Switching Health Insurance
Looking to change your health insurance? Switching to one of Australia's leading health funds is easy.
Can I switch health insurance at any time?
Yes, you can switch health insurance at any time but remember: you need to join Medibank within 2 months of leaving your previous Australian health fund if you want the waiting periods you've already served recognised and waived.
What if I change my mind?
If you're not completely happy with your cover in the first 30 days of joining, simply let us know and we can help you transfer to a more suitable cover or refund your premiums provided no claims have been made.
Do waiting periods get recognised?
Waiting periods already served only get recognised if you join within 2 months of leaving your previous Australian health fund.
You may still need to serve any waiting periods you have not fully served with your previous fund. Waiting periods for any new or upgraded services or benefits apply.
If you're unsure about your level of cover and what waiting periods you'll need to serve, call us on 134 190
Extras and benefits paid under your previous cover will determine the extras and benefits payable under your new Medibank cover.
Things you should know
^ You need to join Medibank within 2 months of leaving your old fund, or waiting periods apply again. Also, benefits that have been paid under your previous cover will be taken into account in determining the extras benefits payable under your Medibank cover.
* Waiting periods apply. For ambulance attendance or transportation to a hospital where immediate professional attention is required and your medical condition is such that you couldn't be transported any other way. Tasmania and Queensland have state schemes to cover ambulance services for residents of those states.
# Out of pockets may apply. Excludes claims covered by third parties such as Workcover. For accidents that occur after join date. Treatment must be sought within 7 days of accident on some covers.
1 For new members on new memberships who join and start eligible combined hospital and extras cover during the promo period (from April 15, while stocks last). Must quote promo code SPECSAVERS and set up direct debit when joining. Excludes Accident Cover, Ambulance Cover, Visitors Health Insurance, Working Visa Health Insurance, OSHC, ahm covers, some Corporate covers and other selected covers. Not available with any other offer. Gift card terms: Must maintain eligible cover and direct debit for 40 consecutive days after the cover start date. Gift card could take up to 8 weeks from the cover start date to arrive by post. Singles and single parents will receive a $200 Specsavers gift card, and families and couples will receive a $400 Specsavers gift card. Gift card can be redeemed at Specsavers stores, is not transferrable and is valid for 12 months from date of issue. Card must be activated within 6 months of issue. For full terms and conditions on activating and using your card see www.activatemycard.com.au/ specsavers. 2 & 6 waiver terms: 2 and 6 month waiting periods on extras waived. Other waiting periods apply. If you’ve reached your limits from a previous fund you may not be able to claim straight away.