Medibank and Amcal

Things you should know

¹ The offer: For new members on new memberships who join eligible Medibank combined hospital and extras cover. Must quote promo code ‘AMCAL’ and set up direct debit when joining. Excludes Accident ONLY cover, Ambulance ONLY cover, Extras ONLY cover, Overseas Visitors Cover (OVC), Overseas students health cover (OSHC), Working Visa Health Insurance, Travel Insurance , Pet Insurance, Funeral Insurance, Life Insurance, ahm cover and all corporate covers. AMCAL gift card terms: Must hold the same eligible cover and not be in arrears for 65 consecutive days from the policy start date. Family and couple policy holders will receive a $400 Amcal gift card, and single and single parent policy holders will receive a $200 Amcal gift card. The gift card will take up to 12 weeks to arrive by post after the policy start date. The gift card is only redeemable at Amcal Pharmacies. The gift card balance expires within 12 months of the issue date. The gift card is not refundable and cannot be redeemed for cash. Lost or stolen cards will not be replaced or refunded and no liability will be accepted for the loss, theft or destruction of gift cards. For enquiries regarding your gift card please visit amcal.com.au or call 1300 554 268. 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.

² 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. 

³ Live Better points will be displayed in your Medibank Live Better account within 3 days of making an instore purchase. Live Better points will not be earned on purchases from Amcal online, prescription purchases or purchase amounts that have been paid for with an Amcal e-Gift Card, Gift Card or coupon, or via Amcal Rewards points. Live Better points will not be applied unless the Medibank Live Better account is successfully linked to the Amcal Rewards membership account prior to purchase. Each Medibank Live Better account can only be linked to one Amcal account. Live Better points cannot be awarded retrospectively. This offer may be withdrawn or change at any time.

⁴ Amcal members will earn Amcal Rewards points on all purchases they make at any participating Amcal pharmacy or at www.amcal.com.au, other than for excluded items. Excluded items include gift cards, prescriptions products advertised as being excluded and products where the granting of points would be otherwise be prohibited by law. Amcal Rewards points will not be earned on redemptions. Members will receive 1 Point for every 20¢ spent (5 Points per $1.00) on non-excluded items. Bonus points may be offered from time to time. If you do not have your Amcal Rewards Card with you at the time of purchase you can return to the point of purchase within 30 days with a copy of your receipt and your Amcal Rewards Card and the points will be credited to your account. Transactions processed online must include your Amcal Rewards membership number in order to earn points, points cannot be allocated retrospectively to online transactions. Secondary Amcal Rewards Cards will not earn points for online transactions.

^{^} Based on the number of policies set out in APRA’s Operations of Private Health Insurers Annual Report 2021 for Medibank Private Limited.

⁵ 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. Some products may have other dental benefits, check your cover summary for details.

⁶ 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. 

⁷ Some referred services may involve out of pocket costs and waiting periods may apply.

⁸ Members' Choice not available in all areas.

⁹ For Accidents that occur in Australia after your hospital 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.  

¹⁰ Waiting period applies. For ambulance attendance or transportation to a hospital where immediate professional attention is required and your medical condition is such that your couldn't be transported any other way. Tasmania and Queensland have State schemes to cover ambulance services for residents of this States.

¹¹ Waiting periods you have not fully served with your previous fund may still need to be served. Waiting periods for any new or upgraded services or higher benefits apply. Benefits that have been paid under your previous cover will be taken into account in determining the benefits payable under your Medibank cover.