Want one month free? Use promo code 'MONTHFREE' when you join Medibank combined Hospital and Extras cover* *Conditions apply

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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 want choice over when and where you’re treated. Then there are the lifestyle benefits that come with having cover for extras like dental, optical and physio.

Because even if you’re healthy, we’ll give you the support you need to stay at the top of your game, including discounted gym passes.

Cover for Accidents

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 get all of the coverage of our Top 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.^

Better health for your hip pocket

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

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


#Out of pockets may apply. Excludes claims covered by third parties such as WorkCover.
^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 at least one dental check-up at any Members’ Choice dentist in Australia if you’ve held extras cover for two months or more. Excludes x-rays.
View dental covers


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. You can also choose your own obstetrician.
Our ante and postnatal services also ensure you’re in great hands all throughout your pregnancy.
View growing family covers


Our extras cover gives you 100% back on prescription glasses and contacts (up to your annual limit) at almost any provider Australia wide. Not to mention, our optical network is one of the largest in the country. Waiting periods apply.
View optical covers

Ambulance cover

If you’re being rushed to hospital for an emergency, the last thing on your mind should be how much the trip is costing you. So with Medibank, you’ll be glad to know that you’re covered for 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.

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. Must hold eligible product for 30 continuous days and pay by direct debit to get second month free. Must quote promo code MONTHFREE at the time of joining. Excludes Corporate Covers, Accident Cover, Ambulance Cover, Visitors Health Insurance, Overseas Students Health Cover (OSHC), Working Visa Health Insurance, ahm covers and other selected covers. Not available with any other offer.