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Medibank Basic Accident and Ambulance
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Accidents happen, even to the fittest and healthiest of us. This cover is designed to look after you in just those instances, with emergency ambulance services also included.
View detailsMedibank Basic Everyday Starter
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No frills, no fuss cover with limited Extras and Accident-only Hospital cover.
View detailsMedibank Basic Plus Healthy Start
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Hospital Cover designed to meet the needs of the young and healthy. Includes procedures for joint reconstructions (things like knees and shoulders), dental surgery and hernia and appendix.
View detailsMedibank Basic Plus Healthy Start and Healthy Start Extras
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Hospital cover designed to meet the needs of the young and healthy combined with Extras Cover with the added flexibility in how you use your Extras.
View detailsMedibank Basic Plus Healthy Start and Essential Extras
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Hospital cover designed to meet the needs of the young and healthy combined plus cover for some of the more-commonly used Extras.
View detailsMedibank Basic Plus Healthy Start and Top Extras
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Hospital cover designed to meet the needs of the young and healthy combined plus get more of a safety net with your Extras with services like Major dental.
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Cost-effective hospital cover for a wide range of procedures that includes endoscopies and chemotherapy.
View detailsMedibank Bronze Everyday and Healthy Start Extras
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Cover for some of life's more common hospital procedures, with flexible Extras to better suit a young and healthy lifestyle.
View detailsMedibank Bronze Everyday and Essential Extras
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Cost-effective hospital cover for a wide range of procedures that includes endoscopies and chemotherapy, plus cover for some of the more-commonly used Extras.
View detailsMedibank Bronze Everyday and Top Extras
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A combination of cost-effective Hospital cover with Extras that give more than just a safety net. Perhaps major dental work is on the cards? If this is you, this is your cover.
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Hospital cover that includes a wide range of common procedures, including back, neck & spine and chemotherapy.
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Our most comprehensive Bronze hospital cover.
View detailsMedibank Bronze Plus Progress and Healthy Start Extras
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Hospital cover that includes a wide range of common procedures, including back, neck & spine and Chemotherapy, with flexible Extras to better suit a young and healthy lifestyle.
View detailsMedibank Bronze Plus Progress and Essential Extras
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Hospital cover that includes a wide range of common procedures, including back, neck & spine and chemotherapy, plus cover for some of the more-commonly used Extras.
View detailsMedibank Bronze Plus Growing Family
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Family hospital cover for life's more common treatments, but you don't want pregnancy and birth or assisted reproductive services. You'll still enjoy some support during your pregnancy through your Extras cover.
View detailsMedibank Bronze Plus Progress and Top Extras
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Hospital cover that includes a wide range of common procedures, including back, neck & spine and chemotherapy with our highest level of Extras cover to help you stay at the top of your game.
View detailsMedibank Bronze Plus Assured and Healthy Start Extras
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Hospital cover to provide a little more than Bronze Plus Progress with plastic and reconstructive surgery included, with flexible Extras to better suit a young and healthy lifestyle.
View detailsMedibank Bronze Plus Assured and Essential Extras
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Hospital cover to provide a little more than Bronze Plus Progress with plastic and reconstructive surgery included, plus cover for some of the more-commonly used Extras.
View detailsMedibank Bronze Plus Assured Growing Family
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Hospital cover to provide a little more than Bronze Plus Progress with plastic and reconstructive surgery included. You'll still enjoy some support during your pregnancy through your Extras cover.
View detailsMedibank Bronze Plus Assured and Top Extras
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Hospital cover to provide a little more than Bronze Plus Progress with plastic and reconstructive surgery included, with our highest level of Extras cover to help you stay at the top of your game.
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Entry to Silver hospital includes additional hospital services such as heart & vascular, lung & chest and more.
View detailsMedibank Silver Plus Core and Healthy Start Extras
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Combine our entry level Extras with our entry to Silver Hospital which includes heart & vascular, lung & chest, and more. Plus – if you’re eligible, you’ll have access to tailored health programs to help you feel more in control of your health.
View detailsMedibank Silver Plus Core and Essential Extras
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Combine some of our more commonly used Extras with our entry to Silver Hospital which includes heart & vascular, lung & chest, and more. Plus – if you’re eligible, you’ll have access to tailored health programs to help you feel more in control of your health.
View detailsMedibank Silver Plus Core and Growing Family Extras
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Combine Extras cover that supports your growing family with our entry to Silver Hospital which includes heart & vascular, lung & chest, and more. Plus – if you’re eligible, you’ll have access to tailored health programs to help you feel more in control of your health.
View detailsMedibank Silver Plus Core and Top Extras
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Combine one of our most comprehensive Extras covers with our entry to Silver Hospital which includes heart & vascular, lung & chest, and more. Plus – if you’re eligible, you’ll have access to tailored health programs to help you feel more in control of your health.
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Providing cover towards a wide range of services including heart & vascular, rehabilitation and more.
View detailsMedibank Silver Plus Support and Healthy Start Extras
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Combine our entry level Extras with Hospital cover that pays benefits towards a wide range of services including heart & vascular, rehabilitation and more.
View detailsMedibank Silver Plus Support and Essential Extras
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Combine some of our more commonly used Extras with Hospital cover that pays a benefit toward a wide range of services such as heart & vascular, rehabilitation and more.
View detailsMedibank Silver Plus Support and Growing Family Extras
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Combine Extras cover that supports your growing family with Hospital cover that pays a benefit towards a wide range of services such as heart & vascular, rehabilitation and more.
View detailsMedibank Silver Plus Support and Top Extras
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Combine one of our most comprehensive Extras covers with Hospital cover that pays a benefit towards a wide range of services such as heart & vascular, rehabilitation and more.
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Comprehensive hospital cover to support your body as it gets older, including joint replacements, heart & vascular, and cataracts.
View detailsMedibank Silver Plus Secure and Healthy Start Extras
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Combine our entry level Extras with comprehensive Hospital cover to support your body as it gets older, including joint replacements, heart & vascular, and cataracts.
View detailsMedibank Silver Plus Secure and Essential Extras
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Combine some of our more commonly used Extras with a comprehensive Hospital cover to support your body as it gets older, including joint replacements, heart & vascular, and cataracts.
View detailsMedibank Silver Plus Secure and Growing Family Extras
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Combine Extras cover that supports your growing family with comprehensive Hospital cover that will support your body as it gets older, including joint replacements, heart & vascular, and cataracts.
View detailsMedibank Silver Plus Secure and Top Extras
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Combine one of our most comprehensive Extras covers with a comprehensive Hospital cover to support your body as it gets older, including joint replacements, heart & vascular, and cataracts.
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Our top-level Hospital cover that includes pregnancy and birth, assisted reproductive services, weight loss surgery and more.
View detailsMedibank Gold Protect and Healthy Start Extras
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Combine our entry level Extras with our top-level Hospital cover that includes pregnancy and birth, weight loss surgery and more.
View detailsMedibank Gold Protect and Essential Extras
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Combine some of our more commonly used Extras with our top-level Hospital cover that includes pregnancy and birth related services, weight loss surgery and more.
View detailsMedibank Gold Protect and Growing Family Extras
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Combine Extras cover that supports your growing family with our top-level Hospital cover that includes pregnancy and birth related services, weight loss surgery and more.
View detailsMedibank Gold Protect and Top Extras
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Combine one of our most comprehensive Extras covers with our top-level Hospital cover that includes pregnancy and birth related services, weight loss surgery and more.
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No compromise cover with both Hospital and Extras, created for those who don't want to leave anything to chance. It's our highest level of cover.
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A great starting point for anyone new to health cover, offering flexible Extras that's better suited for the young and healthy.
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Fuss-free, affordable cover that gives you access to some of the more common services to keep your general health in check.
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Extras-only cover for families, with some welcome support during the pregnancy journey.
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Our highest level of Extras cover to help you stay in tip-top shape from head to toe.
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periods and annual limits may apply.
‡ We pay limited benefits for restricted services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For restricted services in a Public hospital we will pay minimum shared room benefits.
^ For ambulance attendance or transportation where immediate professional attention is required and your medical condition is such that you couldn't be transported any other way. TAS and QLD have State schemes to cover ambulance services for residents of those States. Includes transport by air ambulance where pre-approval is obtained from Medibank by the air ambulance provider.
= 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.
# Medibank has Members' Choice providers for these services. Not available in all areas.
~ Some items and services may require a Referral Letter and may have a benefit replacement period. Please see the Cover Summary or Member Guide for more information.
+ Covers with Restricted or Excluded services will be treated as Included services where treatment is required for injuries sustained in an Accident that occurs after joining this cover. Treatment must be sought within 7 days of the Accident. Excludes claims covered by third parties such as Workcover and our Private Room Promise. Out of pockets may apply. Refer to your Cover Summary. For Gold hospital covers, Accidental Injury Benefit is not required because all clinical categories are Included, regardless of whether or not the treatment is required as a result of an Accident.
> Two month waiting period applies. We'll pay a benefit up to an annual limit per membership towards any admission fee ("facility fee") charged by the Private Hospital for patients attending a Private Accident and Emergency Department. The fee amount varies by Private Hospital and does not include medical and other charges (such as charges for diagnostic imaging or pathology), so out of pocket expenses may still apply. Only available at Private Hospitals with an Accident and Emergency Department. Members will need to submit a claim to receive the benefit and may have to pay upfront.
Benefits of Medibank couples cover
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
Accident cover boost
If you have an Accident, you'll be eligible for Gold level hospital benefits, regardless of your level of cover, thanks to our Accidental Injury Benefit.2
Unlimited Emergency Ambulance
No matter which hospital or extras policy you choose, you’ll have the peace of mind knowing that your cover includes Unlimited Emergency Ambulance.3
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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Want greater flexibility & choice with your cover?
Then how about building your own extras cover with Medibank's new My Choice Extras?
‡ 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.
1 Two month waiting period applies. 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.
2 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.
3 Waiting periods apply. 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.