Medibank health insurance review

With reasonable prices and strong benefits, several Medibank policies were highly commended in the 2025 Finder Health Insurance Awards.

3.9 ★★★★★ (196 reviews) Write a review

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3 of 3 results
Name

Want up to 8 weeks free and $500 in gift cards (couples/families) or $250 in gift cards (singles/single parents) when you join and maintain eligible Bronze Hospital+Extras cover or above?

Ends 15 December 2025

Offer ends 15 December 2025. New members only. T&Cs apply. Excludes Basic covers.


Want 6 weeks free plus up to $200 in gift cards?

New members only. Excludes Basic covers. T&Cs apply.


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.

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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 88 results
Treatments Rewards Price
Medibank Private Limited logo
Hospital
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
$136.20
per month
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Medibank Private Limited logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
$137.70
per month
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Medibank Private Limited logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
$142.40
per month
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Medibank Private Limited logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
$142.45
per month
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Medibank Private Limited logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
$144.60
per month
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Medibank Private Limited logo
Hospital
Extras
$148.50
per month
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Medibank Private Limited logo
Hospital
Extras
$153.20
per month
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Medibank Private Limited logo
Hospital
Extras
$153.25
per month
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Medibank Private Limited logo
Hospital
Extras
$155.20
per month
Want up to 8 weeks free and $500 in gift cards (couples/families) or $250 in gift cards (singles/single parents) when you join and maintain eligible Bronze Hospital+Extras cover or above? Offer ends 15 December 2025. New members only. T&Cs apply. Excludes Basic covers.
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Medibank Private Limited logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
$156.80
per month
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8 of 8 results
Treatments Rewards Price
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
$123.00
per month
Want 6 weeks free plus up to $200 in gift cards? New members only. Excludes Basic covers. T&Cs apply.
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Medibank Private Limited logo
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
$105.50
per month
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Medibank Private Limited logo
Medibank Basic Plus Select
Basic Plus$750 excess
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
$116.30
per month
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Medibank Private Limited logo
Medibank Bronze Plus Support
Bronze Plus$750 excess
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
$136.10
per month
Want 6 weeks free plus up to $200 in gift cards? New members only. Excludes Basic covers. T&Cs apply.
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Medibank Private Limited logo
Medibank Silver Plus Core
Silver Plus$750 excess
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
$154.75
per month
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Medibank Private Limited logo
Medibank Silver Plus Support
Silver Plus$750 excess
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
$171.40
per month
Want 6 weeks free plus up to $200 in gift cards? New members only. Excludes Basic covers. T&Cs apply.
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Medibank Private Limited logo
Medibank Silver Plus Secure
Silver Plus$750 excess
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
$239.10
per month
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Medibank Private Limited logo
Medibank Gold Protect
Gold$750 excess
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
$353.45
per month
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10 of 18 results
Treatments Rewards Price
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
$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.
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Medibank Private Limited logo
Healthy Start Extras
Extras cover
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
$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.
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Medibank Private Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
$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.
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Medibank Private Limited logo
Essential Extras 75
Extras cover
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
$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.
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Medibank Private Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
$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.
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Medibank Private Limited logo
Growing Family 60
Extras cover
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
$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.
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Medibank Private Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
$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.
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Medibank Private Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
$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 SiteMore info
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Medibank Private Limited logo
Top Extras 60
Extras cover
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
$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.
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Medibank Private Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
$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.
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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 & 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.

Finder Awards badge

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

FAQs

Sources

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.
Nicola Middlemiss's headshot
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 257 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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