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.

