.

For some Live Better partners, there may be a different approach required to link purchases with that Live Better partner to your Live Better rewards account. More information about these partners, and how you can link them to your Live Better rewards account, can be found here.

If you link an active Mastercard®, Visa® or eftpos® card with Live Better rewards, your card details will be provided to Loyalty Now (our third party card linking enabler who are PCI DSS Level 1 certified). Loyalty Now will collect information about your transactions with a Live Better partner from Mastercard®, Visa® or eftpos®. Loyalty Now will then provide Live Better rewards with information about your transactions (including redacted details of the linked card used in the transaction) and purchase data so that you can earn points for eligible purchases.

For security reasons, Live Better rewards only stores the expiry date and the first 6 and last 4 digits of a linked card. For more information about how we handle your personal information, please visit the Medibank Privacy Policy at https://www.medibank.com.au/privacy/.

Yes, you can. Payments made via Apple Pay or Google Pay will earn points.

If payment is made via a third-party payment provider such as PayPal or AfterPay where payment is not made directly to the partner, points will not be awarded.

For some Live Better partners, there may be a different approach required to link purchases with that Live Better partner to your Live Better account. More information about these partners, and how you can link them to your Live Better account, can be found here.

If you get a replacement card you will need to update the details in your Live Better rewards account to keep earning points on eligible purchases with participating Live Better partners. If the 16-digit card number remains the same, you just need to update the card expiry details by logging into your Live Better rewards account and navigating to the 'Card and membership linking' section.

But, if it’s a new card number, you will need to link it as a new card (and unlink your old card) by logging into your Live Better rewards account, navigating to the ‘Card and membership linking’ section and adding a new card. If you already have five (5) cards linked, you will need to unlink one of your old cards before you can add a new one. 

If you link an active Mastercard®, Visa® or eftpos® card with Live Better rewards, your card details will be provided to Loyalty Now (our third party card linking enabler who hold the highest level of payment cards industry data security standards being PCI DSS Level 1 certified). Loyalty Now will collect information about your transactions with a Live Better partner from Mastercard®, Visa® or eftpos®. Loyalty Now will then provide Live Better rewards with information about your transactions (including redacted details of the linked card used in the transaction) and purchase data so that you can earn points for eligible purchases.

For security reasons, Live Better rewards only stores the expiry date and the first 6 and last 4 digits of a linked card and the transaction details for purchases of products and/or services. For more information about how we handle your personal information, please visit the Medibank Privacy Policy at https://www.medibank.com.au/privacy/. 

Your other Medibank insurance premium payment details or claim payment details are managed separately to your Live Better rewards card linking details. If using the same card, you will need to update your card details for your Live Better account separately to your card details for your other Medibank insurance policies.

All our partners register directly with Mastercard®, Visa® or eftpos® in order to process card purchases. If you link an active Mastercard®, Visa® or eftpos® card with Live Better rewards, your card details will be provided to Loyalty Now (our third party card linking enabler who are PCI DSS Level 1 certified). Loyalty Now will collect information about your transactions with a Live Better partner from Mastercard®, Visa® or eftpos®. Loyalty Now will then provide Live Better rewards with information about your transactions (including redacted details of the linked card used in the transaction) and purchase data so that you can earn points for eligible purchases.

For security reasons, Live Better rewards only stores the expiry date and the first 6 and last 4 digits of a linked card and the transaction details for purchases of products and/or services. For more information about how we handle your personal information, please visit the Medibank Privacy Policy at https://www.medibank.com.au/privacy/. 

No, you won’t earn points for any amount purchased with vouchers, gift cards, discount code, store credit or for any items returned/exchanged. If you receive a partial refund, your Live Better points will be adjusted as per the final purchase value. You will only earn points on the actual amount charged to your linked card after all discounts have been applied. 

The first things to check are that the purchase was made with a linked Mastercard®, Visa® or eftpos® card and that it was done at an eligible Live Better partner. A purchase must also be eligible as per each individual Live Better partner’s terms and conditions which you can find here. Also remember that you don't earn points for any amount purchased with vouchers, gift cards, discount code, store credit or for any items returned/exchanged. If you receive a partial refund, your Live Better points will be adjusted as per the final purchase value. You can only earn points on the amount charged to your payment card. If you’re still missing points and it’s been over 60 days from the purchase date, let us know at live.better@medibank.com.au.

The technology underpinning card linking is a proprietary technology operated by Mastercard®, Visa®, and eftpos®. It is currently not possible to include any other card platforms — we will keep an eye on this and keep you updated should things change. 

Make sure that you are linking a valid Australian Mastercard®, Visa® or eftpos® card and that the card has not expired. It’s also important to know that a card can only be registered for a single member — it won’t work if the card has already been linked by another member. 

If at any point you want to stop taking part in these activities, you can simply unlink your card. This means you will no longer be able to earn Live Better points when you use this card with our Live Better partners. To unlink a card, log in to the My Medibank app, go to Live Better, Earn with our partners and then navigate to the Card and membership linking page.

Following unlinking your card, card details, purchase data including the date and time of purchase, the total dollar value of the purchase and the Live Better partner the purchase was made with is retained by both Live Better rewards and Loyalty Now, our third party card linking enabler’s system.

Unfortunately, we are not able to award points retrospectively. Make sure you have checked the terms that apply to each Live Better partner and have successfully linked a payment card. Please note some Live Better partners may require you to link your Live Better rewards membership instead to your Live Better rewards account to earn points. 

No, you won’t earn points on any amounts spent that are later cancelled or refunded. If you receive a partial refund, your Live Better points will be adjusted as per the final purchase value. 

Your Medibank number and email address details must be linked to select partner accounts at the time of purchase to enable you to earn Live Better points. Refer to each partner's specific instructions on how to link your Live Better rewards account with your partner membership account. In most cases, members will need to provide their Medibank number (on your Medibank card), Medibank email address, partner membership numbers or another identifier (as specified by the Partner e.g. email address). Please see each partner’s earn offer for details on how to earn with each partner here.

Live Better points will not be applied unless your Medibank membership number and the email address you use for your My Medibank account are successfully linked to your partner account at time of purchase/activity. Refer to each partners specific instructions on how to link your Live Better rewards account with your partner membership account. Live Better points cannot be awarded retrospectively. 

When making a purchase online with our membership linking partners, after you’ve entered in your Medibank membership number in the relevant field, a message will show on the partner website to confirm if your Live Better rewards account or Medibank membership details have been successfully verified.

You will receive your points within 60 days of the eligible purchase or activity. You can view details of points earned under the points history tab in the Live Better rewards tab in the My Medibank app. Please check individual Live Better partner disclaimers for more information about what additional terms apply to specific Live Better partners. 

This is normal. The date shown in your points history is the date that the transaction lands in your Live Better rewards  account after the purchase has cleared and any return periods have passed.