At Medibank, we’re all about supporting better health. Better health for individuals, couples and families that’s easy to understand.

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Find health insurance that’s right for you

Why private health insurance?

Good health tops everything. So when it comes to looking after your (or your family’s) health, you may want choice over when and where you’re treated. Plus there are the lifestyle benefits that come with having private health insurance for extras like dental, optical and physio.

Even if you’re healthy, we’ll give you the support you need to stay at the top of your game, including health and fitness offers and free programs like free + active.

Accident Injury Benefit

Life happens. And though you probably haven’t thought much about what to do in the event of an accident, you’ll be glad to know we have. So if you have an Accident you’ll receive all of the coverage of our top level hospital cover – no matter what level of Cover you have.#

Get more back for kids

It can be expensive bringing up a family. That’s why for kids, we provide no hospital excess on every one of our family hospital covers. We also offer 100% back on included extras at Members' Choice providers, as part of our Growing Family and Settled Families covers.^

Government Incentives

To encourage more Australians to take up health cover, the government offers incentives like the Australian Government Rebate (AGR) to make private health insurance more affordable.

Having private hospital cover also means you may be able to avoid the Lifetime Health Cover loading and the Medicare Levy Surcharge.


#Excludes claims covered by third parties such as Workcover. For accidents that occur after join date. Treatment must be sought within 7 days of accident on some covers.
^This only applies to child and student dependants. Only up to annual limits and waiting periods apply, including 12 months for some dental services.


Canstar awarded ‘Outstanding Value Insurance’ 10 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.

Health cover for life’s little things
right through to the life-changing


Better health can be as simple as sporting a better smile. And because teeth are important to our overall health, we give you 100% back on an annual dental check-up at any Members’ Choice dentist in Australia if you’ve held extras cover for two months or more. Excludes x-rays.
More about 100% back

Pregnancy Support

Mums-to-be deserve to be spoilt for choice. So our Growing Family packages provide the flexibility to choose private or public hospital for that all-important moment. Also receive support during pregnancy and beyond with Extras cover for lactation consultations, remedial massage and more.
View Growing Family covers


Join Extras Cover today and you’ll get 100% back on prescription glasses and contacts (up to your annual limit) at almost any provider Australia wide. Waiting periods apply and some services like lens coating aren’t included.
View Extras Covers

Unlimited Emergency Ambulance*

Have peace in mind in knowing that all of our hospital and extras policies include Unlimited Emergency Ambulance*.
View ambulance only cover

*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.

it pays to look after your health

Join combined hospital and extras cover by June 30 and you could get an eftpos gift card worth up to $600. Promo code EFTPOS18.

Online member services

Manage your health cover from anywhere, at any time. Our Online Member Services provides a convenient and secure way to update your details, organise your payments and make some claims. You can also claim for a whole range of services with your smartphone.

* For new members on new memberships who join eligible combined hospital and extras. Must quote promo code 6FREE and set up direct debit when joining. Excludes Accident Cover, Ambulance Cover, Visitors Health Insurance, Overseas Students Health Cover (OSHC), Working Visa Health Insurance, ahm covers, Corporate covers and other selected covers. Not available with any other offer. Six week free terms: Must hold eligible cover and maintain direct debit for 30 consecutive days to get the next six weeks free. 2 and 6 month waiver terms: Other waiting periods still apply. If you’ve reached your limits from a previous fund you may not be able to claim straight away.