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Why premiums are reviewed annually
Reviewing premiums each year allows us to keep up with rising healthcare costs. This means we can continue to provide you with affordable access to Australia’s high quality healthcare system during your time here.
Reasons to keep your health cover
At Medibank, we’re investing in initiatives that will give you plenty of value from your cover and support you when you need it most. Our 24/7 Medibank Nurse and Medibank Mental Health Phone Support lines are available for all members with hospital cover.
Due to higher demand for these services we have increased the number of our health experts.
24/7 Medibank Nurse Phone Service
Health concerns keeping you up at night? Members with hospital cover are supported by Medibank nurses on our 24/7 Medibank Nurse phone support line.¹
Peace of mind if the unexpected occurs
On top of meeting any health insurance requirements for your visa, your cover includes comprehensive hospital services and unlimited emergency ambulance services Australia-wide.² ³ Plus, depending on the cover you hold, outpatient medical services, such as seeing a GP, blood tests and x-rays.²
Medibank Mental Health Phone Support
Members with hospital cover can talk with a mental health professional over the phone in relation to any mental health or emotional concern, 24 hours a day 7 days a week.¹
Get the most out of your cover
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
Helping you live better
Allied Health
For those everyday needs and mishaps, you have access to a range of services (e.g. physio and eye checks) provided by health professionals who may not be doctors or nurses.
Allied Health services aim to prevent, diagnose and treat conditions and illnesses, often as part of a holistic, multi-disciplinary regime, to provide the best outcomes.
Your cover includes benefits for eligible Allied Health services billed with a Medicare Benefits Schedule (MBS) item number, with no annual limits on how much or how often you can claim under your health cover. Waiting periods may apply.
Are you on the right cover?
Everyone benefits from a quick health check now and then. And the same goes with your health insurance.
We know that affordability will always be important for our members. Our team is on hand to discuss options that could make your premiums more manageable. If your circumstances or visa status has changed since we last spoke, it may be a good time to review your cover and check if a different cover option may be more suitable.
Pathway to Permanent Residence for Retirees
If you’ve been living in Australia as a retiree, you may now be eligible to apply for Permanent Residence in Australia.
If you become a permanent Australian resident, or otherwise become entitled to full Medicare benefits, your cover may no longer be appropriate and you should contact us to discuss moving to an Australian resident cover.
You can find out more about the pathway to Permanent Residence for Retirees.
Frequently asked questions
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.
Have questions?
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