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Medibank Health Insurance Review

Medibank is one of the cheapest hospital providers across all tiers and has comparatively strong extras.

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By

Gary Ross Hunter

Updated

Fact checked
3.9 ★★★★★ (196 reviews) Write a review

Pros

  • Medibank has one of the cheapest bronze hospital policies available on Finder.
  • It was highly commended in 3 categories at Finder's Health Insurance Awards in 2024. The Medibank products more comprehensive than most rivals were: Bronze Hospital, Medium Extras and Comprehensive Extras.

Cons

  • Medibank's cheapest extras option is around $7 per week. The cost of the cheapest extras policy is $4 per week*.
  • In 2022, Medibank's database was hacked which has impacted public trust and led to more negative customer reviews recently.

*Prices are based on a single person living in Sydney, for extras policies that cover at least ambulance and general dental.

Congratulations, Medibank!

A great effort from Medibank! This health insurer has been highly commended across several categories at the 2024 Finder Awards. These categories include; Bronze Hospital, Medium Extras and Comprehensive Extras.

Full list of 2024 winners

Sign-up deals with Medibank Health Insurance for April 2024

1 - 2 of 2
Updated regularly
Name Product

Want 6 weeks free and $500 in gift cards (couples/families) or $250 in gift cards (singles/single parents)?

When you join & maintain eligible Bronze Hospital+Extras or above. New members only. T&Cs apply.

Get deal
Go to site

Want a $50 gift card when you join & maintain eligible Extras?

Plus, get 2&6 month waits waived on extras. New members only. T&Cs apply.

Get deal
Go to site
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What types of health insurance does Medibank offer?

1 - 10 of 48
Updated regularly
Name Product Treatments Price Apply Hide Compare
Medibank Basic Everyday Starter
Basic$750 excess
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
    • +4 other treatments covered
$104.00
per month
Go to Site
All treatments
Medibank Bronze Everyday + Essential Extras 60
Bronze$750 excess
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
    • +16 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
    • +4 other treatments covered
$116.22
per month
Go to Site
All treatments
Medibank Bronze Plus Progress + Essential Extras 60
Bronze Plus$750 excess
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
    • +22 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
    • +4 other treatments covered
$117.20
per month
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All treatments
Medibank Basic Plus Healthy Start + Healthy Start Extras
Basic Plus$750 excess
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
    • +7 other treatments covered
$119.27
per month
Go to Site
All treatments
Medibank Bronze Everyday + Healthy Start Extras
Bronze$750 excess
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
    • +16 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
    • +7 other treatments covered
$119.76
per month
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All treatments
Medibank Bronze Plus Progress + Healthy Start Extras
Bronze Plus$750 excess
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
    • +22 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
    • +7 other treatments covered
$120.74
per month
Go to Site
All treatments
Medibank Bronze Everyday + Essential Extras 75
Bronze$750 excess
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
    • +16 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
    • +4 other treatments covered
$134.01
per month
Go to Site
All treatments
Medibank Bronze Plus Progress + Essential Extras 75
Bronze Plus$750 excess
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
    • +22 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
    • +4 other treatments covered
$134.99
per month
Go to Site
All treatments
Medibank Silver Plus Core + Essential Extras 60
Silver Plus$750 excess
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
    • +26 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
    • +4 other treatments covered
$138.08
per month
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All treatments
Medibank Bronze Plus Progress + Growing Family 60
Bronze Plus$750 excess
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
    • +22 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
    • +10 other treatments covered
$140.72
per month
Go to Site
All treatments
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1 - 4 of 4
Updated regularly
Name Product Treatments Price Apply Hide Compare
Medibank Silver Plus Core
Silver Plus$750 excess
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
    • +23 other treatments covered
$113.80
per month
Go to Site
All treatments
Medibank Silver Plus Support
Silver Plus$750 excess
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
    • +26 other treatments covered
$126.06
per month
Go to Site
All treatments
Medibank Silver Plus Secure
Silver Plus$750 excess
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
    • +27 other treatments covered
$175.81
per month
Go to Site
All treatments
Medibank Gold Protect
Gold$750 excess
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
    • +30 other treatments covered
$242.50
per month
Go to Site
All treatments
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1 - 10 of 13
Updated regularly
Name Product Treatments Price Apply Hide Compare
Healthy Start Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
    • +3 other treatments covered
$27.82
per month
Go to Site
All treatments
My Choice Extras Core 60
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
    • +2 other treatments covered
$27.86
per month
Go to Site
All treatments
My Choice Extras Move 60
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
    • +3 other treatments covered
$37.51
per month
Go to Site
All treatments
Essential Extras 75
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
    • +1 other treatments covered
$42.07
per month
Go to Site
All treatments
My Choice Extras Core 75
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
    • +2 other treatments covered
$43.77
per month
Go to Site
All treatments
My Choice Extras Support 60
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
    • +5 other treatments covered
$50.36
per month
Go to Site
All treatments
My Choice Extras Family 60
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
    • +4 other treatments covered
$50.36
per month
Go to Site
All treatments
My Choice Extras Complete 60
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
    • +6 other treatments covered
$58.39
per month
Go to Site
All treatments
My Choice Extras Move 75
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
    • +3 other treatments covered
$59.82
per month
Go to Site
All treatments
My Choice Extras Family 75
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
    • +4 other treatments covered
$81.69
per month
Go to Site
All treatments
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Medibank health insurance: Our expert's verdict

Medibank is Australia's largest health fund by market share, but remains competitive on price.

Medibank is good if:

  • You want one of the cheapest bronze hospital policies available on Finder.
  • You want a competitively priced basic, silver or gold hospital policy.
  • You're looking for a sign-up bonus or discount, as Medibank regularly offers these.

Medibank is not great if:

  • You're looking for a very cheap extras policy. Medibank's lowest-priced option, Healthy Start Extras, is actually quite comprehensive and priced accordingly.

Medibank was recognised 4 times at the latest Finder Awards. If you're after a reliable brand, it's hard to look past. But if you're keen to go with a not-for-profit, or you just want a very cheap extras policy, you should probably look elsewhere.

Gary Ross Hunter

Gary Ross Hunter
Insurance and innovations editor

Top health insurance picks for Medibank

Our health insurance experts have selected 3 Medibank health insurance policies they feel represent good value. You can find them at the top of this page. We selected these policies for the following reasons:

  • Medibank Healthy Start Extras: Medibank Healthy Start Extras received an overall score of 6.80. This was the highest out of the 20 eligible medium extras insurance policies we analysed.
  • Medibank My Choice Extras Support 60: Medibank My Choice Extras Support 60 received an overall score of 8.84. This was the highest out of the 20 eligible comprehensive extras insurance policies we analysed.
  • Medibank Gold Complete Hospital: Medibank Gold Complete received an overall score of 4.24. This was the highest out of the 27 eligible gold hospital insurance policies we analysed.

Finder's health insurance methodology

Medibank health insurance complaints

We looked at the 2022 Ombudsman health insurance complaints. Because Medibank owns ahm, they're grouped together. Here's how they stacked up:

  • Medibank/ahm had fewer complaints than its market share. It counts 27.5% of the market, but has a comparatively low 19.30% of complaints.
  • Medibank/ahm had a better complaints score than other big health funds like Bupa and HCF.
  • Some smaller funds, including CUA Health and Peoplecare, had a better complaints score.
This chart shows the weighted volume of complaints received by each health fund, according to the Commonwealth Ombudsman. The lower the number, the better. Only non-restricted funds with a national market share of at least 0.1% are included here. Medibank/ahm is fourth overall in this ranking (up from seventh in 2021). The weighting ensures that funds are compared fairly; larger funds serve more customers so can potentially get more complaints.

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James Martin
This article was reviewed on 30 June by . James is the insurance editor at Finder and he's written on a range of insurance and finance topics for over 7 years.

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