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News 07.04.26: Health insurance premiums increased by an average of 4.41% from 1 April 2026. The largest rise in nearly a decade. Read more at https://www.theguardian.com/australia-news/2026/feb/19/australian-private-health-insurance-premiums-increase-will-policies-deliver-cost-more.
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Showing prices for:
  • Single
  • NSW
  • Age 30
  • Base Rebate
  • $500 Excess
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Medibank Private Health Insurance Review 2026

Compare 728 Medibank Health policies. Prices shown for: Single, NSW, Age 30, $500 excess.

Medibank Health Insurance - Quick Facts

All Policies728
From$55.25/mo
Founded1976
Customer reviews
2.9 stars/ 18 reviews
Excellent Service Record
Based on 725 complaints  |  Oct 2024 – Sep 2025Ombudsman data from Medibank Health.

Prices reflect your profile settings (Single, NSW, Age 30, $500 excess). Policy information from PrivateHealth.gov.au (16 September 2026). Reviews from ProductReview.com.au (April 2026). Not affiliated with Medibank Health.

Ready to compare?

See all 728 Medibank Health policies side-by-side with personalised pricing.

Prices reflect your profile settings (Single, NSW, Age 30, $500 excess). Policy information from PrivateHealth.gov.au (16 September 2026). Reviews from ProductReview.com.au (April 2026). Not affiliated with Medibank Health.

Explore Medibank Health Policies

Medibank Health offers 728 health insurance policies across three coverage types. Prices shown are for Single, NSW, Age 30, $500 excess.

Hospital Cover

113 policies covering private hospital treatment, from $55.25* per month. Ranges from Basic tier (lowest coverage, avoid Medicare Levy Surcharge) to Gold tier (highest coverage, most treatments included).

113 policies available
From:$55.25/mo*
View Policies

Extras Cover

586 policies covering general treatment (dental, optical, physio, etc.), from $20.85* per month. Extras policies help reduce out-of-pocket costs for everyday health services not covered by Medicare.

586 policies available
From:$20.85/mo*
View Policies

Hospital & Extras Combined

29 policies bundling both hospital and extras coverage, from $485.55* per month. Combined policies often include a discount (typically 2–5%) compared to purchasing hospital and extras separately.

29 policies available
From:$485.55/mo*
View Policies
Policy Name
Type
Tier
Price*
Hospital
Extras
Medibank Gold Ultra Health Cover
Combined
Gold
$485.55
Corporate Gold Health Cover
Hospital
Gold
$113.20
-
Medibank Silver Plus Core
Hospital
Silver+
$82.65
-
Corporate Silver Health Cover
Hospital
Silver
$89.95
-
Medibank Bronze Plus Value
Hospital
Bronze+
$65.60
-
Medibank Basic Plus Select
Hospital
Basic+
$63.25
-
Medibank Basic Accident and Ambulance
Hospital
Basic
$55.25
-
-
Healthy Living Extras
Extras
-
$20.85
-
-

*Prices for Single, NSW, Age 30, $500 excess. Actual prices may vary — confirm with Medibank Health directly.

Explore individual policies

Open a policy to review its benefits, eligibility and available household options.

  • Medibank Private

    Ambulance Cover

    Cover
    Ambulance
    Available in
    NSW, VIC, SA, NT, ACT
    Households
    Single, Couple, Family, Single parent
    Excess options
    $0

  • Medibank Private

    Ambulance Cover WA

    Cover
    Ambulance
    Available in
    WA
    Households
    Single, Couple, Family, Single parent
    Excess options
    $0

  • Medibank Private

    Essential Extras 60

    Cover
    Extras
    Available in
    NSW, ACT
    Households
    Single, Couple, Family, Single parent

  • Medibank Private

    Essential Extras 60

    Cover
    Extras
    Available in
    NT
    Households
    Single, Couple, Family, Single parent

  • Medibank Private

    Essential Extras 60

    Cover
    Extras
    Available in
    QLD
    Households
    Single, Couple, Family, Single parent

  • Medibank Private

    Essential Extras 60

    Cover
    Extras
    Available in
    SA
    Households
    Single, Couple, Family, Single parent
Browse all 164 policies →

Overall Medibank Health price increase

Medibank HealthIndustry average

Customer Reviews

Google Reviews
2.9out of 5
Based on 18 reviewsReviews sourced from
Google Reviews (April 2026).

What Medibank Health Specialises In

Find policies suited to your situation. Prices are indicative only.

Hospital Coverage
Gold
Comprehensive — all clinical categories
Silver+
26+ clinical categories, plus added cover
Silver
26+ clinical categories
Bronze+
17+ clinical categories, plus added cover
Basic+
Minimal coverage, plus added cover
Basic
Minimal coverage, MLS avoidance
Extras Coverage
General Dental (check-ups, cleans, fillings)
Optical (glasses, contacts, eye tests)
Physiotherapy
Chiropractic
Acupuncture

All prices shown are indicative only and were last updated on 16 September 2026 using data from PrivateHealth.gov.au. Actual prices may vary based on individual circumstances. Please confirm pricing directly with insurers.

Customer Service Record & Complaints

How Medibank Private compares to other Australian health insurers based on pricing, service record, and product range.

Excellent Service Record170 complaints in Q3 2025 (Jul–Sep) · 100% resolved internallySource: Private Health Insurance Ombudsman (PHIO) Quarterly Report, Q3 2025
Official PHIO Data

Based on official data from the Private Health Insurance Ombudsman (PHIO), Medibank Health has an Excellent Service Record with significantly fewer complaints than the industry average when normalised by market share.

27.15Complaint Rateper 1% market share · last 12 months
1%Investigation Rateformal investigations
99%Resolution Rateresolved internally

Source: Private Health Insurance Ombudsman (PHIO) Quarterly Reports, Q4 2024 – Q3 2025. Complaint rate = total complaints ÷ market share percentage. Note: All health insurers receive some complaints. Lower rates indicate better service and faster internal resolution of member concerns.

Complaint breakdown

725
Complaints
26.7
Mkt Share %
99%
Resolved
Quarter-on-Quarter:down 15% (201 → 170 complaints)— complaint rate per market share improving

Complaint Rate per 1% Market Share: Quarter on Quarter

Latest quarter
Previous quarters
Industry avg: 7.1
5.51
147 complaints
Q4 '24
7.75
207 complaints
Q1 '25
7.53
201 complaints
Q2 '25
6.37
170 complaints
Q3 '25

Source: Private Health Insurance Ombudsman (PHIO) Quarterly Reports, Q4 2024 – Q3 2025. Complaint rate = total complaints ÷ market share percentage. Complaint rate = complaints per 1% market share.

Top Complaint Categories — All Insurers Combined
Industry-wide from all 35+ insurers, Q1 2025-26. Not specific to Medibank Health.
Disputes referred to insurer92%
Resolved at first contact7%
Formal investigations1%
How Medibank Health Addresses These

99% internal resolution rate and 4 Ombudsman investigations — Medibank Private resolves member concerns before they escalate.

Source: Private Health Insurance Ombudsman (PHIO) Quarterly Report, Q1 2025-26. 849 total complaints industry-wide across all 35+ Australian health insurers.

Medibank Health vs Industry Average - Complaint Rate per 1% Market Share (Last 12 Months)

27.15
725 complaints
Medibank Health
28.58
Industry Avg

Medibank Private handles 26.7% of the market. Complaint rate of 27.15 vs industry average of 28.58 over the last 12 months.

Source: Private Health Insurance Ombudsman (PHIO) Quarterly Reports, Q4 2024 – Q3 2025. Complaint rate = total complaints ÷ market share percentage.

How to Resolve Issues

1
Contact Medibank Health132331 or ask_us@medibank.com.au
2
Request Internal ReviewIf unsatisfied, request a formal review.
3
Contact the OmbudsmanFree: 1800 640 695 or privatehealth.gov.au/ombudsman

Data Source: Private Health Insurance Ombudsman (PHIO) Quarterly Reports, Q4 2024 – Q3 2025. Complaint rate = total complaints ÷ market share percentage. Complaint data is independently collected and published by the Commonwealth Ombudsman's office. Update Frequency: Ombudsman data is updated quarterly (Jan, Apr, Jul, Oct).

Compare Medibank Health to Competitors

Based on official data from the Private Health Insurance Ombudsman (PHIO), Medibank Private has an Excellent Service Record with significantly fewer complaints than the industry average when normalised by market share.

PricingCompare Medibank Private's premiums against major insurers like Bupa.
Service RecordExcellent Service Record — 99% of PHIO complaints resolved internally in the year to Sep 2025, above the 98% industry average.
Product rangeMedibank Private offers one of the broadest ranges on the market, with 728 policies.
Market PositionMedibank Private is one of Australia's largest health insurers, holding 26.7% market share.
Medibank PrivateMedibank Private
Current Fund
Policies
728
Google Ratings
2.9/5
From*
$55.25/mo
Type
For-profit
Service
Excellent

*For Single in NSW. Service record data from PHIO.

Contact & Support

Phone
General: 132331Claims: 132331Mon-Fri 8am-6pm AEST
Email
ask_us@medibank.com.au
Online
http://medibank.com.au
Mail
GPO Box 9999MelbourneVIC 3001

Medibank Health Mobile App

App Store
App StoreMedibank Health Australia
4.7/5
163,527 ratings
View →
Google Play
Google PlayMedibank Health Australia
4.4/5
27,100 reviews·500K+ downloads
View →

App features: check cover details, track extras limits and waiting periods, make and track claims, find providers, update account details, and download tax documents. Requires Medibank membership.

Frequently Asked Questions

All information provided in these FAQs is general information only and does not constitute financial, insurance, or personal advice. For advice specific to your circumstances, consult with a licensed financial or insurance adviser, or contact insurers directly. Information is based on our understanding as of 16 September 2026 and may change. Always verify current information with official sources.

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