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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.
You spoke, we listened
When you said you wanted better value, personalised support and more choice, we listened. We've been working with doctors, experts in medical technology and our members to make health insurance better. Discover the recent changes we've made below, inspired by you.
100% back on dental check-ups twice a year on eligible extras1
With eligible extras cover you get 100% back on up to two check-ups each year at a Members’ Choice Advantage Dentist (including bitewing x-rays where clinically required).1
Hospital Assist
Beyond just helping to pay towards hospital bills, we’re looking at ways to make going to hospital easier. The Hospital Assist program includes a Health Concierge phone service, a Digital Concierge for online assistance, a 24/7 Advice Line and Patient Reported Experience surveys (PREMS).
Medibank at Home
We know that treatments like chemotherapy and dialysis are tough. That’s why we developed Medibank at Home, so our members can access healthcare on their terms. The trial program — which we’re hoping to roll out nationally — allows eligible members to receive treatment for chemo and dialysis from the comfort of their own home.
We're about making health insurance better
Learn about the changes we've been making to deliver better value, better service and better support for our members.
Accident cover boost
We know that accidents happen. And when they do, recovery should be top priority. That's why 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.~
Hospital Experience Scores
To improve our members stays in hospital, we introduced the Patient Reported Experience Measures Survey (PREMS). The survey asked people to rate their hospital experience — from staff interaction to cleanliness. The feedback helped us build a tool, so that you can search for hospitals across Australia and discover how they were rated.
My Medibank app
We made it simple for our members to stay on top of their cover with the MyMedibank App. Easily check your limits, make a claim and find a Members’ Choice provider anywhere, anytime. And now, you can estimate your benefits and any gap for your extras claims, so you’ll know how much you could get back before leaving the house.
24/7 Medibank Nurse Support
We know that it’s important to access healthcare anywhere, anytime. That’s why our health insurance members can always speak with a registered nurse, 24/7. Whether it’s a question about how to manage your symptoms or when you should see a doctor, day or night, chat over the phone or online 1800 644 325 for round-the-clock health support.#
What are some common hospital procedures for someone like you?
Our interactive tool reveals the common procedures, what you might pay out-of-pocket and how health insurance could help manage the costs.
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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Changes to private health insurance
From 1 April 2019, the federal government introduced a range of health insurance reforms, to make it easier for all Australians to better understand health insurance. And we’ve welcomed these changes by getting on the front foot. Depending on your level of cover, you may have been affected by some of these changes. But don’t worry, we’re here to help make the transition as smooth as possible. Find out more.
Things you should know
1 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.
~ 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.
# Some referred services may involve out of pocket costs and waiting periods may apply.
Things you should know:
^Terms, conditions and waiting periods apply. Medibank Pet Insurance is issued by The Hollard Insurance Company Pty Ltd (ACN 090 584 473 AFSL 241436), administered by PetSure (Australia) Pty Ltd (ACN 075 949 923 AFSL 420183) and distributed by Medibank Private Limited (ACN 080 890 259 AR 286089). Any advice provided is general only. Please consider your own objectives, financial situation and needs and the Product Disclosure Statement, available from medibank.com.au, to decide if this product is right for you.
While we hope you find this information helpful, please note that it is general in nature. It is not health advice, and is not tailored to meet your individual health needs. You should always consult a trusted health professional before making decisions about your health care. While we have prepared the information carefully, we can’t guarantee that it is accurate, complete or up-to-date. And while we may mention goods or services provided by others, we aren’t specifically endorsing them and can’t accept responsibility for them. For these reasons we are unable to accept responsibility for any loss that may be sustained from acting on this information (subject to applicable consumer guarantees). Medibank Private Limited ABN 47 080 890 259
‡ 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.