Want 6 weeks free and up to $500 in gift cards?

Join and maintain eligible Bronze hospital and extras cover or above and you could get 6 weeks free plus 50,000 Live Better points (couples and families) or 25,000 Live Better points (singles and single parents) to redeem on rewards like gift cards. We’ll also waive 2&6 month waiting periods on extras.

Use promo code: 6WEEKSPLUS. Offer ends 21 November 2024. New members only.€

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Hospital only offer - Want up to 8 weeks free plus up to $400 in gift cards?

Join and maintain eligible Bronze hospital cover or above and you could get up to 8 weeks free plus 40,000 Live Better points (couples and families) or 20,000 Live Better points (singles and single parents) to redeem on rewards like gift cards. Use promo code: HOSP8WEEKS. Offer ends 11 December 2024. New members only.⚭

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Find health insurance that's right for you

 

Get discount cover if you work with one of our partner companies

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Health premiums changed on 1 April 2024

Want to know more about your new premium?

 

Medibank Travel Insurance

Planning to travel? Our COVID-19 travel insurance benefits could help you relax and enjoy your much-needed break even more.¥

Why choose Medibank private health insurance?

With over 40 years of experience, we understand what better health means for our 3.7 million members.

 

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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

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24/7 Medibank Nurse Support

Medibank health insurance members can speak to a registered nurse about their health concerns, at no extra cost.2 Chat online or over the phone anytime of the day or night, 7 days a week.

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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.=

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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.±

Switching to Medibank has never been easier

 

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1. Find your cover

We help you find the health insurance that best suits your needs.

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2. Let us do the paperwork

Simple and easy. We’ll cancel your old membership for you.

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3. No waiting periods again

There’s no need to re-serve waiting periods you’ve already served with your old fund.3

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.

Things you should know

» Waiting periods of up to 12 months apply.

¥ Limits, sub-limits, exclusions and conditions apply. This is general advice only. Medibank Private Limited, ABN 47 080 890 259, an Authorised Representative, AR 286089, of Travel Insurance Partners Pty Limited, ABN 73 144 049 230 AFSL 360138 arranges the insurance on behalf of the insurer. The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507. Please consider your own needs and the Combined FSG/PDS to decide if this product is right for you. For information on the Target Market and Target Market Determinations, visit medibank.com.au/travel-insurance/help/

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 18 September – 21 November 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 ‘6WEEKSPLUS’ and set up direct debit when joining. Excludes Basic cover, Corporate covers, Hospital only cover, Extras only cover, Accident Cover, Overseas Visitors Health Cover, Overseas Workers Health Cover, Overseas Students Health Cover (OSHC), Ambulance Cover, ahm covers, and other selected covers. Not available to Medibank employees. Not available with any other offer. Medibank reserves the right to amend these Terms and Conditions from time to time.

6 weeks free terms: Must maintain direct debit and hold eligible cover for 42 consecutive days from the policy start date to get next 6 weeks free. The 6 weeks free will not be issued if you change to an ineligible cover, terminate your cover or suspend your cover during this period.

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). Annual limits apply. 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 42 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 via the My Medibank app and track a Live Better activity within 42 consecutive days from the policy start date.  Must be 16 years or over to register for Live Better. Live Better rewards points could take up to 10 weeks from the policy start date to be loaded to the policyholder’s Live Better account. Singles and single parents will receive 25,000 Live Better rewards points, and families and couples will receive 50,000 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 Live Better via the My Medibank app 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 terms here: https://www.medibank.com.au/livebetter/rewards/terms/  

 For new members on new memberships who join and start eligible Bronze hospital cover or above from 9 October – 11 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 HOSP8WEEKS and set up direct debit when joining. Excludes Basic Hospital Cover, combined Hospital and Extras Cover, Corporate Covers, Extras only Cover, Accident Cover, Overseas Visitors Health Cover, Overseas Workers Health Cover, Overseas Students Health Cover (OSHC), Ambulance Cover, ahm covers, and other selected covers. Not available to Medibank employees. Not available with any other offer. Medibank reserves the right to amend these Terms and Conditions from time to time.

Weeks free terms: Must set up direct debit when joining and hold eligible cover for 42 consecutive days from the policy start date to get initial 6 weeks free, and for 14 consecutive months to receive subsequent 2 weeks free. The initial 6 weeks free will be applied at the next billing cycle after you have held eligible cover for 42 consecutive days. The subsequent 2 weeks free will be applied at the next billing cycle after you have held eligible cover for 14 months. The initial 6 weeks free and/or the subsequent 2 weeks free will not be issued if you change to an ineligible cover, terminate your cover or suspend your cover during this period. Discounted amount to reflect level of eligible cover at time of discount.

Live Better rewards points terms: Must maintain direct debit and hold eligible product for 42 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 via the My Medibank app and track a Live Better activity within 42 consecutive days from the policy start date.  Must be 16 years or over to register for Live Better. Live Better rewards points could take up to 10 weeks from the policy start date to be loaded to the policyholder’s Live Better account. Singles and single parents will receive 20,000 Live Better rewards points, and families and couples will receive 40,000 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 Live Better via the My Medibank app 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 terms here: https://www.medibank.com.au/livebetter/rewards/terms/  

Travel insurance with a range of COVID-19 benefits

Planning a trip within Australia or packing your bag to go overseas? Our COVID-19 travel insurance benefits could help you relax and enjoy your much-needed break even more.±

Find out more Get a quote
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Canstar Award

Multi-award winning travel insurance

We're proud to be winners of Mozo's Experts Choice Awards in 2022 & 2023 and Mozo's People's Choice Award in 2024.

We're proud winners of Mozo's Experts Choice awards in 2022 and 2023.

Where are you headed?

 

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International

Get travel insurance for your overseas holiday. Choose between our Medical only or Comprehensive plans for peace of mind.

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Domestic

Cover for unforeseen cancellations, amendments and delays, plus up to $5,000 towards any rental car insurance excess for rental car damage or theft.

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Compare Travel Insurance

Decide what you want to have cover for, select your inclusions, and enjoy a relaxing trip.

 

More than one trip a year?

Annual Multi-Trip cover is the ideal option if you're a frequent flyer, both domestically and overseas. It offers you comprehensive cover for every trip you take within your chosen region for the next 12 months.

Find out more
Things you should know

± Limits, sub-limits, exclusions and conditions apply. This is general advice only. Medibank Private Limited, ABN 47 080 890 259, an Authorised Representative, AR 286089, of Travel Insurance Partners Pty Limited, ABN 73 144 049 230 AFSL 360138 arranges the insurance on behalf of the insurer. The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507. Please consider your own needs and the Combined FSG/PDS to decide if this product is right for you. For information on the Target Market and Target Market Determinations, visit medibank.com.au/travel-insurance/help/

Members save 10% on pet insurance

If you're a Medibank or ahm member, you can save 10% on award-winning pet insurance premiums every year. #

Get a quick quote Find out more
Members save 10% on pet insurance.

Award-winning pet insurance

We're pretty proud to have award winning pet insurance for your four-legged friends.

Winner of Mozo's 2024 Experts Choice Award for Exceptional Quality Pet Insurance for Pet Plus and Pet Max.

Winner of Canstar's 2023 and 2024 Outstanding Value Pet Insurance with Routine Care award.

Winner of WeMoney's 2024 Award - Best For Value (Routine Care) - Pet Insurance and 2024 Finalist for Best For Flexibility - Pet Insurance.

Things you should know

Pet Insurance


Medibank Pet Insurance policies entered into for the first time prior to 30 August 2023 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by PetSure’s Authorised Representative (AR) Medibank Private Limited ABN 47 080 890 259, AR 286089 (Medibank).

Medibank Pet Insurance policies entered into for the first time on or after 30 August 2023, and subsequent renewals of those policies are issued by PetSure and promoted and distributed by PetSure’s AR, Medibank.

Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) ensure this product meets your needs before purchasing, or choosing to continue with the product. PDS and Target Market Determination available at medibank.com.au/pet-insurance.

Insurance that supports your future and the people that matter

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Life cover

Take care of the people who mean the most to you.

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Income protection

Helps to support you should the unexpected happen.

 

 

It seems like a lot to think about, but worrying about the people you love is worse. Remember, our team is on hand to answer any questions you might have.

Contact us

Things you should know

Life Insurance

Medibank Life Insurance and Medibank Income Protection (collectively Medibank life insurance) are issued by the insurer, Zurich Australia Limited ABN 92 000 010 195 AFSL 232510 (Zurich). NEOS Direct, a registered business name of NDLI Pty Ltd ABN 70 665 747 277 AFSL 547119, distributes and services Medibank life insurance, which is promoted by NEOS Direct's authorised representative Medibank Private Limited ABN 47 080 890 259 (AR No. 286089) (Medibank).  

Any advice provided is general only and doesn’t consider your objectives, financial situation or needs. You should consider these factors, the appropriateness of the advice, and carefully read the relevant Product Disclosure Statement (which sets out the product terms, conditions and exclusions), Target Market Determination and Financial Services Guide before making a decision to acquire, or continue to hold, the product.

Your personal information will be handled in accordance with the Privacy Policies of the parties involved. Click here for NEOS Direct's Privacy Policy, Medibank Private's Privacy Policy or Zurich's Privacy Policy