Medibank - Join Any Hospital+Extras Cover and Get 6 Weeks FREE + 2 & 6 Months Waiting Period Waived

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6FREE

Join eligible combined hospital & extras cover and you could enjoy six weeks free plus 2&6 months waiting periods waived on extras. New members only.

‡ Must use promo code: 6FREE

I just switched over myself as i figured offset from no premium for 6 weeks will bring down my annual premium to sweeten this deal even more.

The quote I got from Medibank was lower than my existing health insurance which is surprising because previously whenever I tried no one could beat them on premium prices.

Guess It pays you back to reevaluate.

Other benefits listed with them link above:

  • Mental Health Phone Support

    Members with hospital cover can talk with a mental health professional over the phone in relation to any mental health or emotional concern, 24 hours a day 7 days a week.

  • 24/7 Medibank Nurse

    Members with hospital cover can call our phone service to speak to a Medibank nurse about their health concerns at any time of the day or night.¹

  • Accident Cover Boost

    If you have an Accident, you'll be eligible for Gold level hospital benefits, regardless of your level of cover, thanks to our Accidental Injury Benefit.²

  • Unlimited Emergency Ambulance

    No matter which hospital or extras policy you choose, you’ll have the peace of mind that comes from knowing that your cover includes unlimited emergency ambulance.³

Referral Links

Referral: random (7)

Referrer gets $100, Referee gets 4 weeks free.

Related Stores

Medibank Private
Medibank Private

Comments

  • +26 votes

    Wast of money.

    • +8 votes

      Not if you need it for tax purposes.
      Plus if you take up offers like this you end up getting ahead vs paying the levy

      • +16 votes

        You don't need EXTRAS for tax purposes…

      •  

        When you say tax purposes, can you elaborate please. I'm guessing it's for people who are on high income?

        I to just can't see the benefit, but i'd be glad to be proven wrong.

        for example if i signed up for family at like $100 per fortnight, and everything you try to claim they don't pay for it, just a percentage? so you pay all this money and get very little in return if you do try and make a claim.

        • +3 votes

          if you earn over $90k PA i think, you need to pay the gov a 1.x% medicare levy but if you have hospital cover you don't (or you pay a smaller amount)

          if you have cancer, just early/mid stages, with private cover you can be seen more or less straight away to get it sorted. in teh public hospital you are put on a waiting list and you ONLY get to be rushed through if you are stage 4 which is terminal. that's just 1 example

          • -4 votes

            @leeroys_dad: “if you earn over $90k PA”

            Which is basically everyone on ozb these days

          •  

            @leeroys_dad: Not true. Patients are categorized as Cat 1, 2 or 3. Most cancers would be considered Cat1 so deemed urgent and get priority on the waiting list.

          •  

            @leeroys_dad: Agree but you'll die prematurely before the cancer hits after receiving the bill; as you'll be surprised that they cover very minimal expenses. (and that's with top level cover)
            Plus, you'll be doing all their work running around sorting out payments, etc as you'll get the run-around, misguided, 45 mins+ waiting on the phone to talk to a real person that can give you sound customer service/advice.

      •  

        It's a scam. cancer not covered.

        •  

          It specifically says that it is if you get bronze or above. If you already have cancer and join you'll need to wait 12 months before treatment would be covered. Otherwise it's covered after 2 months. Have you been given different information?

        • +2 votes

          What about Capricorn?

    • +1 vote

      Typical poor people comment!

  • +1 vote

    I have been with Medibank for at least 10 years now and won't change / downgrade my cover as my existing cover is no longer existed and the new policy has much less rebate though less premium (only by around $200/year). Their new policies have now combined the rebate amount for extras whilst in the past, individually.

  • +2 votes

    Another coupon for Medibank is AMCAL.
    Get 4 weeks free, 2&6 month extras waiver and $200/$400 Amcal gift card
    http://medibank.com.au/amcal

    I personally went with the Amcal offer

  • +3 votes

    https://www.canstar.com.au/health-insurance/health-insurance...

    canstar summary of April offers from all funds.

  •  

    Why do I need top hospital cover for mental health?

    I really don't understand it

  •  

    Other benefits listed with them link above:

    unlike other health funds though, they unfortunately don't provide financial benefits through the crisis.

  • +7 votes

    Who is able to use any of these services right now? Just a waste of money until 2021.

  • +18 votes

    PHI is a scam. Stop supporting the industry.

  • +1 vote

    Watched a video from FriendlyJordies about PHI, not sure how accurate it was though

    •  

      Sounds like an unbiased source…

      Do you also get your north Korea news from The Pyongyang Times?

      •  

        Yes I know it's biased but how accurate is it. Are the figures about PHI becoming more expensive but covering less true? Is going the route of PHI good for Australia? I mean it turned out so well for America…

  • +1 vote

    Is Tax Benefit the only benefit of having this insurance.

  •  

    I wonder if extras cover worth anything with this Covid situation. Are dentists, chiropractors etc. operating these days anyway?

    Can someone please shed some light?

    •  

      Dental is only essential stuff, ie: wisdom tooth impacting adjacent molar, fillings, etc.

    •  

      Since the 27th of April general dental treatments are now available (not all), prior to this it was only emergency treatments.
      https://www.ada.org.au/News-Media/News-and-Release/Latest-Ne...

      Not sure about other extras services though

    •  

      Dental is the major thing that comes with health cover, since a checkup and teeth clean is $120, so you can use it every 2months for free since nearly all health cover comes with $1000+ dental free.
      Having those coffee stains removed with a buff makes you feel a lot better and smile better.

      • +1 vote

        That is generally not true. They cover a percentage of the cost. You still have to pay out of pocket costs for the dentist

      •  

        Getting your teeth cleaned every 2 months is unnecessary and waste of time.

      •  

        You mean twice a year for free scale and clean teeth right ? Which insurance is that giving you 6 times free year ?

  • +2 votes

    Can existing customers get these discounts? Or do we have to churn (like we do for our NBN)?

  •  

    how about those who are over 50 never had health insurance do I have to pay 20% extra for 10 years…If so no thanks..

  • +1 vote

    Then get screwed when you need to claim, worst fund I've been with.

  •  

    I rang my Health Provider BUPA and demanded a reduction in premium of 11.5% (6/52 weeks) for a very similar like for like policy with a competitor. After threatening to leave if the didn’t match it, they magically managed to find a $180 refund (9% of my annual premium) which I was willing to accept. Took all of 10 mins.

    • +1 vote

      Rules for PHI stipulate you can’t offer more than 12% discount off the annual premium.

    •  

      which like / like competitor policy? i am thinking to leave BUPA…

      • +1 vote

        Does it matter? They don’t need names. Just be assertive so they know your serious about leaving.

        I play this sort of tactic on all providers that I pay money to. Some play ball and others don’t. No harm in trying.

        •  

          If they ask who the other providers as they need to compare apple with apple ? By paying it one year ahead by 31/3 every year, you have saved a lot of money. Also by going with Corporate rate, you can save up to 7-8%, depending on who you work for. I am not sure if they actually check that, just say you work for BHP or Rio Tinto, it should be the highest discount rate.

          •  

            @yht: They don’t check. I’ve been using a corporate rate attracting an 8% discount for almost a decade.

            •  

              @JoeyJoeJoe: I'd be a little concerned if you ever had to make a large claim… Like stuck in hospital for a month and their bill was 100k+… I wouldn't be surprised if they look into things a bit more then.

  • +1 vote

    I just switched from Medibank to Hunter Health (part of the Member Own Health Fund). Their hospital seems to be better & cheaper. Regarding to extra, Medibank seems to have the benefit of the Choice network so you likely to get back more from Medibank regarding to extra. Pay about $270 for family with Silver Hospital & Extra.

  •  

    nothing for existing customer?

  • +2 votes

    How do you determine what's covered in the 3/6 month waiting period vs what is 12 months?

    Okay, found it on their website: https://www.medibank.com.au/health-insurance/understanding-h...

    2 months
    - All services (including ambulance services) - except those set out below

    6 months
    - Optical bonus
    - Ultra bonus

    12 months
    -Pre-existing conditions. However, the 12 month pre-existing condition waiting period does not apply to hospital or hospital substitute treatment for psychiatric treatment, rehabilitation treatment or palliative care
    - Obstetrics-related services
    - Major dental services
    - Orthodontic treatment
    - Dental surgical procedures and surgical extractions (eg. wisdom teeth)
    - Nebulisers
    - Peak flow meters
    - Spacing devices

    24 months
    - Blood glucose monitors

    36 months
    - Hearing aids
    - Laser eye surgery

    Since the 2 month waiting period is waived if you get hurt anyway, the 3/6 waive doesn't really give you any benefit

    •  

      I was hoping to see if wisdom tooth extraction was included, shame it is not. Guess I have to look further.

  •  

    We are earning a family income of $210k and I’m aware of that the MLS is 1% (which is $2100). If I sign up for PHI with the annual premium of $3000, does the Tax payment of $2100 returned? Can someone enlighten me this please?

    • +3 votes

      What do you mean "returned"? MLS is calculated when you submit your tax return so you haven't paid it yet. Hence, there is nothing to be returned to you. Signing up just means you will pay $2,100 less tax when the tax time comes. Bear in mind, if you sign up part way through the tax year, you still have to pay MLS on the days you did not have PHI cover.

      •  

        Sorry My bad. Understood that I will pay $x less tax when the tax time comes. Does this amount will be same as the 1% that MLS counts? If so, if I choose a PHI with annual premium of $2100, effectively I’m not paying anything for my PHI, right? Thanks

        •  

          That is correct, which is why most people choose to get the cover as you at least get something tangible in return, rather than subsidising someone else's medical bill.

    •  

      You won't pay the MLS if you and all dependents have PHI. For this financial year you won't pay the MLS for the days you have PHI.

      Extras are usually not worth getting. You can compare plans here and get a better deal.
      https://www.privatehealth.gov.au/

  • +1 vote

    They're getting really desperate as everyone realises its just not worth it.

    Tax purposes?
    No. You're spending more than the Medicare levy unless it's a plan that covers nothing.

    •  

      Depending on your income.

      Sure,if you are just earning 90k and hospital policy with $900 premium per year is more likely junk policy.

      But what if you are an executive?

    •  

      When you're young maybe but as you get older and you need "elective" surgery then be prepared to wait months or years for the public system. Then you have to accept any old doctor. That elective surgery includes many common procedures.

      Plus if you wait too long to join you end up with a lifelong fee loading.

      The benefits of private hospital cover are substantial but horrendously expensive I agree.

      Extras cover is a waste, all it is good for is reducing big individual bills, you pay more though spread over time.

  •  

    Anything stopping you from joining, getting some free glasses, under the optical benefit as well as a dental check up and leaving?

  •  

    I got lied to by Medibank, I go in and ask what is my available orthodontic amount. they said $2500, so I was like ecstatic, I got full cover, I pay for the $2350 treatment and go to medibank for the claim, then they're like bad luck you got $200 because you switched over from Bupa. Worst mistake switching to Medibank, there was a reason why I changed over to Bupa. The same goes for Google and Android products.

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