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* Must be 16 years or over to register for Medibank Live Better rewards in the My Medibank app. Some program partners and earning activities require a person to be at least 18 years of age to be eligible to earn and/or redeem a reward. Must be a Medibank member with hospital cover, extras cover, or hospital and extras cover, and be up-to-date with premium payments. Excludes Overseas Student Health Cover (OSHC), Ambulance only cover, ahm covers and other selected covers. Live Better Management Pty Ltd, ACN 003 457 289 has entered into commercial arrangements with Medibank Live Better program partners and may receive commissions. Please choose carefully as rewards will not be amended, cancelled, exchanged or refunded due to change of mind. Points earning activities and rewards are subject to change without prior notice and may be subject to availability. Additional terms and conditions may apply to points earning activities and rewards. See full Medibank Live Better rewards terms.
Awarded Outstanding Value Health Insurance 17 years running
We're proud to deliver award-winning health insurance products, but don't just take our word for it. Canstar have awarded Medibank an outstanding value award for health insurance in Australia for the 17th year in a row.
Hospital & Extras offer - Track every step with an Apple Watch from Medibank
Join and maintain eligible Medibank hospital and extras cover and you could earn 100,000 Live Better points (couples and families) or 50,000 Live Better points (singles and single parents) to redeem on rewards such as an Apple Watch. Plus, we’ll waive 2&6 month waiting periods on extras. Use promo code: LIVEBETTER. Bands are subject to availability. Offer ends 18 December 2024. New members only.‡
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Why choose Medibank private health insurance?
With over 45 years of experience, we understand what better health means.
Accident cover boost
Medibank members with hospital cover get the benefits of Gold level cover no matter what level of hospital cover you have, thanks to our Accident Injury Benefit.1
24/7 Medibank Nurse Support
Medibank health insurance members can chat to a registered nurse over the phone or online at no extra cost.2
100% back on dental check-ups twice a year on eligible extras⁼
Here’s something to smile about – Medibank members with eligible extras cover for two months or more get 100% back on up to two dental check-ups every year, including x-rays, at any Members’ Choice Advantage dentist.=
100% back on optical on eligible extras±
At Medibank we think you deserve to see the world clearly. That's why when you join eligible Medibank extras you get 100% back on optical items at all recognised providers up to annual limits.±
Live Better rewards
With Live Better rewards, you can earn points by tracking healthy actions. And if you're an eligible Medibank member with hospital or extras, these points can go towards rewards from select partners such as adidas and THE ICONIC, as well as select Apple products, extras limit increases or a $200 premium payment.*
Are you eligible to receive a great deal on health insurance?
Are you on a working visa? Visit Working Visa Health Insurance
You're eligible for a discount!
has already teamed up with Medibank to offer staff quality health cover.
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Medibank’s Corporate cover
Medibank also has general Corporate cover options you might like to browse. Our new corporate health cover makes it simpler than ever to use your extras to stay healthy, and gives you access to an ongoing 5% discount.
Switching to Medibank has never been easier
1. Find your cover
We help you find the health insurance that best suits your needs.
2. Let us do the paperwork
Simple and easy. We’ll cancel your old membership for you.
3. No waiting periods again
There’s no need to re-serve waiting periods you’ve already served with your old fund.3
Need some help navigating health insurance?
Things you should know
1 For Accidents that occur in Australia after your cover starts. Must seek medical treatment within 7 days, and receive hospital treatment within 12 months, of the Accident occurring. Excludes claims covered by third parties and our Private Room Promise. Out of pockets may apply.
2 Some referred services may involve out of pocket costs and waiting periods may apply.
= Eligible members on Medibank extras (excluding Healthy Living Extras and Gold Ultra Health) can claim a maximum of two 100% back dental check-ups per member, per year at a Members’ Choice Advantage provider (including bitewing x-rays where clinically required). For members on eligible extras, the first two check-ups do not count towards your annual limit. Members with Healthy Living Extras can get 100% back on one dental check-up each year at a Members’ Choice Advantage provider (including up to two bitewing x-rays, where clinically required) or at a Members’ Choice provider (excluding x-rays). Members with Gold Ultra Health can get 100% back on up to three dental check-ups at a Members’ Choice or Members’ Choice Advantage provider. Members’ Choice and Members’ Choice Advantage providers are not available in all areas. Two month waiting period applies. Some products may have other dental benefits, check your cover summary for details.
± Excludes Healthy Living Extras and select products that are no longer available for sale (for more information check your cover summary or check this page). Applies to prescription glasses and select contact lenses. Some glasses lens coatings and contact lenses are excluded. To find which specific items are included or excluded, call us on 132 331. 6 month waiting period applies.
3 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.
‡ For new members on new memberships who join and start eligible combined Bronze hospital and extras cover or above from 7 November – 18 December 2024 and who have not held Medibank health cover in previous 60 days (unless they are dependents coming off their parent’s cover). Must quote promo code ‘LIVEBETTER’ when joining. Excludes Hospital only cover, Extras only cover, Basic covers, Corporate covers, Accident Cover, Ambulance Cover, Overseas Visitors Health Insurance, Overseas Students Health Cover (OSHC), Working Visa Health Insurance, ahm covers and other selected covers. Not available with any other offer. Medibank may end this offer or amend these offer terms and conditions at any time without notice. Medibank employees are not eligible for this offer.
2&6 month waits waived on extras terms: 2&6 month waiting periods on extras waived. Other waiting periods apply (including 12 months on some dental services). If you're switching from another fund and you’ve used any of your current limits (at that fund), that will count towards your annual limits with us. If you've reached your limits at your previous fund you may not be able to claim straight away on extras.
Live Better rewards points terms: Must maintain direct debit and hold eligible product for 28 consecutive days from the policy start date to receive Live Better rewards points. The points will not be issued if you change to an ineligible cover, terminate your cover or suspend your cover during this period. Policyholder will require access to a smartphone and will need to download the My Medibank app. Policyholder will need to have registered a My Medibank account, sign up to Live Better rewards via the My Medibank app and track a Live Better rewards activity within 28 consecutive days from the policy start date. Must be 16 years or over to register for Live Better rewards. Live Better rewards points could take up to 8 weeks from the policy start date to be loaded to the policyholder’s Live Better account. Singles and single parents will receive 50,000 Live Better rewards points, and families and couples will receive 100,000 Live Better rewards points.
Live Better Rewards terms: Must be a Medibank member with eligible hospital cover, extras cover, or hospital and extras cover, be up-to-date with premium payments and have signed up to Medibank Live Better rewards with My Medibank or have linked their MyMedibank account with their Live Better rewards account to redeem rewards. Additional terms and conditions may apply to the redemption of a reward depending on the type of reward chosen. Read full Medibank Live Better rewards terms here: https://www.medibank.com.au/livebetter/rewards/terms/
Apple terms: Apple Watch SE requires iPhone Xs or later with iOS 18 or later. Bands are subject to availability. Carrier plan required for cellular service. Contact your service provider for more details. Connection may vary based on network availability. International roaming is not supported. Check apple.com/au/watch/cellular for participating carriers and eligibility. See support.apple.com/en-au/HT207578 for additional setup instructions.