24/7 Medibank Nurse
We know that it's important to access healthcare anywhere, anytime. That's why members with Hospital cover can call our phone service to speak to a Medibank nurse about their health concerns at any time of the day and night.1
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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 2019. Don't forget that you can choose how often you pay your premium: fortnightly, monthly, quarterly, half-yearly or yearly.
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. Members can also 'lock in' their premium at their 2018 rate by prepaying prior to 31 March 2019 (ie. before the 1 April premium change).
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.
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.
The industry average figure only relates to Australian resident covers, not to Overseas Health Covers.
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 providing cover to 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 offering the product.
This really depends on the state of the Australian healthcare at any given time. 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.
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.
Things you should know
^Out-of-pocket expenses may apply. Limited to services listed on the Medicare Benefit Schedule (MBS). Excludes claims covered by third parties such as Workcover. Some products may have additional conditions, including that the accident occurs after join date and that treatment must be sought within 7 days of accident. See your Cover Summary for details.
* 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.
# Waiting periods and out of pocket expenses may apply.
~ Out-of-pocket expenses may apply.
1 OSHC members should call the Student Health & Support Line on 1800 887 283.