Medibank is one of Australia’s largest and most trusted private health insurers, serving over 4 million members nationwide. Known for its flexible health cover options and award-winning value, Medibank offers a broad range of insurance plans tailored to singles, couples, and families, helping Australians access quality healthcare with peace of mind.
What Does Medibank Health Insurance Offer?
Medibank provides a variety of hospital and extras cover plans designed to suit different needs and budgets. Their plans range from basic accident-only policies to comprehensive Gold-level coverage, including:
- Hospital Cover: Access to private hospital care, choice of doctor, and reduced waiting times for elective surgeries.
- Extras Cover: Benefits for services outside hospital such as dental, physiotherapy, optical, chiropractic, and more.
- Combined Packages: Flexible options that bundle hospital and extras cover for convenience and savings.
- Specialized Plans: Including Overseas Student Health Cover (OSHC) and tailored family extras cover.
Key Features and Benefits
- Award-Winning Value: Medibank has been voted Outstanding Value Health Insurance for 16 consecutive years.
- Live Better Rewards Program: Members earn points for healthy activities, redeemable at popular retailers.
- No Gap Programs: Eligible members can avoid out-of-pocket expenses for certain treatments.
- 24/7 Nurse and Mental Health Support: Access professional health advice anytime via phone.
- Wide Provider Network: Access to Members’ Choice providers offering reduced or no out-of-pocket costs.
- Digital Convenience: Manage your cover, claims, and find providers easily through the My Medibank app and online portal.
Popular Medibank Health Insurance Plans
Medibank offers nine main hospital plans, each with varying coverage and premium levels. Examples include:
- Basic Accident and Ambulance: Affordable cover for emergency ambulance and accident-related hospital admissions.
- Bronze, Silver, and Gold Plans: Increasing levels of hospital coverage with additional benefits such as joint reconstructions, maternity services, and cancer treatments.
- Extras Only Plans: Cover for dental, optical, physiotherapy, and other allied health services.
Premiums and Recent Changes
As of April 2025, Medibank announced an average premium increase of 3.99%, reflecting rising healthcare costs. For example, a single on a Bronze hospital and extras policy may see around a $1.42 weekly increase, while a family on a Silver package might experience a $6.38 weekly rise. Customers in New South Wales face a slightly higher increase due to state-specific cost pressures.
Who Should Consider Medibank?
Medibank health insurance suits a wide range of Australians:
- Individuals and families seeking flexible and comprehensive health cover.
- Overseas students needing OSHC to meet visa requirements.
- People wanting access to private hospitals and choice of doctors.
- Those looking for extras cover to help with everyday health expenses.
How to Get a Quote and Join
Getting started with Medibank is simple:
- Visit the Medibank website to compare plans and get a quick online quote.
- Choose the cover that fits your needs and budget.
- Join online with easy digital sign-up and start enjoying your coverage promptly.
Medibank remains a leading choice for private health insurance in Australia, combining extensive coverage options, award-winning value, and innovative member benefits. Whether you want basic accident cover or comprehensive hospital and extras plans, Medibank offers solutions designed to support your health and wellbeing.