Medibank health insurance

Is it a good health insurer?

Medibank has 11 hospital and 20 extras policies in our comparison, from $93.41 a month for hospital cover (Single · NSW · $500 hospital excess, after rebate).

Issued by Medibank Private Limited. Hospital, extras or both.

Explore 11 hospital and 20 extras products, or find cover by treatment. Sources for Medibank

Reviewed, Edited and Designed by

Grace Connolly

Created with AI assistance

Our editorial process

Page updated 26 October 2026 · Prices effective 17 September 2026

I need cover for…

Compare cover across all Australian health funds.

Medibank cover: the main choices.

For weight loss surgery

Silver Plus Advanced covers weight loss surgery. Check the hospital cover for exclusions and restricted benefits before choosing.

Compare hospital inclusions

If you claim chiropractic every year

Comprehensive Extras has a $200 chiropractic limit that it shares with osteopathy. Check the extras benefits for shared pools and claim conditions.

See the benefit differences

Compare the cover, not just the premium

Compare Silver Plus Core with Bupa and HBF before choosing on price. Their cover differs for rehabilitation.

Compare selected alternatives

Medibank policies and example prices.

The profile you choose updates the Medibank price tables, hospital shortlist and alternative-policy comparison below.

Who needs cover?

SingleCoupleFamilySingle parent

State or territory

Hospital excess

Single · NSW · $500 hospital excess · example premiums after rebate.

Monthly examples include the 24.118% government rebate, the maximum for adults under 65. Your rebate and final quote may differ.

Price assumptions

Need a Medibank price for your circumstances? Compare Medibank with cover across all Australian health funds.

Compare my options

Hospital cover

11 product lines

Medibank hospital policies: monthly example premiums after rebate for Single · NSW · $500 hospital excess
Tier	Product	Monthly premium after rebate	Explore
Basic	Basic Accident and AmbulanceBasic Accident and Ambulance	$93.41/month	Policy details: Basic Accident and Ambulance
Basic Plus	Basic Plus SelectBasic Plus Select	$93.83/month	Policy details: Basic Plus Select
Bronze Plus	Bronze Plus ValueBronze Plus Value	$110.26/month	Policy details: Bronze Plus Value
Bronze Plus	Bronze Plus AdvancedBronze Plus Advanced	$115.00/month	Policy details: Bronze Plus Advanced
Bronze Plus	Bronze Plus SupportBronze Plus Support	$120.77/month	Policy details: Bronze Plus Support
Silver Plus	Silver Plus CoreSilver Plus Core	$138.07/month	Policy details: Silver Plus Core
Silver Plus	Silver Plus SupportSilver Plus Support	$158.82/month	Policy details: Silver Plus Support
Silver Plus	Silver Plus SecureSilver Plus Secure	$209.51/month	Policy details: Silver Plus Secure
Silver Plus	Silver Plus AdvancedSilver Plus Advanced	$221.04/month	Policy details: Silver Plus Advanced
Gold	Gold AdvancedGold Advanced	$254.85/month	Policy details: Gold Advanced
Gold	Gold ProtectGold Protect	$317.03/month	Policy details: Gold Protect

$50.69 more per month for Silver Plus Secure versus Silver Plus Support after rebate for the selected example profile.

Cataracts is an additional inclusion, not the complete list of differences.

Extras cover

20 product lines

Medibank sells Essential Extras 60 only with a Medibank hospital policy.

Medibank extras policies: monthly example premiums after rebate for Single in NSW, with no hospital excess
Product	Monthly premium after rebate	Explore
Healthy Living ExtrasHealthy Living Extras	$15.82/month	Policy details: Healthy Living Extras
Essential Extras 60Essential Extras 60	$25.72/month	Policy details: Essential Extras 60
Healthy Start ExtrasHealthy Start Extras	$28.87/month	Policy details: Healthy Start Extras
My Choice Extras Core 60My Choice Extras Core 60	$29.37/month	Policy details: My Choice Extras Core 60
My Choice Extras Move 60My Choice Extras Move 60	$40.79/month	Policy details: My Choice Extras Move 60
Essential Extras 75Essential Extras 75	$45.23/month	Policy details: Essential Extras 75
My Choice Extras Core 75My Choice Extras Core 75	$47.62/month	Policy details: My Choice Extras Core 75
Growing Family 60Growing Family 60	$52.40/month	Policy details: Growing Family 60
My Choice Extras Family 60My Choice Extras Family 60	$54.79/month	Policy details: My Choice Extras Family 60
My Choice Extras Support 60My Choice Extras Support 60	$54.79/month	Policy details: My Choice Extras Support 60
Comprehensive ExtrasComprehensive Extras	$61.01/month	Policy details: Comprehensive Extras
My Choice Extras Complete 60My Choice Extras Complete 60	$63.51/month	Policy details: My Choice Extras Complete 60
My Choice Extras Move 75My Choice Extras Move 75	$65.07/month	Policy details: My Choice Extras Move 75
Growing Family 70Growing Family 70	$78.35/month	Policy details: Growing Family 70
My Choice Extras Family 75My Choice Extras Family 75	$88.90/month	Policy details: My Choice Extras Family 75
My Choices Extras Support 75My Choices Extras Support 75	$88.90/month	Policy details: My Choices Extras Support 75
Comprehensive Extras BoostComprehensive Extras Boost	$97.66/month	Policy details: Comprehensive Extras Boost
My Choice Extras Complete 75My Choice Extras Complete 75	$103.05/month	Policy details: My Choice Extras Complete 75
My Choice Extras Complete 90My Choice Extras Complete 90	$138.14/month	Policy details: My Choice Extras Complete 90
Comprehensive Extras MaxComprehensive Extras Max	$139.66/month	Policy details: Comprehensive Extras Max

JavaScript is off. Prices show Single / NSW / $500 excess; the shortlist shows cataracts and the alternatives show Medibank Silver Plus Core comparisons. All policy links remain available.

All Medibank policy pages

Medibank joining offer

Current offer

Up to 10 weeks free plus up to $300 in gift cards

New members who keep eligible hospital and extras cover get 6 weeks free after 42 days. They get another 4 weeks free after 14 months of continuous cover. Members who sign up to Live Better in the My Medibank app and track an activity within 42 days also earn Live Better points. Singles and single parents earn 15,000 points ($150 in gift cards). Couples and families earn 30,000 points ($300 in gift cards). The 2 and 6 month waiting periods on extras are also waived for these new members.

For new members who have not held Medibank health cover in the previous 60 days, unless they are coming off a parent's cover as a dependant.

Ends 30 November 2026

Offer terms

Offer information checked: 26 October 2026. Prices, benefits and promotions can change. Before applying, check the insurer's official website for current availability, eligibility requirements, expiry dates and full terms. Read our Terms of Use. Report an error to info@healthinsurance.au.

Medibank eligibility and offer terms

Join through Medibank's website with the promo code, or ask Medibank to call you. Do not assume this offer applies when joining through another comparison service. Eligibility and other conditions apply.

Join eligible combined hospital and extras cover, quote the promo code 10WEEKSPLUS and set up direct debit.

Stay up to date with premiums and keep the cover without a break to receive the weeks free.

The Live Better points need a My Medibank account and an activity tracked in the app within 42 days. You must be 16 or over.

You must have Australian residence. The offer cannot be combined with any other offer and is not open to Medibank employees.

It excludes corporate, overseas and ahm covers. Other selected covers are also excluded.

Other waiting periods may still apply.

What does Medibank hospital insurance cover?

Choose a treatment

4 Medibank hospital policies fully cover cataracts

Tier	Product	Monthly premium after rebate	Explore
Silver Plus	Silver Plus SecureSilver Plus Secure	$209.51/month	Check policy details: Silver Plus Secure
Silver Plus	Silver Plus AdvancedSilver Plus Advanced	$221.04/month	Check policy details: Silver Plus Advanced
Gold	Gold AdvancedGold Advanced	$254.85/month	Check policy details: Gold Advanced
Gold	Gold ProtectGold Protect	$317.03/month	Check policy details: Gold Protect

Single · NSW · $500 hospital excess. Only policies that fully include cataracts are shown. How we read hospital categories

Compare selected treatment categories across all 11 hospital policies

Selected Medibank treatment categories.

Treatment	Basic Accident and AmbulanceBasic	Basic Plus SelectBasic Plus	Bronze Plus ValueBronze Plus	Bronze Plus AdvancedBronze Plus	Bronze Plus SupportBronze Plus	Silver Plus CoreSilver Plus	Silver Plus SupportSilver Plus	Silver Plus SecureSilver Plus	Silver Plus AdvancedSilver Plus	Gold AdvancedGold	Gold ProtectGold
Cataracts	Not included	Not included	Not included	Not included	Not included	Not included	Not included	Included	Included	Included	Included
Joint replacements	Not included	Not included	Not included	Not included	Not included	Not included	Not included	Included	Included	Included	Included
Heart and vascular system	Not included	Not included	Not included	Not included	Not included	Included	Included	Included	Included	Included	Included
Pregnancy and birth	Not included	Not included	Not included	Not included	Not included	Not included	Not included	Not included	Not included	Included	Included
Assisted reproductive services	Not included	Not included	Not included	Not included	Not included	Not included	Not included	Not included	Not included	Included	Included
Hospital psychiatric services	Restricted	Restricted	Restricted	Restricted	Restricted	Restricted	Restricted	Restricted	Included	Included	Included
Weight loss surgery	Not included	Not included	Not included	Not included	Not included	Not included	Not included	Not included	Included	Included	Included
Insulin pumps	Not included	Not included	Not included	Included	Not included	Not included	Included	Included	Included	Included	Included

How we read hospital categories

More premium does not mean more back on everything.

Medibank extras limits per 12 months unless the statement says otherwise

Selected benefit	Healthy Living Extras	My Choice Extras Move 60	Comprehensive Extras	Growing Family 70	My Choice Extras Family 75	Comprehensive Extras Max
Optical / physio benefit examples	Not included	Optical: 100% of eligible charge. Physio: $33.70 set benefit for an initial visit	Optical: 100% of eligible charge. Physio: $37.70 set benefit for an initial visit	Optical: 100% of eligible charge. Physio: $47.90 set benefit for an initial visit	Optical: 100% of eligible charge. Physio: $43.90 set benefit for an initial visit	Optical: 100% of eligible charge. Physio: $58.10 set benefit for an initial visit
Optical limit	Not included	$150.00Shared with orthoptics	$200.00	$225.00	$225.00Shared with orthoptics	$250.00
Physiotherapy limit	Not included	$300.00Shared with chiropractic, acupuncture, Chinese herbal medicine, exercise physiology & osteopathy	$300.00Separate physio limit	$600.00Shared with chiropractic, podiatry & osteopathy	$600.00Shared with chiropractic, acupuncture, Chinese herbal medicine, exercise physiology & osteopathy	$700.00Separate physio limit
Major dental + endodontic limit	Not included	$350.00	$500.00	$800.00	$1,000.00	$1,200.00
Chiropractic limit	Not included	$300.00	$200.00	$600.00	$600.00	$500.00
Psychology included?	No	Yes	Yes	Yes	Yes	Yes
Optical waiting period	Not included	6 months	6 months	6 months	6 months	6 months
Source statement	Single-policy example	Single-policy example	Single-policy example	Single-policy example	Single-policy example	Single-policy example

Single-policy examples. Each links to its policy statement.

About these examples

My Choice Extras Move 60 → Comprehensive Extras Max

The optical limits move from $150 to $250 for the Single-policy examples. Comprehensive Extras Max raises the physio limit from $300 to $700.

Comprehensive Extras Max's higher benefit examples

The optical examples stay at 100%, with a $250 optical limit and $700 physio limit for the Single-policy example.Compare these benefits with the premium.

Why Medibank's shared limits and waiting periods matter

Every optical benefit shown has a standard waiting period of 6 months.

How shared limits work

Medibank vs. Bupa vs. HBF

How Medibank compares with similar hospital policies.

These are selected Silver Plus examples from Bupa and HBF, not identical policies or a search for the cheapest cover across the market.

Compare alternatives to

Comparing Medibank Silver Plus Core with Bupa Silver Plus Classic Hospital and HBF Essential Silver Hospital. Single · NSW · $500 hospital excess · Silver Plus hospital cover

Change price profile ↑

Medibank and selected alternatives: monthly prices and verified coverage differences.

Compare	MedibankSilver Plus CoreReference policy	Bupa Silver Plus Classic Hospital$3.57 less a month than Medibank	HBF Essential Silver Hospital$0.37 less a month than Medibank
Monthly premium after rebate	$138.07/month	$134.50/month (lowest price in this row)	$137.70/month
Rehabilitation	Restricted	Restricted	Included (best cover in this row)
Cataracts	Not included	Not included	Not included
Joint replacements	Not included	Not included	Not included
Pregnancy and birth	Not included	Not included	Not included
Hospital psychiatric services	Restricted	Restricted	Restricted
Policy details	View Medibank Silver Plus Core	View Bupa Silver Plus Classic Hospital	View HBF Essential Silver Hospital

Price assumptions

What the differences mean for you

Both alternatives have lower example premiums for this profile. That does not make their cover identical. A lower premium can come with different treatment benefits. Check whether these differences matter for the cover you need.

Rehabilitation: included with HBF; restricted with Medibank and Bupa.

These alternatives match Medibank Silver Plus Core on tier, cataracts and joint replacements. How we choose alternatives

Compare all 38 hospital treatment categories

Medibank and the alternatives: all 38 treatment categories, policy information as at 26 October 2026.

Compare	MedibankSilver Plus Core	Bupa Silver Plus Classic Hospital	HBF Essential Silver Hospital
Rehabilitation	Restricted	Restricted	Included
Insulin pumps	Not included	Not included	Not included
Pain management with a device	Not included	Not included	Not included
Dialysis for chronic kidney failure	Not included	Not included	Not included
Cataracts	Not included	Not included	Not included
Joint replacements	Not included	Not included	Not included
Hospital psychiatric services	Restricted	Restricted	Restricted
Pregnancy and birth	Not included	Not included	Not included
Assisted reproductive services	Not included	Not included	Not included
Heart and vascular system	Included	Included	Included
Back, neck and spine	Included	Included	Included
Blood	Included	Included	Included
Bone, joint and muscle	Included	Included	Included
Brain and nervous system	Included	Included	Included
Breast surgery (medically necessary)	Included	Included	Included
Chemotherapy, radiotherapy and immunotherapy for cancer	Included	Included	Included
Dental surgery	Included	Included	Included
Diabetes management (excluding insulin pumps)	Included	Included	Included
Digestive system	Included	Included	Included
Ear, nose and throat	Included	Included	Included
Eye (not cataracts)	Included	Included	Included
Gastrointestinal endoscopy	Included	Included	Included
Gynaecology	Included	Included	Included
Hernia and appendix	Included	Included	Included
Implantation of hearing devices	Included	Included	Included
Joint reconstructions	Included	Included	Included
Kidney and bladder	Included	Included	Included
Lung and chest	Included	Included	Included
Male reproductive system	Included	Included	Included
Miscarriage and termination of pregnancy	Included	Included	Included
Pain management	Included	Included	Included
Palliative care	Included	Included	Included
Plastic and reconstructive surgery (medically necessary)	Included	Included	Included
Podiatric surgery (provided by a registered podiatric surgeon)	Included	Included	Included
Skin	Included	Included	Included
Sleep studies	Included	Included	Included
Tonsils, adenoids and grommets	Included	Included	Included
Weight loss surgery	Not included	Not included	Not included

Compare Medibank with cover from every Australian health fund.

Compare all funds

Medibank against the industry.

Medibank members had no gap on 81.8% of in-hospital medical services in the 2024-25 financial year, against 87.1% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
Medibank paid 51.3% of members' extras (general treatment) charges in the 2024-25 financial year, against 50.7% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
Medibank increased premiums by an average of 5.10% in 2026, against 4.41% across the industry. Government premium-increase figures · accessed 23 October 2026

Google

2.5 / 5

20 Google reviews

Voluntary customer reviews · Medibank Head Office

Snapshot: 26 October 2026. This is the Google listing for Medibank Head Office, not a rating of Medibank as a whole or a representative survey. This small sample may not reflect the experience of most members.

Read Medibank Head Office reviews at the source

Complaint share is below market share

Share of all complaints, 2024-2523.9%

Market share, 30 June 202526.5%

0%30%

State of the Health Funds Report 2024-25 · checked 26 October 2026

Medibank's share of complaints the Ombudsman received in 2024-25 is below its market share at 30 June 2025. Its share of complaints the Ombudsman investigated that year is 17.3%.

Latest quarter, January to March 2026. The Ombudsman referred 150 complaints about Medibank Private Limited to it to resolve, 22.6% of those it referred about all insurers, and investigated none. Ombudsman Quarterly Update · checked 26 October 2026

Read the State of the Health Funds Report 2024-25

App Store

4.7 / 5

168,305 App Store ratings

My Medibank app · Medibank Private Limited

Snapshot: 22 October 2026. My Medibank is Medibank's own app. This rates the app on the Australian App Store, not Medibank's cover or claims.

See My Medibank on the App Store

Google Play

4.4 / 5

About 27,500 Google Play reviews

My Medibank app · Medibank Private Limited

Snapshot: 22 October 2026. My Medibank is Medibank's own app. This rates the app on Google Play, not Medibank's cover or claims.

See My Medibank on Google Play

What review and complaint figures mean

Check the practical details.

Check your provider
Confirm that Medibank recognises your provider. Ask for a treatment plan and item numbers so Medibank can estimate your benefits and out-of-pocket costs.
Medibank provider search
Make or track a claim
Use Medibank's health claims guidance and member login for receipts, claim tracking and remaining benefits.
Claims guidance Health member login

Contact Medibank

For quotes and joining, call 1300 989 173. Monday to Friday 8:30am to 6pm and Saturday 9am to 4pm (local state time). Closed Sundays and public holidays.Contact details checked 22 October 2026.Official contact details and messaging options

Before you choose Medibank.

What is the cheapest Medibank hospital policy?

Basic Accident and Ambulance is the cheapest Medibank hospital policy for a single person in NSW with a $500 hospital excess, at $93.41 a month after the 24.118% government rebate for adults under 65 (prices effective 17 September 2026). This compares all 11 Medibank hospital policies, not the whole market. Check what it excludes before choosing on price.

Source: How we compare prices, checked 26 October 2026.

What does Silver Plus Core add over Bronze Plus Support?

Medibank Silver Plus Core adds cover for heart and vascular system and implantation of hearing devices compared with Bronze Plus Support. For the Single / NSW / $500 excess example it costs $17.30 more a month, so check what each policy covers before you upgrade.

Source: Private Health Information Statements, checked 26 October 2026.

Sources for Medibank.

Policy information retrieved 26 October 2026. Prices effective 17 September 2026.

Private Health Information Statements · Medibank · checked 26 October 2026
State of the Health Funds Report 2024-25 · Medibank · checked 26 October 2026
Government insurer profile · Medibank · checked 22 October 2026
Government premium-increase figures · Medibank · checked 23 October 2026
Government rebate rates and eligibility · Australian Government · checked 26 October 2026
Google listing for Medibank Head Office · Medibank · checked 26 October 2026
App Store listing for My Medibank · Medibank Private Limited · checked 22 October 2026
Google Play listing for My Medibank · Medibank Private Limited · checked 22 October 2026
Official contact details · Medibank · checked 22 October 2026
Offer terms · Medibank · checked 26 October 2026

How we compare health insurers

Compare Medibank policies Sources for Medibank Back to top

All policies by cover type

Hospital (13)

Show 1 more

Secure Silver Plus

Extras (134)

Show 122 more

Hospital and extras (14)

Show 2 more

Ambulance (2)

Overseas visitors (8)

Browse all 171 policies →

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