What levels of health insurance cover do Medibank offer

Medibank offers a wide range of levels for hospital cover including two Basic policies, three Bronze policies, three Silver policies and one Gold policy. It also offers five different Extras policies.

Is Bupa owned by Medibank?

No, Bupa is not owned by Medibank.

Medibank Health Insurance Review

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3 of 3 results

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Want 6 weeks free and $300 in gift cards (couples/families) or $150 in gift cards (singles/single parents) when you join & maintain eligible Hospital+Extras cover? New members only. T&Cs apply. Get deal		loading Fetching your data...
Want 6 weeks free plus up to $200 in gift cards? New members only. Excludes Basic covers. T&Cs apply. Get deal		loading Fetching your data...
Want 4 weeks free + a $50 gift card when you join & maintain eligible Extras? Plus, get 2&6 month waits waived. New members only. T&Cs apply. Excludes Healthy Living Extras. 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 was highly-commended four times in the 2025 Finder Health Insurance Awards.
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 $138 a month but HBF, HCF and Bupa 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.

10 of 94 results

Treatments	Rewards	Price
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	$125.40 per month	ENDS SOON! $300 VISA CARD REWARD 1 Click here 2 Buy a Medibank combined policy 3 Get card from Finder Ends by. T&Cs and limits apply.	Go to Site View details Compare product selectionCompare	loading
Medibank Basic Plus Select + Healthy Living Extras Basic Plus$750 excess	Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix +4 other treatments covered Extras General dental Major dental Optical Hearing aids	$136.20 per month	ENDS SOON! $300 VISA CARD REWARD 1 Click here 2 Buy a Medibank combined policy 3 Get card from Finder Ends by. T&Cs and limits apply.	Go to Site View details Compare product selectionCompare	loading
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	$137.70 per month	ENDS SOON! $300 VISA CARD REWARD 1 Click here 2 Buy a Medibank combined policy 3 Get card from Finder Ends by. T&Cs and limits apply.	Go to Site View details Compare product selectionCompare	loading
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	$142.40 per month	ENDS SOON! $300 VISA CARD REWARD 1 Click here 2 Buy a Medibank combined policy 3 Get card from Finder Ends by. T&Cs and limits apply.	Go to Site View details Compare product selectionCompare	loading
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	$142.45 per month	ENDS SOON! $300 VISA CARD REWARD 1 Click here 2 Buy a Medibank combined policy 3 Get card from Finder Ends by. T&Cs and limits apply.	Go to Site View details Compare product selectionCompare	loading
Medibank Bronze Plus Value + Healthy Living Extras Bronze Plus$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	$142.90 per month	ENDS SOON! $300 VISA CARD REWARD 1 Click here 2 Buy a Medibank combined policy 3 Get card from Finder Ends by. T&Cs and limits apply.	+	Want 6 weeks free and $300 in gift cards (couples/families) or $150 in gift cards (singles/single parents) when you join & maintain eligible Hospital+Extras cover? New members only. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
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	$144.60 per month	ENDS SOON! $300 VISA CARD REWARD 1 Click here 2 Buy a Medibank combined policy 3 Get card from Finder Ends by. T&Cs and limits apply.	Go to Site View details Compare product selectionCompare	loading
Medibank Basic Plus Select + Essential Extras 60 Basic Plus$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	$148.50 per month	ENDS SOON! $300 VISA CARD REWARD 1 Click here 2 Buy a Medibank combined policy 3 Get card from Finder Ends by. T&Cs and limits apply.	Go to Site View details Compare product selectionCompare	loading
Medibank Basic Plus Select + Healthy Start Extras Basic Plus$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	$153.20 per month	ENDS SOON! $300 VISA CARD REWARD 1 Click here 2 Buy a Medibank combined policy 3 Get card from Finder Ends by. T&Cs and limits apply.	Go to Site View details Compare product selectionCompare	loading
Medibank Basic Plus Select + My Choice Extras Core 60 Basic Plus$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	$153.25 per month	ENDS SOON! $300 VISA CARD REWARD 1 Click here 2 Buy a Medibank combined policy 3 Get card from Finder Ends by. T&Cs and limits apply.	Go to Site View details Compare product selectionCompare	loading

Showing 10 of 94 results

8 of 8 results

Treatments	Rewards	Price
Medibank Bronze Plus Value Bronze Plus$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	$123.00 per month	Want 6 weeks free plus up to $200 in gift cards? New members only. Excludes Basic covers. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
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	$105.50 per month	Go to Site View details Compare product selectionCompare	loading
Medibank Basic Plus Select Basic Plus$750 excess	Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Eye excluding cataracts Pain management Gynaecology Lung and chest +3 other treatments covered	$116.30 per month	Go to Site View details Compare product selectionCompare	loading
Medibank Bronze Plus Support Bronze Plus$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	$136.10 per month	Want 6 weeks free plus up to $200 in gift cards? New members only. Excludes Basic covers. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
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	$154.75 per month	Want 6 weeks free plus up to $200 in gift cards? New members only. Excludes Basic covers. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
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	$171.40 per month	Want 6 weeks free plus up to $200 in gift cards? New members only. Excludes Basic covers. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
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	$239.10 per month	Want 6 weeks free plus up to $200 in gift cards? New members only. Excludes Basic covers. T&Cs apply.	View details Compare product selectionCompare	loading
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	$353.45 per month	Want 6 weeks free plus up to $200 in gift cards? New members only. Excludes Basic covers. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading

Showing 8 of 8 results

10 of 18 results

Treatments	Rewards	Price
My Choice Extras Core 60 Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +2 other treatments covered	$36.95 per month	Want 4 weeks free + a $50 gift card when you join & maintain eligible Extras? Plus, get 2&6 month waits waived. New members only. T&Cs apply. Excludes Healthy Living Extras.	Go to Site View details Compare product selectionCompare	loading
Healthy Start Extras Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +3 other treatments covered	$36.90 per month	Want 4 weeks free + a $50 gift card when you join & maintain eligible Extras? Plus, get 2&6 month waits waived. New members only. T&Cs apply. Excludes Healthy Living Extras.	Go to Site View details Compare product selectionCompare	loading
My Choice Extras Move 60 Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +3 other treatments covered	$51.30 per month	Want 4 weeks free + a $50 gift card when you join & maintain eligible Extras? Plus, get 2&6 month waits waived. New members only. T&Cs apply. Excludes Healthy Living Extras.	Go to Site View details Compare product selectionCompare	loading
Essential Extras 75 Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +1 other treatments covered	$56.90 per month	Want 4 weeks free + a $50 gift card when you join & maintain eligible Extras? Plus, get 2&6 month waits waived. New members only. T&Cs apply. Excludes Healthy Living Extras.	Go to Site View details Compare product selectionCompare	loading
My Choice Extras Core 75 Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +2 other treatments covered	$59.90 per month	Want 4 weeks free + a $50 gift card when you join & maintain eligible Extras? Plus, get 2&6 month waits waived. New members only. T&Cs apply. Excludes Healthy Living Extras.	Go to Site View details Compare product selectionCompare	loading
Growing Family 60 Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +6 other treatments covered	$65.90 per month	Want 4 weeks free + a $50 gift card when you join & maintain eligible Extras? Plus, get 2&6 month waits waived. New members only. T&Cs apply. Excludes Healthy Living Extras.	Go to Site View details Compare product selectionCompare	loading
My Choice Extras Support 60 Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +5 other treatments covered	$68.90 per month	Want 4 weeks free + a $50 gift card when you join & maintain eligible Extras? Plus, get 2&6 month waits waived. New members only. T&Cs apply. Excludes Healthy Living Extras.	Go to Site View details Compare product selectionCompare	loading
My Choice Extras Family 60 Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +4 other treatments covered	$68.90 per month	Want 4 weeks free + a $50 gift card when you join & maintain eligible Extras? Plus, get 2&6 month waits waived. New members only. T&Cs apply. Excludes Healthy Living Extras.	Go to Site View details Compare product selectionCompare	loading
Top Extras 60 Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +6 other treatments covered	$76.75 per month	Want 4 weeks free + a $50 gift card when you join & maintain eligible Extras? Plus, get 2&6 month waits waived. New members only. T&Cs apply. Excludes Healthy Living Extras.	Go to Site View details Compare product selectionCompare	loading
My Choice Extras Complete 60 Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +6 other treatments covered	$79.90 per month	Want 4 weeks free + a $50 gift card when you join & maintain eligible Extras? Plus, get 2&6 month waits waived. New members only. T&Cs apply. Excludes Healthy Living Extras.	Go to Site View details Compare product selectionCompare	loading

Showing 10 of 18 results

What do Australians think of Medibank health insurance?

3.72/5 overall for Customer Satisfaction - lower than the average of 4.13, and this was the lowest score in the category
3.86/5 for Trust - lower than the average of 4.46, and this was the lowest score in the category
3.78/5 for Customer Service - lower than the average of 4.17, and this was the lowest score in the category

Based on Medibank health insurance scores in Finder's 2024 & 2025 Customer Satisfaction Awards.

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

Looking at the most recent Private Health Insurance Ombudsman complaints data, Medibank did quite well. Medibank (along with ahm) received a lower number of complaints than its market share. Specifically it got 17.9% of all complaints, with a 26.7% market share. A decent part of that performance is down to the fact that Defence Health had a shocker of a year, racking up a whopping 31.6% of all complaints with just 2% market share! This was because of a disastrous system malfunction in 2023.

That said, Medibank still has a better complaints record than most of the big health funds, with only hbf having a lower complaints ratio. This is a big improvement from the year before, which was marred for Medibank due to the number of complaints that came in after the company was the victim of a massive hack that compromised member's personal information.

Congratulations, Medibank Private Limited!

Medibank Private Limited was a big winner in the 2025 Finder Awards.

Highly commended, Best Gold Hospital Health Insurance: Medibank Gold Protect
Highly commended, Best Core Extras Health Insurance: Essential Extras 60
Highly commended, Best Medium Extras Health Insurance: Healthy Start Extras
Highly commended, Best Comprehensive Extras Health Insurance: My Choice Extras Support 60

Full list of 2025 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

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

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 256 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