Our health cover tips
Live Better rewards is Medibank's health and wellbeing program inspiring, supporting and rewarding you to eat, move, and feel better, all while enjoying the things you do every day. Medibank members with eligible Hospital or Extras cover could earn up to $400 worth of rewards every year from our range of partners or even get discounts on premium payments, by redeeming the points earned for taking healthy actions.##
Ways you can earn Live Better rewards points:
Track your healthy actions
Be rewarded for activities you might already be doing such as walking, eating healthy food, sleeping and more.##
Shop with our health and wellbeing partners
Earn points when you shop with our partners including The ICONIC, adidas, Brooks and Apple. New partners are added regularly.<
Get a health check
We’ll reward you with up to 500 Live Better points each calendar year for your first eligible consultation (that Medibank pays benefits towards) with a Members' Choice Advantage provider for remedial massage, physiotherapy, chiropractic, acupuncture or podiatry.#
Mental health support when you need it most
Telehealth mental health services
Medibank members with eligible extras can receive benefits towards psychology or counselling consultations delivered face-to-face or through telehealth by registered Psychologists and Medibank recognised Counsellors, up to annual limits.&
No waiting periods on psychology and counselling consultations
No waiting periods for counselling and psychology consultations on Medibank Extras and packaged products.$
24/7 Medibank mental health phone support
Members with Hospital cover can talk with our qualified mental health professionals to access mental health or emotional support 24/7.
Better Minds app
Medibank’s 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.@
Things you should know
## Live Better rewards members could earn up to 40,000 Live Better rewards points each calendar year for successfully completing select Live Better rewards points-earning activities. These activities include, but are not limited to, health and wellbeing challenges, the Weekly Goal, onboarding actions, partner activity earn and the daily auto-tracking bonus. This does not include points earned by shopping with Live Better rewards partners or visiting Members' Choice Advantage providers. 40,000 Live Better points could be redeemed for up to $400 worth of rewards from the Live Better rewards store.
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 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. To the extent of any inconsistency between this Policy and the Medibank Live Better rewards terms and conditions, the terms and conditions will take precedence.
*Must be 16 years or over to register for Medibank Live Better. 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. Rewards are subject to change without prior notice and are subject to availability. Must be a Medibank member with hospital cover, extras cover, or hospital and extras cover, be up-to-date with premium payments and have signed up to Medibank Live Better with My Medibank to earn Live Better points for eligible purchases and redeem rewards. 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. Additional terms and conditions may apply to the redemption of a reward depending on the type of reward chosen. See full Medibank Live Better rewards terms.
#Maximum 500 points per member per calendar year. Member will be awarded points for their first eligible consultation each calendar year at one of the following services: physiotherapy, chiropractic, remedial massage, acupuncture or podiatry. Service must be completed by a Members' Choice Advantage provider. Must be a Medibank member with eligible extras cover, or eligible hospital and extras cover. Member must be up-to-date with premium payments. Award of points is subject to the approval of a claim for the health service. Waiting periods and annual limits may apply. Member must have already signed up to Medibank Live Better with the My Medibank app within 6 months from the date of receiving the eligible health service to be awarded points, subject to Medibank Live Better terms. Live Better Points earned from claims for children under 18 years of age will go to the policy holder’s Live Better account. See full Medibank Live Better terms. Excludes Overseas Student Health Cover (OSHC), Ambulance only cover, ahm covers and other selected covers. Medibank's agreements with Members' Choice Advantage providers are subject to change. Not available in all areas.
<To earn Live Better rewards points, payment must be made directly to an eligible Live Better rewards partner using a linked Mastercard, Visa or eftpos payment card at the time of purchase (including payments made with Apple Pay or Google Pay using a linked payment card). Live Better rewards points will only be earned on the total amount charged to a linked payment card. Live Better rewards points earned will be displayed in a Live Better rewards user’s account within 60 days of the date of an eligible purchase. Live Better rewards points cannot be earned on (1) purchases made via a third-party payment provider or platform such as PayPal and Afterpay, (2) purchases that are cancelled or refunded, (3) any purchase amount paid for by a gift card or reduced with a promotional discount or (4) purchases made in conjunction with any other third-party or third-party offer. Individual terms and conditions apply to different Live Better rewards partners. Specific terms and conditions for each Live Better rewards partner are available via the Live Better rewards partner hub
!25% discount applies to new, full price 12 & 18 month Platinum memberships purchased by eligible Medibank members with hospital or extras cover. Must be 16 years or over to register for Medibank Live Better rewards in the My Medibank app. Some gym restrictions apply to under 18 year olds. Not available in Tasmania. Full gym membership terms and conditions can be found at https://www.fitnessfirst.com.au/terms-and-conditions/ and at https://www.goodlife.com.au/terms-and-conditions/. See full Medibank Live Better rewards terms.
+To be eligible, you must be aged 18-29 and take out your own policy or a policy with your partner.
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 dentist (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.
=If your annual income is over $97,000 as a single (or $194,000 as a single parent/couple/family) and you or any of your dependants don’t have an appropriate level of hospital cover, you may need to pay the Medicare Levy Surcharge. The family income threshold for single parents, couples and families is increased by $1,500 for each MLS dependant child after the first child. For the purpose of MLS, income and dependants have a special definition.
^Tasmania and Queensland have State schemes to cover ambulance services for residents of those States.
& Check your cover summary to see if these services are included on your extras cover. Counsellors will be recognised by Medibank if they are registered with Australian Counselling Association, Psychotherapy and Counselling Federation of Australia, Australian Traditional Medicine Society.
$ 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.
@ Not available for members with Extras only cover, Overseas Student Health Cover or Overseas Workers or Visitors Health Cover.
Are you thinking about Hospital cover?
What sets Medibank apart?
Medibank 24/7 nurse phone support
Members with hospital cover can speak to a qualified nurse about their health concerns at any time of the day or night.@
Accident cover boost
With our Accidental injury benefit, you could get Gold level Hospital benefits if you have an accident and hold eligible Hospital cover, regardless of your level of cover. 5
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.^
Better Minds App
Get wellbeing checks, personalised skills training and one-on-one coaching with health professionals on the app at no extra cost for members over the age of 18 with eligible Hospital cover who may want some extra support.$
Award Winning Health Insurance
We're proud to deliver outstanding value health insurance products designed to suit your needs, at all stages of life.
Hospital & Extras offer - 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 31 July 2024. New members only.€
Get a quote Find out more
Explore our Hospital covers that may be best suited to you
The amount you pay before Medibank contributes to your hospital costs.
Waiting periods and annual limits may apply.
Want to combine Hospital cover with Extras?
Medibank member perks
There's more to Medibank than just valuable health cover. As a member, you get access to discounts, programs, and services to help you reach your potential.
Access to discounts
As a Medibank member with Live Better rewards#, you can get 25% off 12- and 18-month Platinum gym memberships at Goodlife or Fitness First.!
Plus, if you're a Medibank health insurance member, you can enjoy a 15% discount on award winning travel insurance all year round.*
Live Better rewards
Live Better is a health and wellbeing program inspiring, supporting and rewarding you to eat, move, and feel better, all while enjoying the things you do every day.
Medibank members with eligible Hospital or Extras cover could earn up to $400 a year in rewards# by redeeming the points earned for taking healthy actions.##
Medibank App
Our app makes it easy to check your cover details and keep on top of your extras limits and waiting periods. Plus, you can find a Members’ Choice provider, make changes to your details and make a claim.
Things you should know:
1 Eligible hospital cover includes residential hospital covers. Extras cover, Ambulance cover, Overseas Student Health Cover, Overseas Workers Health Cover, Overseas Visitors Health Cover and Corporate Elevate products are excluded.
2 To be eligible you'll have to have your own policy or a policy with your partner, you can't be a dependent on your parents' policy. If you are on a couple or family policy, the discount is calculated by taking an average of the discount applied to the adults on the hospital cover. So, if one person has a 10% discount and their partner has no discount, or 0%, the discount applied is 5% overall.
3Adult Dependants may only remain on or be added to select family and single parent covers. If you are not an eligible family cover, you may need to change to one that is.
4 The single parent/couple/family income threshold is increased by $1,500 for each MLS dependant child after the first child. 'income’ and 'dependants' have a specific meaning for Medicare Levy Surcharge purpose. Learn more.
@ OSHC members should call the Student Health & Support Line on 1800 887 283.
^ Waiting period applies. For ambulance attendance or transportation to a hospital where immediate professional attention is required, and your medical condition is such that you couldn't be transported any other way. Tasmania and Queensland have State schemes to cover ambulance services for residents of those States.
5 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 pocket costs may apply.
$ Not available for members with extras only cover, Overseas Student Health Cover or Overseas Workers or Visitors Health Cover.
# Live Better rewards members could earn up to 40,000 Live Better rewards points each calendar year for successfully completing select Live Better rewards points-earning activities. These activities include, but are not limited to, health and wellbeing challenges, the Weekly Goal, onboarding actions, partner activity earn and the daily auto-tracking bonus. This does not include points earned by shopping with Live Better rewards partners or visiting Members' Choice Advantage providers. 40,000 Live Better points could be redeemed for up to $400 worth of rewards from the Live Better rewards store.
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 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. To the extent of any inconsistency between this Policy and the Medibank Live Better rewards terms and conditions, the terms and conditions will take precedence.
## Must be 16 years or over to register for Medibank Live Better rewards. 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, be up-to-date with premium payments and have signed up to Medibank Live Better rewards with My Medibank to earn Live Better points for eligible purchases and redeem rewards. Rewards are subject to change without prior notice and are subject to availability. 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 rewards program partners and may receive commissions. Additional terms and conditions may apply to the redemption of a reward depending on the type of reward chosen. See full Medibank Live Better rewards terms.
! 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. See full Medibank Live Better rewards terms.
Fitness First 25% discount with Fitness First applies to new, full price 12 & 18 month Platinum memberships purchased by eligible Medibank members with hospital or extras cover. Not available in conjunction with any other offers or discounts. To obtain the discount, simply present your photo ID, Medibank Membership Card and the partner offer page within My Medibank app when signing up at any participating gym. The name and email address used to sign up at the gym must exactly match the details attached to your Medibank account in order to earn Live Better points for attending the gym. After enrolling in the applicable gym membership discount offer, you will earn 500 Live Better points when you attend any participating gym 8 times within a calendar month, up to a total of 6000 points in any calendar year. Live Better points will be displayed in your Live Better account within 30 days of the end of the calendar month. You must be enrolled in the discounted gym membership offer before you can earn Live Better points. By signing up to this offer you permit Fitness & Lifestyle Group to share your personal information (including name, date of birth, contact details, gym location and gym attendance records) with Medibank and Live Better. Medibank and Live Better will collect this information to assess your eligibility for Live Better points, award the Live Better points and to monitor uptake of the Live Better program. If you elect not to share this information you will not be eligible for the discounted gym membership or Live Better Points. Medibank's Privacy Policy (https://www.medibank.com.au/livebetter/rewards/terms/) contains information about how you can seek access to, and correction of, your personal information, or make a complaint about a breach of the Australian Privacy Principle. Full gym membership terms and conditions can be found at https://www.fitnessfirst.com.au/terms-and-conditions/. This offer may be withdrawn at any time.
Good Life Health Clubs 25% discount with Goodlife Health Clubs applies to new, full price 12 & 18 month Platinum memberships purchased by eligible Medibank members with hospital or extras cover. Not available in conjunction with any other offers or discounts. To obtain the discount, simply present your photo ID, Medibank Membership Card and the partner offer page within the My Medibank app when signing up at any participating gym. The name and email address used to sign up at the gym must exactly match the details attached to your Medibank account in order to earn Live Better points for attending the gym. After enrolling in the applicable gym membership discount offer, you will earn 500 Live Better points when you attend any participating gym 8 times within a calendar month, up to a total of 6000 points in any calendar year. Live Better points will be displayed in your Live Better account within 30 days of the end of the calendar month. You must be enrolled in the discounted gym membership offer before you can earn Live Better points. By signing up to this offer you permit Fitness & Lifestyle Group to share your personal information (including name, date of birth, contact details, gym location and gym attendance records) with Medibank and Live Better. Medibank and Live Better will collect this information to assess your eligibility for Live Better points, award the Live Better points and to monitor uptake of the Live Better program. If you elect not to share this information you will not be eligible for the discounted gym membership or Live Better Points. Medibank's Privacy Policy (https://www.medibank.com.au/livebetter/rewards/terms/) contains information about how you can seek access to, and correction of, your personal information, or make a complaint about a breach of the Australian Privacy Principle. Full gym membership terms and conditions can be found at https://www.goodlife.com.au/terms-and-conditions/. This offer may be withdrawn at any time.
* Winner of Mozo’s 2023 Expert Choice Award for: Exceptional Quality Travel Insurance; Exceptional Quality Travel Insurance Annual Multi-Trip; and Exceptional Value Annual Multi-Trip. Winner of Canstar’s 2023 Most Satisfied Customers – Travel Insurance Award. 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/
€ For new members on new memberships who join and start eligible combined Bronze hospital and extras cover or above from 1 July – 31 July 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/
Make the most out of your Extras cover
Put your health first with Medibank Extras cover
100% back on dental check-ups twice a year on eligible extras
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
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.2
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.^
30-day cooling off period
If you join and decide you'd like to cancel your membership or move to another cover, we have a ‘cooling-off' period. If you tell us within 30 days of joining or changing your cover and no claims have been made against your policy, we can transfer you to a more suitable cover from the original commencement date or refund your premium in full.
Extras only offer - Want a $50 gift card and 2&6 month waits waived on extras?
Join and maintain eligible Medibank extras cover and you could get 5,000 Live Better points to redeem for rewards like a $50 gift card. Plus, we’ll waive your 2&6 month waiting period on extras. Use promo code: EXTRAPOINTS. New members only.ᶲ
Get a quote Find out more
Explore our Extras covers that may be best suited to you
The amount you can claim back at Members’ Choice providers, up to annual limits. Fixed amounts apply at non-Members’ Choice providers, up to annual limits.
Waiting periods and annual limits may apply.
Medibank member perks
There's more to Medibank than just valuable health cover. As a member, you get access to discounts, programs, and services to help you reach your potential.
Access to discounts
As a Medibank member with Live Better rewards#, you can get 25% off 12- and 18-month Platinum gym memberships at Goodlife or Fitness First.!
Plus, if you're a Medibank health insurance member, you can enjoy a 15% discount on award winning travel insurance all year round.*
Live Better rewards
Live Better is a health and wellbeing program inspiring, supporting and rewarding you to eat, move, and feel better, all while enjoying the things you do every day.
Medibank members with eligible Hospital or Extras cover could earn up to $400 a year in rewards# by redeeming the points earned for taking healthy actions.##
Medibank App
Our app makes it easy to check your cover details and keep on top of your extras limits and waiting periods. Plus, you can find a Members’ Choice provider, make changes to your details and make a claim.
Things you should know:
% Members’ Choice providers are not available in all areas and may change without notice.
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 dentist (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.
² 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.
^ 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 those States.
= 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’ Choice and Members’ Choice Advantage providers are not available in all areas. Two month waiting period applies. Other extras products may include dental check ups or other dental benefits, check your cover summary for details.
@ Check your cover summary to see if Mental Health Support is included in your Extras cover. Medibank will recognise counsellors who are registered with Australian Counselling Association, Psychotherapy and Counselling Federation of Australia, or Australian Traditional Medicine Society.
^^ Two month waiting period and $40 annual limit apply. Benefits are payable towards the influenza vaccine only and not payable towards any other fees, including administrative fees or GP consultations. Some individuals may be eligible for free influenza vaccines under a Commonwealth or State scheme, such as the National Immunisation Program, or similar schemes. Benefits are not payable where influenza vaccines are administered under such a scheme.
# Live Better rewards members could earn up to 40,000 Live Better rewards points each calendar year for successfully completing select Live Better rewards points-earning activities. These activities include, but are not limited to, health and wellbeing challenges, the Weekly Goal, onboarding actions, partner activity earn and the daily auto-tracking bonus. This does not include points earned by shopping with Live Better rewards partners or visiting Members' Choice Advantage providers. 40,000 Live Better points could be redeemed for up to $400 worth of rewards from the Live Better rewards store.
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 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. To the extent of any inconsistency between this Policy and the Medibank Live Better rewards terms and conditions, the terms and conditions will take precedence.
## Must be 16 years or over to register for Medibank Live Better rewards. 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, be up-to-date with premium payments and have signed up to Medibank Live Better rewards with My Medibank to earn Live Better points for eligible purchases and redeem rewards. Rewards are subject to change without prior notice and are subject to availability. 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 rewards program partners and may receive commissions. Additional terms and conditions may apply to the redemption of a reward depending on the type of reward chosen. See full Medibank Live Better rewards terms
! 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. See full Medibank Live Better rewards terms.
Fitness First 25% discount with Fitness First applies to new, full price 12 & 18 month Platinum memberships purchased by eligible Medibank members with hospital or extras cover. Not available in conjunction with any other offers or discounts. To obtain the discount, simply present your photo ID, Medibank Membership Card and the partner offer page within My Medibank app when signing up at any participating gym. The name and email address used to sign up at the gym must exactly match the details attached to your Medibank account in order to earn Live Better points for attending the gym. After enrolling in the applicable gym membership discount offer, you will earn 500 Live Better points when you attend any participating gym 8 times within a calendar month, up to a total of 6000 points in any calendar year. Live Better points will be displayed in your Live Better account within 30 days of the end of the calendar month. You must be enrolled in the discounted gym membership offer before you can earn Live Better points. By signing up to this offer you permit Fitness & Lifestyle Group to share your personal information (including name, date of birth, contact details, gym location and gym attendance records) with Medibank and Live Better. Medibank and Live Better will collect this information to assess your eligibility for Live Better points, award the Live Better points and to monitor uptake of the Live Better program. If you elect not to share this information you will not be eligible for the discounted gym membership or Live Better Points. Medibank's Privacy Policy (https://www.medibank.com.au/livebetter/rewards/terms/) contains information about how you can seek access to, and correction of, your personal information, or make a complaint about a breach of the Australian Privacy Principle. Full gym membership terms and conditions can be found at https://www.fitnessfirst.com.au/terms-and-conditions/. This offer may be withdrawn at any time.
Good Life Health Clubs 25% discount with Goodlife Health Clubs applies to new, full price 12 & 18 month Platinum memberships purchased by eligible Medibank members with hospital or extras cover. Not available in conjunction with any other offers or discounts. To obtain the discount, simply present your photo ID, Medibank Membership Card and the partner offer page within the My Medibank app when signing up at any participating gym. The name and email address used to sign up at the gym must exactly match the details attached to your Medibank account in order to earn Live Better points for attending the gym. After enrolling in the applicable gym membership discount offer, you will earn 500 Live Better points when you attend any participating gym 8 times within a calendar month, up to a total of 6000 points in any calendar year. Live Better points will be displayed in your Live Better account within 30 days of the end of the calendar month. You must be enrolled in the discounted gym membership offer before you can earn Live Better points. By signing up to this offer you permit Fitness & Lifestyle Group to share your personal information (including name, date of birth, contact details, gym location and gym attendance records) with Medibank and Live Better. Medibank and Live Better will collect this information to assess your eligibility for Live Better points, award the Live Better points and to monitor uptake of the Live Better program. If you elect not to share this information you will not be eligible for the discounted gym membership or Live Better Points. Medibank's Privacy Policy (https://www.medibank.com.au/livebetter/rewards/terms/) contains information about how you can seek access to, and correction of, your personal information, or make a complaint about a breach of the Australian Privacy Principle. Full gym membership terms and conditions can be found at https://www.goodlife.com.au/terms-and-conditions/. This offer may be withdrawn at any time.
* Winner of Mozo’s 2023 Expert Choice Award for: Exceptional Quality Travel Insurance; Exceptional Quality Travel Insurance Annual Multi-Trip; and Exceptional Value Annual Multi-Trip. Winner of Canstar’s 2023 Most Satisfied Customers – Travel Insurance Award. 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/
ᶲ For new members on new memberships who join and start eligible extras cover and who have not held Medibank health cover in previous 60 days (unless they are a dependent coming off their parent’s cover). Must quote promo code EXTRAPOINTS when joining. Excludes Healthy Living Extras, combined Hospital & Extras covers, Corporate covers, Hospital Cover, Accident Cover, Ambulance Cover, Overseas Visitors Health Insurance, ahm covers and other selected covers. Not available to Medibank employees. Not available with any other offer. We reserve the right to amend these offer terms and conditions at any time without notice.
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.
Live Better points terms: Must maintain direct debit and hold eligible cover for 28 consecutive days from the policy start date. 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 any Live Better activity within 28 consecutive days from the policy start date. Must be 16 years or over to register for Medibank Live Better. Live Better points could take up to 8 weeks from the policy start date to be loaded to the policyholder’s Live Better account. Singles, single parents, families and couples will receive 5,000 Live Better 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 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/