Information for Medibank Members

Q: What is a waiting period?

All health funds have waiting periods. In short, a waiting period is a period of time you need to wait after taking out your cover before you can receive benefits for services or items covered. You’re not able to receive benefits for any items or services you might have obtained while you’re serving a waiting period or before you joined Medibank.

Q: What is the Australian Government Rebate?

The Australian government provides the Australian Government Rebate on private health insurance to encourage people to take out private health insurance. Find out more about the Australian Government Rebate .

Q: What is extras cover?

Extras cover gives you money back for non-hospital services such as dental, physio, optical and more. The amount of money you can claim back depends on the level of cover you have. Generally speaking, the higher the level of cover, the higher your annual limit and higher the percentage you can claim back. Read more: Is Extras cover worth it?

Q: What is hospital cover?

A cover that helps with the cost of a member's hospital stay as a private patient including: - hospital accommodation on the ward, - in-patient medical treatment; and - associated appliances provided during the admission e.g. approved internal prostheses Read more: What's the difference between Medicare and private health insurance?

Q: What if I'm switching from another fund?

We've reached out to your previous fund, and they have 14 days to send us your Transfer Clearance Certificate. This certificate helps us calculate your correct premium, check your remaining limits, and any waiting periods already served. If you haven’t shared your previous fund details, please call 132 331 so we can request your transfer certificate to help set up your cover.

Q: When can I start using my cover?

You can start making claims on your cover start date, subject to any waiting periods that may apply. If you’re switching from another health fund, you’ll need to wait until we have transferred your limits and waiting periods served, before you can claim.

Q: When can I register for the My Medibank app?

Within the next 3 days you should receive an email with your unique membership number. Use this number to register and access all the benefits and features of the My Medibank app.

Q: What is Lifetime Health Cover Loading?

This is a Federal Government initiative where a loading can be applied to your premium if you take out hospital cover later in life. It's aimed at encouraging people to take out hospital cover early in life and maintain it. Find out more at Lifetime Health Cover Loading .

Medibank has been helping members find better health for over 40 years

We want to help you look after yourself and the ones you love. Below are some useful links to help you manage, use and understand the health services available to our members.

^{Some services only available to members on eligible hospital covers.}

Live Better rewards

Experience all the fun ways to eat, move and feel better with Live Better rewards and you could earn up to $400 worth of value in rewards every year as an eligible Medibank member with hospital or extras cover.*^#

Find out more

Live large with member perks

Explore an abundance of rewards, offers, services, and health programs to help you realise your awesomeness to the fullest.

Find out more

Frequently asked questions

What is a waiting period?

What is the Australian Government Rebate?

What is extras cover?

What is hospital cover?

What if I'm switching from another fund?

When can I start using my cover?

When can I register for the My Medibank app?

What is Lifetime Health Cover Loading?

Still have questions?

Don't have time to call? Message our friendly staff online for advice and help with your cover, whether you're already a member, or looking to join.

Messaging available:
Monday to Friday 8am - 11pm (AEST)
Saturday to Sunday 9am - 9pm (AEST)

Canstar Outstanding Value Health Insurance 2008 - 2024

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.

Things you should know:

* 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.

~ Double Live Better rewards points - Offer available to eligible Live Better rewards users who use their linked payment card to shop with adidas, Apple, Brooks Running, Calm, CSIRO Total Wellbeing Diet, Elite Supplements, Everlast, Garmin, Good & Fugly, House, Lite n’ Easy, Oztrail, Peninsula Hot Springs, She Science, SUNNYLiFE, THE ICONIC and Youfoodz between 25 March – 15 April 2025, subject to the ‘Linked payment card’ terms and conditions below. This offer may be withdrawn or changed.

^ Linked payment card - 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.

± 1,000 extra points for linking payment card offer - Offer available to eligible Live Better rewards users who link a Mastercard, Visa or eftpos card with their Live Better rewards account between 25 March – 15 April 2025 (Offer Period), subject to these terms and conditions. One thousand (1,000) Live Better rewards points will be credited to the Live Better rewards user’s account within 60 days of linking a payment card with their Live Better rewards. This offer can only be claimed once per Live Better rewards user during the Offer Period. A Live Better rewards user is not eligible to claim this offer if, at any time since joining Live Better rewards, the user has previously received any Live Better rewards points for linking their payment card to their Live Better rewards account. This offer may be withdrawn or changed.

# HelloFresh double points offer: Offer available to Live Better rewards members who are new HelloFresh customers or who are past HelloFresh customers with a deactivated HelloFresh account that was cancelled at least 6 months ago. An extra 1,000 Live Better rewards points per box will be awarded after successfully linking your HelloFresh account with your Medibank Live Better rewards account, for up to 10 boxes purchased and delivered on or before 9 June 2025. First box must be delivered between the 18 February 2025 – 31 March 2025. Live Better rewards points will be displayed in your Medibank Live Better rewards account within 30 days of each HelloFresh box purchase. Live Better rewards points cannot be awarded retrospectively. This offer may be withdrawn or changed at any time in accordance with the Live Better rewards T&Cs.

+ Youfoodz double Live Better points: Offer available to eligible Live Better rewards users who use their linked payment card to shop with Youfoodz between 18 February – 31 March 2025, subject to the ‘Linked payment card’ terms and conditions below. This offer may be withdrawn or changed.

Apple, the Apple logo, and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries and regions. App Store is a service mark of Apple Inc. Google Pay, Google Play and the Google Play logo are trademarks of Google LLC.

^# 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.

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