Medibank is one of Australia’s largest private health insurers, offering a variety of health cover options designed to suit singles, couples, and families. When you choose Medibank, you gain access to a comprehensive range of benefits that help you manage healthcare costs and access quality medical services both in and out of hospital.
Hospital Cover
Medibank provides flexible hospital cover plans that allow you to receive treatment as a private patient in a public or private hospital. Depending on your chosen level of cover, you can benefit from:
- Choice of doctor and hospital
- Coverage for surgeries, hospital stays, and specialist consultations
- Access to maternity services, cancer treatments, psychiatric care, and rehabilitation
- Options to tailor your hospital cover to your needs and budget
Extras Cover
Extras cover helps with the costs of services outside hospital, including:
- Dental check-ups, cleaning, and major dental work
- Optical services such as glasses and contact lenses
- Physiotherapy, chiropractic, osteopathy, and remedial massage
- Hearing aids, psychology, and other allied health services
- Members’ Choice network benefits, including 100% back on annual dental check-ups at participating providers
Combined Packages
Medibank offers combined hospital and extras packages, giving you the convenience of managing both covers in one policy. These packages are available at different levels (Basic, Bronze, Silver, Gold), each with varying benefits and premiums to suit your healthcare needs.
Additional Benefits
- Live Better Rewards: Earn points for healthy activities like walking, running, or meditating, which can be redeemed for rewards such as fitness gear and gift cards.
- 24/7 Nurse and Mental Health Support: Access professional health advice anytime via phone.
- Members’ Choice Network: Access to a large network of providers offering reduced or no out-of-pocket costs.
- Travel Insurance: Optional travel cover for domestic and international trips.
- Overseas Student Health Cover (OSHC): Health insurance tailored for international students studying in Australia.
Customer Support and Digital Convenience
Medibank members can manage their cover, submit claims, and find providers easily through the My Medibank app and online portal. The app also offers features like digital membership cards, claim tracking, and out-of-pocket cost estimators.
Premiums and Pricing
Medibank’s premiums vary depending on your chosen cover level, age, and location. As of April 2025, average premium increases of around 3.99% were approved, reflecting rising healthcare costs. However, Medibank aims to balance affordability with comprehensive coverage.
Summary
With Medibank, you get access to a wide range of hospital and extras cover options, backed by a large provider network and helpful member benefits. Whether you need basic accident cover or comprehensive hospital and extras packages, Medibank provides flexible solutions designed to protect your health and wellbeing.