What levels of health insurance cover do Medibank offer

Medibank offers a range of hospital cover levels spanning Basic, Bronze, Silver and Gold tiers, as well as multiple different Extras policies.

Is Bupa owned by Medibank?

No, Bupa is not owned by Medibank.

Medibank Private Health Insurance Review 2026

3.9 (2570 reviews) Write a review

Medibank took home multiple wins in the 2026 Finder Health Insurance Awards.
Their Gold Hospital policy ranks among the cheapest Finder reviewed.
Customer satisfaction and trust scores are currently lower than average for Medibank.

3 of 3 results

Name
Get up to 10 weeks free New members can get up to 10 weeks free when they join & maintain eligible Hospital & Extras cover. T&Cs apply. Get deal		loading Fetching your data...
Want 6 weeks free plus up to $200 in gift cards? New members only. T&Cs apply. Get deal		loading Fetching your data...
Get 4 weeks free + a $50 gift card + 2 and 6 month waits waived on Extras For new members only. Excludes Healthy Living Extras. T&Cs apply. Get deal		loading Fetching your data...

Showing 3 of 3 results

Our verdict

Pros

Medibank's Gold Hospital policy is among the cheapest health insurance policies that Finder compared.
Members with hospital cover can talk with a mental health professional via a 24/7 line.
Medibank received multiple wins for Best Health Insurance in the 2026 Finder Health Insurance Awards. It also picked up many Highly Commended wins across other state categories.
Medibank has a pretty good complaint record this year, better than most of the big funds.

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.
Medibank's cheapest hospital and extras policy costs around $101 a month but HBF, HCF and Bupa all offer combined policies for less than $97 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.

10 of 160 results

Treatments	Price
Medibank Private Limited - Medibank Bronze Plus Value + Healthy Living Extras Bronze$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +21 other treatments covered Extras General dental Major dental Optical Hearing aids	$25.96 per week	Intro offer: New members can get up to 10 weeks free when they join & maintain eligible Hospital & Extras cover. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
Medibank Private Limited - Medibank Basic Accident and Ambulance + Healthy Living Extras Basic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General dental Major dental Optical Hearing aids	$23.21 per week	Intro offer: New members can get up to 10 weeks free when they join & maintain eligible Hospital & Extras cover. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
Medibank Private Limited - Medibank Basic Plus Select + Healthy Living Extras Basic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix +4 other treatments covered Extras General dental Major dental Optical Hearing aids	$24.48 per week	Intro offer: New members can get up to 10 weeks free when they join & maintain eligible Hospital & Extras cover. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
Medibank Private Limited - Medibank Basic Accident and Ambulance + Essential Extras 60 Basic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General dental Major dental Optical Hearing aids +4 other treatments covered	$25.50 per week	Intro offer: New members can get up to 10 weeks free when they join & maintain eligible Hospital & Extras cover. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
Medibank Private Limited - Medibank Basic Accident and Ambulance + Healthy Start Extras Basic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General dental Major dental Optical Hearing aids +7 other treatments covered	$26.23 per week	Intro offer: New members can get up to 10 weeks free when they join & maintain eligible Hospital & Extras cover. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
Medibank Private Limited - Medibank Basic Accident and Ambulance + My Choice Extras Core 60 Basic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General dental Major dental Optical Hearing aids +3 other treatments covered	$26.34 per week	Intro offer: New members can get up to 10 weeks free when they join & maintain eligible Hospital & Extras cover. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
Medibank Private Limited - Medibank Basic Plus Select + Essential Extras 60 Basic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix +4 other treatments covered Extras General dental Major dental Optical Hearing aids +4 other treatments covered	$26.77 per week	Intro offer: New members can get up to 10 weeks free when they join & maintain eligible Hospital & Extras cover. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
Medibank Private Limited - Medibank Basic Plus Select + Healthy Start Extras Basic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix +4 other treatments covered Extras General dental Major dental Optical Hearing aids +7 other treatments covered	$27.50 per week	Intro offer: New members can get up to 10 weeks free when they join & maintain eligible Hospital & Extras cover. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
Medibank Private Limited - Medibank Basic Plus Select + My Choice Extras Core 60 Basic$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix +4 other treatments covered Extras General dental Major dental Optical Hearing aids +3 other treatments covered	$27.61 per week	Intro offer: New members can get up to 10 weeks free when they join & maintain eligible Hospital & Extras cover. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
Medibank Private Limited - Medibank Bronze Plus Support + Healthy Living Extras Bronze$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	$28.21 per week	Intro offer: New members can get up to 10 weeks free when they join & maintain eligible Hospital & Extras cover. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading

Showing 10 of 160 results

8 of 8 results

Treatments	Price
Medibank Private Limited - Medibank Bronze Plus Value Bronze$750 excess	Joint reconstructions Ear nose and throat Blood Back neck and spine Dental surgery Eye excluding cataracts Cancer Lung and chest +17 other treatments covered	$22.31 per week	Intro offer: New members can get 6 weeks free cover. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
Medibank Private Limited - Medibank Basic Accident and Ambulance Basic$750 excess	Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Eye excluding cataracts Pain management Gynaecology Lung and chest	$19.56 per week	Intro offer: New members can get 6 weeks free cover. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
Medibank Private Limited - Medibank Basic Plus Select Basic$750 excess	Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Eye excluding cataracts Pain management Gynaecology Lung and chest +3 other treatments covered	$20.83 per week	Intro offer: New members can get 6 weeks free cover. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
Medibank Private Limited - Medibank Bronze Plus Support Bronze$750 excess	Joint reconstructions Ear nose and throat Blood Back neck and spine Dental surgery Eye excluding cataracts Cancer Lung and chest +18 other treatments covered	$24.56 per week	Intro offer: New members can get 6 weeks free cover. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
Medibank Private Limited - Medibank Silver Plus Core Silver$750 excess	Lung and chest Back neck and spine Cataracts Joint replacements Blood Dental surgery Palliative care Pregnancy and birth +23 other treatments covered	$27.63 per week	Intro offer: New members can get 6 weeks free cover. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
Medibank Private Limited - Medibank Silver Plus Support Silver$750 excess	Lung and chest Back neck and spine Cataracts Joint replacements Blood Dental surgery Palliative care Pregnancy and birth +26 other treatments covered	$31.85 per week	Intro offer: New members can get 6 weeks free cover. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
Medibank Private Limited - Medibank Silver Plus Secure Silver$750 excess	Lung and chest Back neck and spine Cataracts Joint replacements Blood Dental surgery Palliative care Pregnancy and birth +27 other treatments covered	$43.73 per week	Intro offer: New members can get 6 weeks free cover. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
Medibank Private Limited - 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	$68.09 per week	Intro offer: New members can get 6 weeks free cover. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading

Showing 8 of 8 results

10 of 16 results

Treatments	Price
Medibank Private Limited - My Choice Extras Core 60 Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +2 other treatments covered	$6.78 per week	Intro offer: Get 4 weeks free + a $50 gift card + 2 and 6 month waits waived on Extras. For new members only. Excludes Healthy Living Extras. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
Medibank Private Limited - Healthy Living Extras Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids	$3.65 per week	Intro offer: Get 4 weeks free + a $50 gift card + 2 and 6 month waits waived on Extras. For new members only. Excludes Healthy Living Extras. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
Medibank Private Limited - Healthy Start Extras Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +3 other treatments covered	$6.67 per week	Intro offer: Get 4 weeks free + a $50 gift card + 2 and 6 month waits waived on Extras. For new members only. Excludes Healthy Living Extras. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
Medibank Private Limited - My Choice Extras Move 60 Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +3 other treatments covered	$9.42 per week	Intro offer: Get 4 weeks free + a $50 gift card + 2 and 6 month waits waived on Extras. For new members only. Excludes Healthy Living Extras. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
Medibank Private Limited - Essential Extras 75 Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +1 other treatments covered	$10.44 per week	Intro offer: Get 4 weeks free + a $50 gift card + 2 and 6 month waits waived on Extras. For new members only. Excludes Healthy Living Extras. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
Medibank Private Limited - My Choice Extras Core 75 Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +2 other treatments covered	$11.00 per week	Intro offer: Get 4 weeks free + a $50 gift card + 2 and 6 month waits waived on Extras. For new members only. Excludes Healthy Living Extras. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
Medibank Private Limited - Growing Family 60 Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +6 other treatments covered	$12.10 per week	Intro offer: Get 4 weeks free + a $50 gift card + 2 and 6 month waits waived on Extras. For new members only. Excludes Healthy Living Extras. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
Medibank Private Limited - My Choice Extras Family 60 Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +4 other treatments covered	$12.65 per week	Intro offer: Get 4 weeks free + a $50 gift card + 2 and 6 month waits waived on Extras. For new members only. Excludes Healthy Living Extras. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
Medibank Private Limited - My Choice Extras Support 60 Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +5 other treatments covered	$12.65 per week	Intro offer: Get 4 weeks free + a $50 gift card + 2 and 6 month waits waived on Extras. For new members only. Excludes Healthy Living Extras. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
Medibank Private Limited - My Choice Extras Complete 60 Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +6 other treatments covered	$14.67 per week	Intro offer: Get 4 weeks free + a $50 gift card + 2 and 6 month waits waived on Extras. For new members only. Excludes Healthy Living Extras. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading

Showing 10 of 16 results

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

Medibank came out of the latest Private Health Insurance Ombudsman complaints data looking solid. Together with its budget brand ahm, Medibank received 23.9% of all complaints, comfortably below its 26.5% market share. It also accounted for just 17.3% of the complaints the Ombudsman had to formally investigate, which suggests its internal complaints handling resolves most problems before they get escalated.

Complaints across the whole industry dropped 20% in 2024-25, so the playing field was more even this year. Even so, Medibank's complaints record held up better than most of the big funds. Bupa, HCF and nib all sat closer to par with their market share, with only HBF posting a meaningfully better ratio.

Congratulations, Medibank Private Limited!

Medibank was a big winner in the 2026 Finder Awards.

Winner, Best Health Insurance: National, NSW and QLD
Winner, Best Hospital Cover: National, NSW, QLD and WA
Highly commended, Best Health Insurance: VIC, SA, WA, TAS and NT
Highly commended, Best Hospital Cover: VIC, SA and NT
Highly commended, Best Extras Cover: National, NSW, VIC, QLD, SA, WA, TAS and NT

Full list of 2026 health insurance winners

Our expert says

"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

Journalist

FAQs

Compare other products from Medibank

Sources

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

Written by

Nicola Middlemiss

Journalist

Add to Preferred Sources

Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

Nicola's expertise

Nicola has written 243 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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Medibank health insurance review

With reasonable prices and strong benefits, several Medibank policies were highly commended in the 2026 Finder Health Insurance Awards.