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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.
How much could you save on hospital cover with the new young adult discount?
Select your age below to see the young adult discount that could be applied to one of our eligible hospital products if you’re aged 18-29 and a policy holder or partner.
The discount you receive depends on your age when you first take out an eligible hospital cover and ranges from 10% (if you take out cover between the age of 18 and 26) to 2% (if you take out cover at the age of 29)¹. The discount is ongoing, which means if you keep your eligible hospital cover, your discount remains until you turn 41. From then, the discount will reduce by 2% per year until it reaches zero.
Use our tool below to see how much you could save.
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.
Why Medibank?
24/7 Medibank Mental Health Support
Medibank health insurance members can chat with a mental health professional over the phone or online in relation to any mental health or emotional concern at no extra cost².
Accident Cover Boost
Medibank members with hospital cover get the benefits of gold level cover if they have an Accident in Australia after joining, thanks to our Accidental Injury Benefit. Excludes claims covered by third parties and our Private Room Promise.³
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.⁴
Live Better with Medibank
With Live Better Rewards you can earn points by tracking healthy actions. And if you're an eligible Medibank member with hospital or extras, these points can go towards rewards from select partners such as adidas and Fitbit, as well as select Apple products, extras limit increases or a $200 premium payment.*
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.‡
Get a quote Find out more
Get the most out of your extras
100% back on dental check-ups twice a year on eligible extras⁶
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.⁶
100% back on optical on eligible extras⁷
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.⁷
Why should I consider hospital cover?
If your annual income^ is over $97,000 as a single (or $194,000 as a couple/family) and don’t have an appropriate level of hospital cover for the full tax year, you may need to pay the Medicare Levy Surcharge.
You can avoid paying this surcharge by taking out hospital cover for the full tax year.
Use our Medicare Levy Surcharge Calculator to do the maths.
^'income' for Medicare Levy Surcharge purposes.
24/7 Mental Health Phone Support
At Medibank, we’re always looking for ways to help our members access the care that they need, when they need it.
That’s why you have access to Medibank Mental Health Phone Support 24 hours a day, 7 days a week.2
Members with hospital cover can chat to experienced and qualified mental health professionals over the phone to discuss any mental health questions or concerns and get advice on what to do next.
Using your cover is easy with the Medibank App
We've made staying on top of your extras cover easy with the My Medibank App.9 Easily check your extras limits, make a claim and find a Members' Choice provider anywhere, anytime. You can even estimate your potential benefits for most extras claims, so you'll know how much you could get back before leaving the house.
Things you should know
1 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.
2 Some referred services may involve out of pocket costs and waiting periods may apply.
3 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.
4 Waiting periods apply. 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.
6 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.
7 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.
‡ 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.