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Private health insurance premiums in Australia have increased by an average of 4.41% from April 1, 2026, marking the largest hike in nearly a decade. This rise, approved by the federal government, will cost households an estimated extra $80 to $160 annually.Private health insurance premiums in Australia have increased by an average of 4.41% from April 1, 2026, marking the largest hike in nearly a decade. This rise, approved by the federal government, will cost households an estimated extra $80 to $160 annually.
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Medibank Health Insurance Review 2025

Compare 748 Medibank Health policies. Prices shown for: Single, NSW, Age 30, $500 excess.

Medibank Health Insurance - Quick Facts

Policies748
Hospital From$55.25/mo
Customer reviews
2.6 stars/ 14 reviews
PHIO
🟢 Average Service RecordBased on 725 complaints  |  Oct 2024 – Sep 2025

Prices reflect your profile settings (Single, NSW, Age 30, $500 excess). Policy information from PrivateHealth.gov.au (7 April 2026). Reviews from ProductReview.com.au (January 2026). Not affiliated with Medibank Health.

Ready to compare?

See all 748 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 (February 2026). Reviews from ProductReview.com.au (January 2026). Not affiliated with Medibank Health.

Explore Medibank Health Policies

Medibank Health offers 748 health insurance policies across three coverage types. Prices shown are for Single, NSW, Age 30, $500 excess.

Hospital Cover

106 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).

106 policies available
From:$55.25/mo*
*For Single
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*
*For Single
View Policies

Combined Cover

56 policies bundling both hospital and extras coverage, from $275.15* per month. Combined policies often include a discount (typically 2–5%) compared to purchasing hospital and extras separately.

56 policies available
From:$275.15/mo*
*For Single
View Policies
Policy Name
Type
Tier
Price*
Hospital
Extras
Medibank Gold Advantage
Combined
Gold
$275.15
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. Update profile settings ↑

Medibank Health Pricing Overview

Based on PrivateHealth.gov.au data (last updated 7 April 2026), Medibank Health's policies for Single cover start from:

Hospital Only

From:$55.25/mo*

Extras Only

From:$20.85/mo*

Combined

From:$275.15/mo*

*Prices reflect your profile: Single, NSW, Age 30, $500 excess.
Actual premiums may vary — always obtain an official quote from Medibank Health before making decisions. Update your profile ↑

Customer Reviews

Google Reviews
2.6out of 5
Based on 14 reviewsReviews sourced from Google Reviews (April 2026).

What Medibank Specialises In

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

Hospital Coverage
Gold
Comprehensive — all clinical categories
Silver
26+ clinical categories
Basic
Minimal coverage, MLS avoidance
Extras Coverage
Dental General
Optical
Physiotherapy
Chiropractic
Acupuncture
Remedial Massage
Chinese Herbal Medicine
Exercise Physiology

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

Customer Service Record & Complaints

Medibank Health competes primarily with other mid-sized insurers focused on competitive pricing and simplified product ranges. Key competitors include Medibank, Bupa, and NIB.

Average Service Record725 complaints in Oct 2024 – Sep 2025 · 99% resolved internallySource: Private Health Insurance Ombudsman (PHIO) Quarterly Reports, Q2 2024-25 to Q1 2025-26
Official PHIO Data

Based on official data from the Private Health Insurance Ombudsman (PHIO), Medibank has a Average Service Record.

6.27Complaint Rateper 1% market share
1%Investigation Rate1% required formal investigation
99%Resolution Rate99% resolved internally

Source: Private Health Insurance Ombudsman (PHIO) Quarterly Report, Q1 2025-26 (Jul–Sep 2025). Note: All health insurers receive some complaints. Lower rates indicate better service and faster internal resolution of member concerns.

Complaint breakdown

725
Complaints
27.1
Mkt Share %
99%
Resolved
Quarter-on-Quarter: down 15% (201 → 170 complaints)

Complaints per Quarter

Latest quarter
Previous quarters
147
Oct-Dec '24
207
Jan-Mar '25
201
Apr-Jun '25
170
Jul-Sep '25

Source: Private Health Insurance Ombudsman (PHIO) Quarterly Reports, Q2 2024-25 to Q1 2025-26

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

Average Service Record — complaint handling is in line with industry norms.

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

6.27
725 complaints
Medibank Health
7.36
Industry Avg

Medibank handles 27.1% of the market. Complaint rate of 6.27 vs industry average of 7.36.

Source: Private Health Insurance Ombudsman (PHIO) Quarterly Reports, Q2 2024-25 to Q1 2025-26

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 Update Q1 2025-26 (Jul–Sep 2025). Complaint data is independently collected and published by the Commonwealth Ombudsman's office. Update Frequency: Ombudsman data is updated quarterly (Jan, Apr, Jul, Oct). This page reflects the most recent publicly available PHIO data. Last updated: December 2025.

Learn how Ombudsman ratings are calculated →

Compare Medibank Health to Competitors

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

PricingCompare Medibank's premiums against other funds for similar coverage levels.
Service RecordOmbudsman complaint data from PHIO Oct 2024 – Sep 2025 shows how each fund handles member issues.
Product rangeMedibank offers 748 policies — compare the breadth of coverage options available.
Market PositionMedibank holds 27.1% market share among Australian health insurers.
MedibankMedibank
BupaBupa
HCFHCF
Policies
748
745
144
Rating
2.6/5
3.5/5
3/5
Hospital From*
$55.25/mo
$60.65/mo
$40.95/mo
Type
For-profit
For-profit
For-profit
Service
🟠 Average
🟢 Good
🔴 Poor

*For Single in NSW. Service record data from PHIO Q1 2025-26. Update profile ↑

Contact & Support

PhoneGeneral: 132331Claims: 132331Mon-Fri 8am-6pm AEST
Emailask_us@medibank.com.au
Onlinehttp://medibank.com.au
MailGPO Box 9999MelbourneVIC3001

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 7 April 2026 and may change. Always verify current information with official sources.

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