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Medibank health insurance review

With reasonable prices and strong benefits, several Medibank policies were highly commended in the 2024 Finder Health Insurance Awards.

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

Medibank live deals and promo codes [checked daily]

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?

Ends 31 July 2024

New members only. T&Cs apply. Excludes Basic covers. Ends 31 July 2024.


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. Excludes Healthy Living Extras.

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Our verdict

Pros

Cons

  • In 2022, Medibank's database was hacked and 9.7 million Australians had their personal information stolen, leading to a drop in consumer trust for Medibank.
  • A disproportionately high number of complaints were made about Medibank in the last financial year, although many of these were about the cyber hack.
  • Medibank's cheapest hospital and extras policy costs around $120 a month but Bupa, Frank and nib all offer combined policies for less than $95 a month.

What types of health insurance does Medibank offer?

Medibank offers a range of hospital and extras cover. To help find the best health insurance policy for you, it's best to compare multiple providers.

1 - 10 of 48
Name Product Treatments Price Apply Hide Compare
Medibank Private Limited logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +5 other treatments covered
$104.00
per month
Go to Site
All treatments
Medibank Private Limited logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +16 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +5 other treatments covered
$116.22
per month
Go to Site
All treatments
Medibank Private Limited logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +22 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +5 other treatments covered
$117.20
per month
Go to Site
All treatments
Medibank Private Limited logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +9 other treatments covered
$119.27
per month
Go to Site
All treatments
Medibank Private Limited logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +16 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +9 other treatments covered
$119.76
per month
Go to Site
All treatments
Medibank Private Limited logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +22 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +9 other treatments covered
$120.74
per month
Go to Site
All treatments
Medibank Private Limited logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +16 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +5 other treatments covered
$134.01
per month
Go to Site
All treatments
Medibank Private Limited logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +22 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +5 other treatments covered
$134.99
per month
Go to Site
All treatments
Medibank Private Limited logo
Hospital
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • +26 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +5 other treatments covered
$138.08
per month
Go to Site
All treatments
Medibank Private Limited logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +22 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +12 other treatments covered
$140.72
per month
Go to Site
All treatments
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Name Product Treatments Price Apply Hide Compare
Medibank Silver Plus Core
Silver Plus$750 excess
Medibank Private Limited logo
  • 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
Medibank Private Limited logo
  • 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
Medibank Private Limited logo
  • 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
Medibank Private Limited logo
  • 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 14
Name Product Treatments Price Apply Hide Compare
Medibank Private Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +6 other treatments covered
$27.82
per month
Go to Site
All treatments
Medibank Private Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +4 other treatments covered
$27.86
per month
Go to Site
All treatments
Medibank Private Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +6 other treatments covered
$37.51
per month
Go to Site
All treatments
Medibank Private Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +3 other treatments covered
$42.07
per month
Go to Site
All treatments
Medibank Private Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +4 other treatments covered
$43.77
per month
Go to Site
All treatments
Growing Family 60
Extras cover
Medibank Private Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +9 other treatments covered
$47.80
per month
Go to Site
All treatments
Medibank Private Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +7 other treatments covered
$50.36
per month
Go to Site
All treatments
Medibank Private Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +8 other treatments covered
$50.36
per month
Go to Site
All treatments
Medibank Private Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +9 other treatments covered
$58.39
per month
Go to Site
All treatments
Medibank Private Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +6 other treatments covered
$59.82
per month
Go to Site
All treatments
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How to make a claim

There are a few ways to claim on your Medibank health insurance policy.

  • Online: Register and log in to Medibank or use the MyMedibank app. Select 'Make a claim' and follow the instructions. Medibank will pay any benefits directly into your bank account.
  • Membership card: If you have your membership card with you, you may be able to claim extras benefits on the spot from your healthcare provider.
  • By phone: If you have an Android phone, you can use your digital card in the My Medibank app to tap and claim at extras providers with a HICAPS machine.
  • In store: Visit a Medibank store with your completed claim form and the original invoices or receipts.
  • By post: Send Medibank a letter with your completed claim form and the original invoices or receipts to the following address:

    Medibank Private Limited
    GPO BOX 2984
    MELBOURNE VIC 3001

Complaints info

The Private Health Insurance Ombudsman received a disproportionately high number of complaints about Medibank in the last financial year - Medibank has 27.1% of market share but accounted for 29.9% of all complaints. However, many of these complaints were in relation to the cyber attack in 2022. Of all claims investigated by the Ombudsman, Medibank accounted for only 19.2% - far less than its 27.1% market share.

Congratulations, Medibank!

Medibank received the following highly commended awards in the 2024 Product Awards:

  • 'Health Insurance - Bronze Hospital'
  • 'Health Insurance - Medium Extras'
  • 'Health Insurance - Comprehensive Extras'
Full list of 2024 winners

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FAQs

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To make sure you get accurate and helpful information, this guide has been edited by Tim Bennett as part of our fact-checking process.
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Senior writer

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio

Nicola's expertise
Nicola has written 238 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance

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