# Member must be 18 + and hold a Medibank health insurance policy.
For 24/7 Mental Health Support, Medibank health insurance members can chat online or call 1800 644 325 to discuss mental health questions and get guidance at no extra cost.~
Jump to section: Extras cover | Hospital cover
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24/7 Mental Health Support
Our mental health professionals are on call to be your guide. Medibank health insurance members can call 1800 644 325, or log in to chat, 24 hours a day 7 days a week at no extra cost.~
Better Minds App
Interactive wellness checks, evidence-based skills training and confidential one-on-one coaching with health professionals, for those who may need extra support.€
Virtual Psychology Clinic
Book an online tele/video consultation with an accredited psychologist or a mental health social worker. Eligible members# with a GP Mental Health Care Plan, could pay no-gap on their first session.@ Read the offer terms and conditions here.
Mental Health Hub
Resources to help you understand your mental health, explore care options, and find the right support for you.
Psychology and counselling claims
Medibank Extras cover, with mental health support included, pays benefits towards consultations with a psychologist or Medibank-recognised counsellor.§ How much you get back will depend on your level of Extras cover and remaining annual limit.
No waiting periods on psychology and counselling consultations
If you’re a new member or have upgraded your cover recently to include mental health support, we’ll pay benefits towards psychology and counselling consultations without the need to serve waiting periods.§
Want to know more about finding the right mental health professional for you? This guide could help you find the right fit.
Hospital psychiatric services
For members on Silver or Gold Hospital cover, that includes hospital psychiatric services, who have served their 2 month waiting periods, Medibank can help pay towards hospital psychiatric services in a private hospital. Your cover can pay towards hospital accommodation and any medical costs raised by doctors where a Medicare benefit is payable.
There may be out of pocket costs, which depends on the hospital you’re admitted to and what your treating specialists charge. Speak to your treating specialist about what your out-of-pocket costs may be.
For members on Basic, Bronze or Silver Hospital cover with restricted hospital psychiatric services who have served their 2 month waiting periods, we pay limited benefits. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and you could incur significant out-of-pocket expenses.
Mental Health Waiver
Eligible members^ with hospital cover who have served a waiting period for restricted hospital psychiatric services on Basic, Bronze or Silver Hospital cover, can choose to upgrade their cover to one with included hospital psychiatric services, and have the 2-month waiting period for those higher benefits on psychiatric services waived. This waiver applies only once per lifetime.
To use the Mental Health Waiver contact us on 132 331 or via 24/7 live chat. You can also grant authority to another person to make changes to your policy on your behalf.
Not a Medibank health insurance member?
Find out more about how our products can help you support your mental health here.
Download the Medibank Better Minds App
Want to better manage your mental health on your own terms, in your own time? Medibank’s Better Minds app provides members with hospital cover€ access to interactive wellness checks, evidence based skills training and confidential one-on-one coaching. Find out more.
More information you may find useful
Knowing when to seek support
Knowing when a problem turns into something more serious is key to getting the right support at the right time.
Where to go for support
Here is some helpful guidance to better understand the mental health support options available, as an Australian resident and as a Medibank member.
Supporting someone you care about
Find out what you can do to help a family member, friend or loved one with a mental health issue.
Things you need to know
~ Some referred services may involve out of pocket costs and waiting periods may apply.
€ Not available for members with extras only cover, ambulance only cover, Overseas Student Health Cover or Overseas Workers or Visitors Health Cover.
@ 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.
§ Annual limits apply. Counsellors must be registered with Australian Counselling Association, Psychotherapy and Counselling Federation of Australia, Australian Traditional Medicine Society.
^ 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.
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).