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Taking the first step can be tough, but we're here to support you.
If you've been feeling down, anxious or stressed and don't know what to do next, Medibank health insurance members can
chat to experienced mental health professionals over the phone or online at no additional cost.<
You can talk about how you feel in a safe space, ask questions about a range of mental health concerns
and get guidance on what you can do next.
Someone is here for you, 24 hours a day, 7 days a week.
Mental health support when you need it most
24/7 Medibank Mental Health Support
Medibank health insurance members can chat with a mental health professional, over the phone or online at no extra cost.< No matter how small, we’re always on call to be your guide when you need it.
No waiting periods on psychology and counselling consultations
No waiting periods for counselling and psychology consultations on eligible Medibank Extras and packaged products.$
Virtual Psychology Clinic
Eligible Medibank members1 may access a no gap 1st virtual psychology session with a GP Mental Health Care Plan with Amplar Health.2 For full offer terms and conditions, please see here. The no-gap $60 off your first session offer is exclusive to Medibank members and/or MyHealth patients and is available until 30th June 2025. T&C’s apply.
Better minds app
Provides wellbeing checks, personalised skills training and one-on-one coaching with health professionals at no extra cost< for members over the age of 18 with eligible Hospital cover who may want some extra support.@
How could Hospital cover support your mental health?
How could Extras cover support your mental health?
What else sets Medibank apart?
Medibank is a leading private health insurer, with more than 45 years of experience delivering better health to Australians.3
Getting hospital cover allows you to be treated as a private patient. The type of hospital services you are eligible to receive benefits for depends on whether you choose basic, bronze, silver or gold hospital cover. As a Medibank Hospital member, your cover will also include, or give you access to, all of the below:
24/7 Medibank Nurse Support
Medibank health insurance members can chat to a registered nurse, about their health concerns, online or over the phone at no extra cost.<
Accident Cover Boost
If you have an Accident, you’ll have access to all clinical categories included in Gold level hospital cover, no matter what level of hospital cover you have, thanks to our Accident Cover Boost.+
Unlimited emergency ambulance
No matter which Hospital or Extras policy you choose, you'll have the peace of mind that comes from knowing that your cover includes unlimited emergency ambulance.^
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.
Be rewarded for healthy living
You could earn up to $400 worth of rewards every year.#
With Live Better rewards, you can earn points by tracking healthy actions. And if you're an eligible Medibank member with hospital and/or extras, these points can go towards rewards from select partners such as adidas or THE ICONIC, as well as select Apple products, extras limit increases or a $200 premium payment.##
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Depression vs sadness
Depression and sadness have some things in common, but they're quite different. Here's how to tell the difference between the two.
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Finding the right mental health professional for you
What’s the difference between a psychologist and a counsellor? How do you find the right psychologist for you? Our guide to mental health professionals will give you the confidence to take the first step.
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What to expect when you see a psychologist
Seeking help for mental health issues can be nerve-wracking – but don’t let that hold you back.
Stay on top of your health with Medibank
Things you should know
< Some referred services may involve out of pocket costs and waiting periods may apply.
$ For members with mental health support included in their Extras cover. Annual limits apply. Counsellors must be registered with Australian Counselling Association, Psychotherapy and Counselling Federation of Australia, Australian Traditional Medicine Society.
1 Member must be 18+ and hold a Medibank health insurance policy.
2 Medibank members can access a Virtual Psychology Clinic powered by Amplar Health, Medibank's subsidiary.
@ Not available for members with Extras only cover, Overseas Student Health Cover or Overseas Workers or Visitors Health Cover.
* To be eligible for the waiver, you need to have held hospital cover without a break of more than 2 months. You can only use the Mental Health Waiver once in your lifetime. The waiver only applies to the 2-month waiting period for the higher Included benefits for in-hospital psychiatric services and all other applicable waiting periods will continue to apply.
§ For members with mental health support included in their Extras cover. Annual limits apply. Counsellors must be registered with Australian Counselling Association, Psychotherapy and Counselling Federation of Australia, Australian Traditional Medicine Society.
3 Based on the number of policies set out in APRA’s Operations of Private Health Insurers Annual Report 2021 for Medibank Private Limited.
+ 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 Private Emergency Department Benefit, hospital bonus, claims covered by third parties and our Private Room Promise. Out-of-pocket costs may apply.
^ Waiting period applies. For ambulance attendance or transportation to a hospital where immediate medical attention is required and your condition is such that you couldn't be transported any other way. TAS and QLD have State schemes that provide ambulance services for residents of those States.
# Medibank Live Better Challenges & Goals Earning Policy: The participant of a Medibank Live Better Challenge or Goal may not receive Live Better points or may have their already credited Live Better points reversed in accordance with the Medibank Live Better terms and conditions. To earn Live Better points, the participant needs to properly complete 100% of the eligible Challenge according to the instructions. The number of Live Better points available for Medibank Live Better Challenges and Goals is subject to change without prior notice. The maximum number of Live Better points that each Medibank Live Better member can earn from successfully completing health and wellbeing Challenges, Goals or any Onboarding action in a calendar year is 40,000 Live Better points. To the extent of any inconsistency between this Policy and the Medibank Live Better terms and conditions, the terms and conditions will take precedence.
## 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.
Live Better rewards points terms: Must maintain direct debit and hold eligible product for 42 consecutive days from the policy start date to receive LiveBetter rewardspoints.Thepointswill not be issued if you change toan 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 Medibank 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/
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).