Medibank Private Health Insurance

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Find out how we’re supporting our members at this time on our COVID-19 updates page.

Join eligible combined hospital & extras cover by 31 October and you could enjoy six weeks free plus 2&6 month waiting periods waived on extras. New members only. ‡ Must use promo code: 6FREE

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Better health support

We want to help you look after yourself and the ones you love. In fact, we’ve been helping Australians find better health for over 40 years.

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Find health insurance that’s right for you


We’re still open for business

Looking after your health and wellbeing is essential. That’s why we’re still available over-the-phone and online.

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Get discount cover if you work with one of our partner companies.

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Health cover premiums changed on 1 October

After a six-month postponement, this year’s premium increase took place on 1 October.

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Why choose Medibank private health insurance?

With over 40 years of experience, we understand what better health means for our 3.7 million members.


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Accident cover boost

Medibank members with hospital cover get the benefits of Gold level cover no matter what level of hospital cover you have, thanks to our Accident Injury Benefit.¹

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24/7 Medibank Nurse phone service

Members with hospital cover can call our phone service to speak to a Medibank nurse about their health concerns at any time of the day or night.²

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100% back on dental check-ups twice a year

Here’s something to smile about – all Medibank members with 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.³

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New telehealth services

Medibank members with eligible extras can now access telehealth services—including psychology, physiotherapy, dietetics, occupational therapy, podiatry, exercise physiology, and speech therapy—and claim for services undertaken from 14 April until further notice.⁴

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Thinking about switching health funds?

Join the 3.7 million other members who have chosen Medibank to support their health and wellbeing. It’s simple and easy to switch and you generally won’t need to re-serve any waiting periods you have already served with another insurer. Learn more

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Canstar awarded ‘Outstanding Value Insurance’ 12 years in a row

We’re proud to deliver outstanding value health insurance products designed to suit your needs. But don’t just take our word for it.

Things you should know

¹ 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.  

² OSHC members should call the Student Health & Support Line on 1800 887 283.

³ Limited to two dental check-ups on all extras annually. Maximum two bitewing x-rays per check-up, where clinically needed. Not available in all areas.

⁴ Check your cover summary to see if these services are included on your extras cover and if any waiting periods or annual limits apply. 


‡ For new members on new memberships who join and start eligible combined hospital and extras from 1 September – 31 October 2020 and who have not held Medibank health cover in previous 60 days unless dependents coming off their parents. Must quote promo code 6Free and set up direct debit when joining. Must maintain direct debit and hold eligible product for 42 continuous days from the policy start date to get next 6 weeks free. 2&6 month waits waived on extras: 2&6 month waiting periods on extras waived. Other waiting periods apply (including 12 months on some dental services). If you’ve reached your limits from a previous fund you may not be able to claim straight away. Excludes some 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.

COVID-19 has been declared a ‘known event’ since 23 January 2020. Find out more about how this impacts your policy.

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Where are you headed?


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Get travel insurance for your overseas holiday. Choose between our Medical only or Comprehensive plans for peace of mind.

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Cover for unforeseen cancellations, amendments and delays, plus up to $3,000 towards any excess for rental car damage.

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Compare Travel Insurance

Decide what you want to have cover for, select your inclusions, and enjoy a relaxing trip.

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More than one trip a year?

Annual Multi-Trip cover is the ideal option if you’re a frequent flyer, both domestically and overseas. It offers you comprehensive cover for every trip you take within your chosen region for the next 12 months.

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Things you should know

Travel Insurance: 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 issuer is Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507. Please review your own needs and consider the Combined FSG/PDS. Ask us for a copy.

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Want a share of $10,000 worth of pet food?

Get a pet insurance quote for your chance to win 1 of 10x $1,000 pet food vouchers. T&Cs apply.*
Plus sign up and save 10%. Use promo code SAVE10.^ Ends Nov 1.

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Select a cover that suits you


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Essential Pet Care

Great value cover for accidents and illness.

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Ultimate Pet Care

Top comprehensive cover with the highest annual limit and optional routine & preventative care.

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Emergency Pet Care

Cover for high value vet bills on accidental injury and specified illnesses.

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Things you should know

Terms, conditions, exclusions and waiting periods apply. Medibank Pet Insurance is general insurance issued by the insurer The Hollard Insurance Company Pty Ltd (ACN 090 584 473; AFSL 241436), administered by PetSure (Australia) Pty Ltd (ACN 075 949 923 AFSL 420183) and distributed by Medibank Private Limited (ACN 080 890 259 AR 286089). Any advice provided is general only. Please consider your own objectives, financial situation and needs and the product disclosure statement, to decide if this product is right for you.

*   Aus. res. 18+ only. Starts 1/9/20 12:01am AEST. Ends 1/11/20 11:59pm AEDT. Must get a quote for Medibank pet insurance and supply a valid email address during promotional period. Max 1 entry/person. Draw: 2:30pm AEDT, 23/11/20, L4/411 Collins St, Melb. VIC 3000. 10 prizes to be won. Each winner will receive $1000 in Brand Cash from PETstock made up of 4 x $250 Brand Cash loaded to their PETstock Rewards Account to spend on selected pet food. Winners must be a PETstock Rewards Member (or sign up to a PETstock Rewards Account within 3 months’ of winner’s notification) to qualify for Brand Cash. Each $250 Brand Cash is redeemable on the same premium food brand or KONG and is not restricted by size or type of food i.e. dry and wet. Excludes Veterinary Diets, Vets All Natural raw food and selected Prime 100 food products. Brand Cash will have an expiry date of one year from the date of issue. Any unused amounts on a selected brand will be forfeited. Winners published here by 30/11/20. Promoter: Medibank Private Limited ABN 47 080 890 259, 720 Bourke St, Docklands VIC 3008. Click here for Terms and Conditions. Permit No’s: ACT Permit No. TP20/00984 and SA Permit No. T20/867.

^ Offer ends 11.59pm AEDT on 1 November 2020. Offer provides a 10% discount on the first year’s pet insurance premiums for non-members and current Medibank members who take out a new Medibank Pet Insurance policy. Medibank health members save 10% off every subsequent year. Offer only applies to new policies purchased using the promo code SAVE10. Premium quoted will include this discount. This offer cannot be used in conjunction with any other offer other than the $10,000 worth of pet food promotion. Eligibility criteria applies for Medibank Pet Insurance.

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Medibank Life Insurance

We can help your family’s life go on, even after yours. Apply for cover up to $2.5m depending on age and income.§ Plus health members save 10%.

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Insurance that supports your future and the people that matter

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Life cover

Take care of the people who mean the most to you.

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Funeral cover

Help with funeral expenses and tying up loose ends.

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Income protection

Maintain your lifestyle when the unexpected happens.

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It might seem like lot to think about, but worrying about the people you love is worse. Remember, our team is on hand to answer any questions you might have.

Contact us

Need more help?

How to make a claim Frequently asked questions

Things you should know

^ 24/7 Medibank Nurse Phone Service is offered by Medibank Health Solutions Pty Ltd who reserve the right to withdraw or change the service at its sole discretion.

Any advice provided is general only and doesn’t consider your objectives, financial situation or needs. You should carefully read the relevant Product Disclosure Statement (which sets out the product terms, conditions and exclusions) and Financial Services Guide available here to ensure the product is right for you.

Please note, effective 21 March 2016, the address of Swiss Re Life & Health Australia Limited has changed to Swiss Re Life & Health Australia Limited, Level 36, Tower Two, International Towers Sydney, 200 Barangaroo Avenue, Sydney, NSW 2000

You should read the Medibank Life Insurance combined Product Disclosure Statement and Financial Services Guide, Medibank Funeral Insurance combined Product Disclosure Statement and Financial Services Guide, the Medibank Income Protection combined Product Disclosure Statement and Financial Services Guide, the Medibank Accidental Death Insurance combined Product Disclosure Statement and Financial Services Guide or the Medibank Income Protection (Accident Cover) combined Product Disclosure Statement and Financial Services Guide carefully before deciding whether or not to buy that product and base your decision on that document.

Medibank Life Insurance, Medibank Funeral Insurance, Medibank Income Protection, Medibank Accidental Death Insurance and Medibank Income Protection (Accident Cover) are issued by Swiss Re Life & Health Australia Ltd ABN 74 000 218 306 AFSL 324908. These products are promoted by Medibank Private Ltd, ABN 47 080 890 259 AR 286089. Medibank Private is acting as the authorised representative of Greenstone Financial Services Pty Ltd, ABN 53 128 692 884, AFSL 343079 of 58 Norwest Blvd, Bella Vista NSW 2153. Advice on this website is general only and does not consider your individual objectives or financial situation. Your personal information will be handled as outlined in the relevant combined Product Disclosure Statement and Financial Services Guide.

§     You should read the Medibank Life Insurance combined Product Disclosure Statement and Financial Services Guide carefully before deciding whether or not to buy this product. Medibank Life Insurance is issued by Swiss Re Life & Health Australia Ltd, ABN 74 000 218 306, AFSL 324908 and promoted by Medibank Private Ltd, ABN 47 080 890 259, AR 286089. Medibank Private is acting as the authorised representative of Greenstone Financial Services Pty Ltd, ABN 53 128 692 884, AFSL 343079 of 58 Norwest Blvd, Bella Vista NSW 2153. Advice on this website is general only and does not consider your individual objectives or financial situation. Your personal information will be handled in accordance with our Privacy Collection Notice.

Request a call back

Leave your details and a Medibank expert will be in touch to take you through your options. In providing your telephone number, you consent to Medibank contacting you about health insurance.

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Your government rebate

If you’re eligible for Medicare, the government may pay a percentage of your premium as the Australian Government Rebate (AGR) depending on your age and income.

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Single income Family income

Family income incl de facto & single parents

Annual income


Annual income


We care about your privacy – To find out more about how your information is managed at Medibank please read our Privacy policy

Have questions?

Our team of experts are ready to help!

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What program are you interested in?

Special Pandemic Support COVID-19 Monitoring at Home COVID-19 Recovery at Home

Do you have current Hospital cover with Medibank?

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Your membership details

Please provide your details so we can know how to contact you.

Medibank policy number

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By clicking Submit, I understand that Medibank or its subsidiaries may contact me to discuss my eligibility for the Covid-19 Heath Assist program(s), and will disclose my personal information within the Medibank Group of companies and to third party service providers. Please see Medibank’s privacy policy for further information about how Medibank will handle my personal information, and how to contact Medibank: https://www.medibank.com.au/privacy/

Thank you for expressing your interest in one of our COVID-19 Health Assist programs.

If you are eligible, one of our health professionals will call you in 2-3 business days to discuss your situation and help to enrol you in the relevant program.

There is no cost to participate, however some referred services may incur an out of pocket cost.


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