If your next step is to become an Australian permanent resident, and you're looking for great
health cover, we can help make the move from overseas to residential cover simple.
Awarded Outstanding Value Health Insurance 17 years running
We're proud to deliver award-winning health insurance products, but don't just take our word for it. Canstar have awarded Medibank an outstanding value award for health insurance in Australia for the 17th year in a row.
Why choose Medibank private health insurance?
With over 45 years of experience, we understand what better health means.
Accident cover boost
Medibank members with hospital cover get the benefits of Gold level cover no matter what level of hospital cover you have, thanks to our Accident Injury Benefit.~
24/7 Medibank Nurse Support
Medibank health insurance members can chat to a registered nurse over the phone or online at no extra cost.+
100% back on dental check-ups twice a year on eligible extras⁼
Here’s something to smile about – Medibank members with eligible 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.=
100% back on optical on eligible extras±
At Medibank we think you deserve to see the world clearly. That's why when you join eligible Medibank extras you get 100% back on optical items at all recognised providers up to annual limits.±
Live Better rewards
With Live Better rewards, you can earn points by tracking healthy actions. And if you're an eligible Medibank member with hospital or extras, these points can go towards rewards from select partners such as adidas and THE ICONIC, as well as select Apple products, extras limit increases or a $200 premium payment.#
Switching to Medibank residential cover has never been easier
1. Find your cover
We help you find the health insurance that best suits your needs.
2. Let us do the paperwork
Simple and easy. We’ll cancel your old membership for you.
3. No waiting periods again
There’s no need to re-serve waiting periods you’ve already served with your overseas cover.
* Offer commences 1 November 2024 and is on-going. Offer available to existing members on any of the following covers: Overseas Visitors Everyday Hospital and Medical, Overseas Workers Base Hospital, Overseas Workers Standard Hospital and Medical, Overseas Workers Advanced Hospital and Medical, Overseas Workers Premium Hospital, Medical and Extras or Top Working Visa Health Insurance, who switch to an eligible resident Hospital only, or Hospital and Extras cover (eligible cover). Excludes switching to Healthy Living Extras, Ambulance Only cover, Medibank Basic Accident and Ambulance, Overseas Visitors Cover, Overseas Student Health Cover, Overseas Workers Health Cover, Travel Insurance, Pet Insurance, Funeral Insurance, Life Insurance & Income Protection, ahm covers, Corporate Elevate products and, Corporate Basic Accident. Offer not available to Medibank employees or in conjunction with any other offer. By taking up the offer, you agree to accept these terms and conditions. Must use promo code 'MEDIBANK12'. We reserve the right to amend these terms and conditions from time to time without notice.
*The first 6 weeks free will be applied at the time the offer is taken up (resident cover commencement date). The second 6 weeks free will be applied 12 months from the end of the first 6 weeks free period. Offer cannot be redeemed for cash. Total discounts provided within a 12-month period must not exceed 12% of the annual premium during the first 12 months of the offer and/or during the second 12 months of the offer. Changes to the cover may impact campaign eligibility. The discount offer must be removed from the policy and you will forfeit any remaining weeks free if you change to a cover that makes the total discount value over 12% of the annual premium, switch to a cover that is not an eligible cover or terminate your eligible cover.
~ For Accidents that occur in Australia after your cover starts. Must seek medical treatment within 7 days, and receive hospital treatment within 12 months, of the Accident occurring. Excludes claims covered by third parties and our Private Room Promise. Out of pockets may apply.
+ Some referred services may involve out of pocket costs and waiting periods may apply.
= Eligible members on Medibank extras (excluding Healthy Living Extras and Gold Ultra Health) can claim a maximum of two 100% back dental check-ups per member, per year at a Members’ Choice Advantage provider (including bitewing x-rays where clinically required). For members on eligible extras, the first two check-ups do not count towards your annual limit. Members with Healthy Living Extras can get 100% back on one dental check-up each year at a Members’ Choice Advantage provider (including up to two bitewing x-rays, where clinically required) or at a Members’ Choice provider (excluding x-rays). Members with Gold Ultra Health can get 100% back on up to three dental check-ups at a Members’ Choice or Members’ Choice Advantage provider. Members’ Choice and Members’ Choice Advantage providers are not available in all areas. Two month waiting period applies. Some products may have other dental benefits, check your cover summary for details.
± Excludes Healthy Living Extras and select products that are no longer available for sale (for more information check your cover summary or check this page). Applies to prescription glasses and select contact lenses. Some glasses lens coatings and contact lenses are excluded. To find which specific items are included or excluded, call us on 132 331. 6 month waiting period applies.
Live Better rewards points terms: Must maintain direct debit and hold eligible product for 42 consecutive days from the policy start date to receive Live Better rewards points. The points will not be issued if you change to an ineligible cover, terminate your cover or suspend your cover during this period. Policyholder will require access to a smartphone and will need to download the My Medibank app. Policyholder will need to have registered a My Medibank account, sign up to Live Better via the My Medibank app and track a Live Better activity within 42 consecutive days from the policy start date. Must be 16 years or over to register for Live Better. Live Better rewards points could take up to 10 weeks from the policy start date to be loaded to the policyholder’s Live Better account. Singles and single parents will receive 25,000 Live Better rewards points, and families and couples will receive 50,000 Live Better rewards points.
Live Better rewards terms: Must be a Medibank member with eligible hospital cover, extras cover, or hospital and extras cover, be up-to-date with premium payments and have signed up to Live Better via the My Medibank app to redeem rewards. Additional terms and conditions may apply to the redemption of a reward depending on the type of reward chosen. Read full Medibank Live Better terms here: https://www.medibank.com.au/livebetter/rewards/terms/
# Must be 16 years or over to register for Medibank Live Better rewards in the My Medibank app. Some program partners and earning activities require a person to be at least 18 years of age to be eligible to earn and/or redeem a reward. Must be a Medibank member with hospital cover, extras cover, or hospital and extras cover, and be up-to-date with premium payments. Excludes Overseas Student Health Cover (OSHC), Ambulance only cover, ahm covers and other selected covers. Live Better Management Pty Ltd, ACN 003 457 289 has entered into commercial arrangements with Medibank Live Better program partners and may receive commissions. Please choose carefully as rewards will not be amended, cancelled, exchanged or refunded due to change of mind. Points earning activities and rewards are subject to change without prior notice and may be subject to availability. Additional terms and conditions may apply to points earning activities and rewards. See full Medibank Live Better rewards terms