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 AUFHI-DLZ

Join and maintain eligible Medibank hospital and extras cover and you could earn Live Better points to redeem on rewards like an Apple Watch

Ends 18 December 2024

New members only. T&Cs apply. Excludes Basic covers. Ends 18 December 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 $104 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 AUFHI-NEW 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
  • +4 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
  • +4 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
  • +4 other treatments covered
$117.20
per month
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All treatments
Medibank Private Limited logo
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 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
  • +7 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
  • +7 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
  • +4 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
  • +4 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
  • +4 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
  • +10 other treatments covered
$140.72
per month
Go to Site
All treatments
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Name Product AUFHI-NEW 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
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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
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All treatments
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1 - 10 of 14
Name Product AUFHI-NEW Treatments Price Apply Hide Compare
Medibank Private Limited logo
  • 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
Medibank Private Limited logo
  • 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
Medibank Private Limited logo
  • 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
Medibank Private Limited logo
  • 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
Medibank Private Limited logo
  • 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
Growing Family 60
Extras cover
Medibank Private Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +6 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
  • +4 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
  • +5 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
  • +6 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
  • +3 other treatments covered
$59.82
per month
Go to Site
All treatments
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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 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

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.

Finder Awards badge

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

FAQs

Compare other products from Medibank

Tim Bennett's headshot
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 241 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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