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Established in 1975, Medibank today provides health insurance solutions to more than 3.8 million people across Australia and New Zealand. If you're looking for private health insurance, Medibank offers a wide range of hospital and extras cover options for singles, couples, families and single parents.
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Medibank is one of Australia's oldest health insurers and it's the second largest health insurer in Australia. It was originally a government-owned business but was privatised in 2014.
Medibank has a network of more than 160 member hospitals where you can save on some out-of-pocket expenses usually associated with private care.
The insurer also offers a number of perks and rewards opportunities including:
All of Medibank's hospital policies fit into the new tier structure developed by the Australian government. However, they haven't updated their extras policies in the same way. They have until April 2020 to do so.
All of Medibank's hospital policies include the minimum requirements of providing restricted cover for rehabilitation, psychiatry and palliative care.
They also offer full cover for accidents and ambulance rides, plus transport and accommodation support if your round trip for hospital admission is more than 200km.
This is the most bare bones policy, adhering to the government's minimum requirement for a Basic policy. It offers restricted cover for:
You can choose an excess of $500 or $750.
This covers everything Basic Accident and Ambulance does plus a little bit more, including:
The only excess option available is $750.
This sticks to the government's minimum requirement for a Bronze policy, with cover for 18 clinical categories including
You can choose an excess of $250, $500 or $750.
This covers everything Bronze Everyday does plus a little bit more, including:
It also offers full instead of restricted cover for palliative care.
You can choose an excess of $250, $500 or $750.
This sticks to the government's minimum requirement for a Silver policy, with cover for 26 clinical categories including:
You can choose an excess of $250, $500 or $750.
This covers everything Silver Everyday does plus a little bit more, including:
It also offers full instead of restricted cover for rehabilitation and palliative care.
You can choose an excess of $250, $500 or $750.
This covers everything Silver Plus Assured does plus a little bit more, including:
You can choose an excess of $250, $500 or $750.
This covers all clinical categories defined by the Australian government. You'll get everything above plus:
These are Medibank's extras policies.
Medibank offers a Youth discount to customers under 30. The percentage of discount you receive depends on what age you were when you become eligible, which is 1 April 2019 or the date you first took out a policy, whichever is later.
You can keep your discount until age 40 and after that, it decreases by 2% per year.
Here's what your discount will be based on the age you are when you become eligible :
Medibank offers several overseas visitors health cover (OVHC) and overseas student health cover (OSHC) policies and they all meet the Department of Immigration and Citizenship (DIAC) visa requirements.
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What can I use my package bonus?
Thanks.
Hi Billy,
Thank you for getting in touch with Finder.
Rebates can be claimed as part of the Medibank Private “bonus package”. For more info on what you can do with your bonus package with Medibank Health Insurance, please contact them directly.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
I want to know if Medibank Private, which I belong to, and have for many years, covers anything in the way of a single dental implant. I got a plate recently on that tooth, but it hurts and makes my tongue very painful and I can’t wear it. I have diabetes and am 85 y/o, so does that make any difference regarding a claim from you or perhaps the government?
Hi Fay,
Thanks for reaching out to Finder.
Finding cover for dental implants is not easy but possible. Here are two ways you can find cover for implants:
1. Hospital cover: Some policies will cover dental implants as part of their hospital cover, but this would require that you are admitted to a hospital as an inpatient. Most implants are done in an outpatient setting, so in order to be covered on a policy like this, you would have to have special anesthetic needs or extensive bone grafting.
2. Extras cover: Implants are categorised into an area of major dentistry called periodontics, having to do with the gums. If your policy covers periodontics and doesn’t specifically exclude implants, you may be covered. You’ll have to check with your insurer to be certain, and be ready to pay out-of-pocket because your benefit almost certainly won’t cover the whole amount. If you can get a quote that lists your treatment item numbers – that will really help you work out final costs with your health fund.
According to this page – Medibank covers dental implants while on a Black 60 policy. When you visit the page, click the GO TO SITE button to be brought to Medibank’s site immediately. Best to reach out to Medibank directly.
Hope this helps!
Best,
Nikki