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Health insurance that's right for you

At Medibank, we’re all about supporting better health. Better health for individuals, couples and families that’s easy to understand.

health insurance at Medibank

Why private health insurance?

Good health tops everything. So when it comes to looking after your (or your family’s) health, you may want choice over when and where you’re treated. Plus there are the lifestyle benefits that come with having private health insurance for extras like dental, optical and physio. Even if you’re healthy, we’ll give you the support you need to stay at the top of your game, including health and fitness offers and free programs like free + active.

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Accident cover boost

If you have an Accident, you’ll get the benefits of our top level hospital cover, no matter what level of hospital cover you have.#

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Better value extras

Every Medibank Member with Extras cover gets 100% back on up to two annual dental check-ups with x-rays at any Members’ Choice Advantage dentist, after serving the two month waiting period.~ Plus, members also get 100% back on optical items at all recognised providers, up to annual limits.^

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My Medibank app

Most members can view their extras limits on the go, plus you can also make a claim on a wide range of extras with the My Medibank app.*

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Medibank at Home

With your doctor's support, eligible members can choose whether a treatment is delivered in the hospital or home, with a range of services, such as rehabilitation and chemotherapy.+

We're implementing all health insurance reforms to give you better value health cover. 

The new changes aim to make health insurance simpler to understand and easier to compare hospital products, so you can find cover that best suits your needs. 

Medibank awarded Canstar Outstanding Value 11 years in a row 2008 - 2018

Canstar awarded ‘Outstanding Value Insurance’ 12 years in a row

We’re proud to deliver outstanding value health insurance products designed to suit your needs. But don’t just take our word for it.

Understanding health insurance

There may be different times in your life when you need to think about health insurance, but it may be complicated if you're new to it. We've pulled together all of the information you need to help you get started.

To encourage more Australians to take up private health insurance, the government offers incentives like the Australian Government Rebate (AGR) to make private health cover more affordable.

Having private hospital cover also means you may be able to avoid the Lifetime Health Cover loading and the Medicare Levy Surcharge.

health insurance at Medibank
Things you should know

# For Accidents that occur after your cover starts and for which treatment is sought within 7 days. Excludes claims covered by third parties such as WorkCover and our Private Room Promise. Out of pockets may apply.

~ Limited to two dental check-ups on all extras annually. Maximum two bitewing x-rays per check-up, where clinically needed. Not available in all areas.

^Waiting periods apply. Up to annual limits, Some lens coatings excluded.

* Some claims, like paper based, may take longer to update. If you have Visitors Health Insurance, Working Visa Health Insurance or Overseas Student Health cover, you may not be able to use all the features.

+ Not available in all areas. Must have eligible hospital cover, all relevant waiting periods must have been served and treating doctor must consider it appropriate. Out of pocket expenses may apply.
 

‡ For new members on new memberships who join and start eligible combined hospital and extras from 1 October – 2 December 2019 and who have not held Medibank health cover in previous 60 days. Must quote promo code SPECSAVERS2019 and set up (and maintain for at least 45 consecutive days from policy start date) 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. Gift card terms: Must maintain eligible cover and direct debit for 45 consecutive days after the policy start date. Gift card could take up to 8 weeks from the policy 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 https://specsavers.activatethecard.com.au. 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. Not available with any other offer.