4 ways your health insurance can unlock better value in 2026
Getting health insurance isn't just about getting insured. It can also let you get better value for your money overall!
Sponsored by Medibank. Whether you need hospital cover, extras cover or both, we've got you. Get outstanding value health insurance with a range of benefits and member perks with Medibank.
With the cost of living on the rise, it's crucial to look for ways to get better bang for your buck. And your health insurance is no exception!
So with this in mind, let's look at how a Medibank health insurance policy can offer you extra value alongside your usual cover.
1. Earn Rewards
Some health insurance policies aren't just about looking after you when you're unwell.
Instead, they help you to put your health, and potential, first – whether it's through providing services, advice or offering better value.
Live Better Rewards is Medibank's health and wellbeing program. It's designed to inspire, support, and reward you to eat, move, and feel better, all while enjoying the things you do every day like walking, sleeping, eating healthily and more.
Medibank members with eligible hospital and/or extras cover could earn rewards each year by redeeming the points earned for taking healthy actions.* Plus, if you shop with Medibank's partner brands, you could earn even more points!
It's a great way to reach your potential and be rewarded for it.
2. Unlimited emergency ambulance cover
For some insurers, ambulance cover is sold as a separate product.
But with Medibank, unlimited emergency ambulance cover for eligible emergencies is included with all Hospital or Extras products.^
So if you do find yourself in a situation where you need an emergency ambulance (though hopefully you won't!) then you can have peace of mind knowing that the cost is covered.
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
Get rewarded with Medibank
3. Mental health support
When you're stressed out, feeling down or just need a bit of support, it can be useful to speak to a professional.
That's why with Medibank, you can choose cover that includes mental health support.
Medibank customers are also able to access 24/7 mental health support, both online and over the phone.
There's no extra cost~ for accessing this service (some referrals may involve out-of-pocket costs). Using it means that you can look after your mental health as well as your physical health.
Save 15% on award-winning travel insurance
You're built to travel. As a Medibank health member, you can do more of it with 15% off Medibank Travel Insurance# all year around.
4. Accident Cover Boost
Hospital Cover is tiered -- Basic, Bronze, Silver and Gold.
With Medibank, if you have an Accident, any Excluded or Restricted Service will be treated as if it is an Included Service, no matter what level of hospital cover you have, thanks to Medibank's Accident Cover Boost (subject to conditions and exclusions).+
So you'll be able to get the care you need and start recovering sooner.
Get cover with Medibank
* Must be aged 16+ to register, but some partners require you to be 18+ to earn and redeem. Must hold eligible Medibank hospital and/or extras cover (excluding Overseas Student Health Cover and Ambulance only cover), be up-to-date with premium payments and have signed up in the My Medibank app to earn and redeem points. Live Better Management Pty Ltd ACN 003 457 289 may receive commissions from partners. Points earning activities and rewards may change and may be subject to availability - we'll notify you of changes where possible. Additional terms may apply. See full Medibank Live Better rewards terms <hyperlink to https://www.medibank.com.au/livebetter/rewards/terms/>.
^ Waiting period applies. For ambulance attendance or transportation to a hospital where immediate medical attention is required and your condition is such that you couldn't be transported any other way. TAS and QLD have State schemes that provide ambulance services for residents of those States.
~Some referred services may involve out of pocket costs and waiting periods may apply.
#Travel insurance
Limits, sub-limits, exclusions and conditions apply. This is general advice only. Medibank Private Limited, ABN 47 080 890 259, an Authorised Representative, AR 286089, of Travel Insurance Partners Pty Limited, ABN 73 144 049 230 AFSL 360138 arranges the insurance on behalf of the insurer. The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507. Please consider your own needs and the Combined FSG/PDS to decide if this product is right for you. For information on the Target Market and Target Market Determinations, visit medibank.com.au/travel-insurance/help/
+ For Accidents that occur in Australia after your cover starts. Must seek medical treatment within 7 days, and receive hospital treatment within 12 months of the Accident occurring. Excludes Private Emergency Department Benefit, hospital bonus, claims covered by third parties and our Private Room Promise. Out-of-pocket costs may apply.
Image: @Jovanmandic via Canva.com