Single and couple benefits
With Medibank Private's health insurance for singles and couples you can get on with living life
to the fullest. When you're enjoying perfect health our cover can help you stay that way and if
things should take an unexpected turn, you'll have peace of mind knowing that we can help you
feel better sooner.
Pay less tax
If your taxable income is over an amount set by the government, you can avoid paying the extra 1%
Medicare Levy Surcharge by taking out any one of our hospital covers for you and your dependants.
More information can be found at ato.gov.au
Get the Federal Government Rebate
The Federal Government 30% Rebate on private health insurance reduces your premium and makes private
health insurance more affordable. If eligible, you get at least a 30% rebate on your private health
insurance premium. As you get older you get even more back as the rebate increases. Plus, you only
need one person on your membership to be in the higher age bracket to be eligible for the higher rebate.
- 30% off your premium if you're 64 or under
- 35% if you're 65-69
- 40% if 70 or over
Avoid a higher premium by joining early
Generally, if you take out hospital cover by the 1 July following your 31st birthday and maintain it,
you can avoid paying a Federal Government Lifetime Health Cover loading on your premium.
Find out more about Lifetime Health Cover
Lower your premiums with an excess payment
An excess is an amount you must pay towards your hospital treatment. The higher the excess, the lower the premium you pay. An excess applies per person per calendar year and doesn't apply to children on your membership.
What will it cost?
Things like the type and level of cover you choose, which state you live in, whether you have an
excess and if you're a single, a couple or a family will influence your premium.
However, unlike taking out insurance for your home or car, your private health insurance premiums
aren't affected by things like gender, health condition or claims history.
Things Worth Knowing
Before you join we recommend that you take a look at Things Worth Knowing for information
on waiting periods (including the 12 month waiting period for pre-existing ailments) and other benefit assessment information.