Medibank Private

Medibank Private is a leading private health insurer in Australia, with over 40 years of experience and 3.7 million customers across its Medibank and ahm brands. In addition to health insurance, Medibank also offers life, travel, and pet insurance. Medibank’s focus is on improving Australian lives by promoting better health. The insurer also offers health services in Australia such as mental health support, after-hours health support, and healthcare for Australian Defence Force personnel.

  • Medibank Private is one of Australia’s leading health insurers. Along with its brand ahm, Medibank services 3.7 million Australians.
  • Medibank Private offers six levels of hospital cover and four levels of extras cover, as well as a range of tailored packages for various life stages.
  • Members enjoy generous reward offers from health and fitness providers. They also gain access to additional resources and support through the MiHealth program.

Medibank Private offers extensive levels of hospital cover, extras cover, and tailored packages. All hospital and extras policies include unlimited emergency ambulance (conditions apply). The fund has negotiated with hospital and extras providers to create the Members’ Choice network, which provides discounted services to eligible members.

Hospital Cover

All family hospital cover includes no excess for kids, though waiting periods do apply.

  • Accident: Available to singles and couples, covers ambulance services and hospital treatment in the event of an accident..
  • Hospital Essentials: Available to singles and couples, covers accidents, minor gynaecology, and knee/shoulder reconstructions. No excess.
  • Complete Hospital: Admission for all in-hospital procedures, includes obstetrics and IVF. Choose your own excess.
  • Standard Hospital: Wide range of hospital services. Choose your own excess.
  • Top Hospital Essentials: High level of hospital cover without obstetrics and IVF. Choose your own excess.
  • Complete Hospital: Admission for all in-hospital procedures, includes obstetrics and IVF. Choose your own excess.

Extras Cover

Extras cover includes 100% back on optical up to your annual limit, as well as 100% back on an annual dental check-up at a Members’ Choice dentist. Waiting periods do apply.

  • Healthy Start Extras: Available to singles and couples, $500 combined limit on popular extras and 60% back up to annual limits for covered services at Member’s Choice providers.
  • Basic Extras: Includes general dental, optical, physio. 70% back up to annual limits for covered services at Member’s Choice providers.
  • Growing Family Extras: Includes cover for antenatal classes and pregnancy compression garments. Choose your level of cover: 60% or 70% back up to annual limits for covered services at Member’s Choice providers.
  • Top Extras: Wide range of extras including major dental and hearing aids. Choose your level of cover: 55%, 70%, or 85% back up to annual limits for covered services at Member’s Choice providers.

Tailored Packages

Medibank has designed a number of packages tailored to different life stages. You also have the option of customising a package by combining selected hospital and extras policies.

The life stages for pre-existing packages are:

  • Singles cover
  • Couples cover
  • Families cover
  • Single parents cover
  • Overseas health cover
  • Corporate cover
According to the Private Health Insurance Ombudsman (PIHO), here’s how Medibank stacks up against other funds in the industry.

  • Hospital Related Charges Covered Medibank is slightly below industry average
  • Medical Services with No Gaps Medibank is slightly below industry average
  • Medical Services with No or Known Gaps Medibank is above industry average
  • General Treatment (Extras) Covered Medibank is above industry average

*As of April, 2018

Medibank Private compared to Industry

Share of Private Health Insurance Ombudsman complaints

Reference: http://www.ombudsman.gov.au/publications/state-of-the-health-funds-report (2017 State of the Health Funds Report)

Medibank makes it easy and convenient to make a claim by offering a range of options to its members.

  • On the Spot
    The simplest way to claim is by asking your health care provider if they can process your claim in person by swiping your membership card.
  • Online
    Log in to My Medibank to claim for extras like acupuncture, orthodontics, or remedial massage. Benefits can be paid into your bank account or by cheque.
  • Medibank Mobile App
    Install the app onto your smartphone and follow the instructions under ‘Make a Claim’. Benefits can be paid into your bank account or by cheque.
  • Via Post
    For services that cannot be submitted online, like ambulance services or hospital accommodation, download the claims form from the Medibank website and submit it via post.

Medibank Private offers a generous rewards scheme with discounts on a range of health-related services and products. Members can also find resources on the fund’s website with tips and information on how to live a healthy lifestyle.

Special member offers include:

  • Link your Medibank and FlyBuys accounts to earn bonus points for health-related activities
  • 25% off selected TomTom sports products
  • Discounts on Medibank travel, pet, and life insurance
  • Member discount on Thursdays at Palace Cinemas
  • 6 month free Bronze membership to Golf Life
  • 20% off Michelle Bridges 12WBT
  • Discounts on casual gym visits with GymBetter
  • 25% off Fitbit trackers and Aria scales
  • 20% off at Motherworld
  • 15% off laser eye surgery at Vision Eye Institute
  • 20% off selected infant-feeding products from Philips Avent
  • Discounts to employees of companies enrolled in the corporate health cover program

MiHealth

Medibank’s MiHealth program is a special support service for members. Your type of cover determines which services you can access.

  • Medibank Nurse 24/7: Members with hospital cover can call the 24/7 Medibank nurse hotline at any time with health-related questions. If the nurse feels you need to see a GP, he or she will help arrange an appointment as soon as possible.
  • Online Health Hub: Online health resource for members with hospital or extras cover. The information is overseen by doctors and contains healthy recipes, videos explaining common procedures and conditions, and information on exercise and mental health.
  • Health Apps: Apps available to members with hospital or extras cover. Use Symptom Checker to identify symptoms and Energy Balancer to learn how much exercise you need to do to burn off different foods.
  • Address: GPO Box 9999, Melbourne VIC 3001
  • Phone for new members: 134 190
  • Phone for existing members: 132 331
  • Website: http://medibank.com.au
  • Twitter: @medibank