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My Medibank App
We’ve made it simpler for most members to stay on top of their cover with the My Medibank App. Check your limits, submit a claim for most extras, and find a Members’ Choice provider anywhere, anytime. And to avoid surprises, most members can use the out-of-pocket feature to estimate benefits and gaps for most extras claims.⁴
That depends on the cost of providing services to members of our Overseas Health Covers at any given time. As medical costs are generally on the rise, we must review our premiums to ensure our Overseas Health Covers remain sustainable and will meet the needs and claiming pattern of members. So, we can't say that premiums won't go up in the future, but we're working hard to keep both premiums down as much as we can and deliver more value back to our members.
No. Unlike the premium changes affecting Australian resident covers, health insurers set the premiums for Overseas Health Covers themselves based on the cost of providing the product to our members.
Changes to premiums depend on factors like the general product claiming patterns of members and new technology or legislative changes and associated costs. Members who have Overseas Health Covers are typically not Australian residents, and generally do not have their treatments subsidised by Medicare, so the premiums on Overseas Health Covers reflect the full cost to insurers of providing cover to members.
We'll let you know of any changes to your premium by email or mail as soon as possible. You'll pay the new premium when you make your next payment from 1 April 2021. Don't forget that you can choose how often you pay your premium: fortnightly, monthly, quarterly, half-yearly or yearly.
Although insurers who offer Overseas Health Covers can change their rates at any time of the year, generally premium changes align with the Australian resident cover premium review period.
The industry average figure only relates to Australian resident covers, not to Overseas Health Covers.
Premium changes reflect the cost of providing health services to all members on the same level of cover, not the costs at an individual member level.
We have many products that pay towards various health services and treatments. Because the types of claims being made by members are different at each level of cover, this requires different premium rates be applied to cover the cost.
Yes, members can prepay their premium up to 12 months at any time.
Things you should know
¹ OSHC members should call the 24/7 Student Health & Support Line on 1800 887 283.
² Waiting periods and out-of-pocket expenses may apply.
³ For ambulance attendance or transportation to a hospital where immediate medical attention is required and your condition is such that you couldn’t be transported any other way.
⁴ Claims for some types of services/items excluded.
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