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Join & Hold Hospital & Extras Cover for 42 Days, Get 6 Weeks Free + up to 50,000 Live Better Pts + 2 & 6-Month Waiver @ Medibank

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Join & Hold Hospital & Extras Cover for 42 Days, Get 6 Weeks Free + up to 50,000 Live Better Pts + 2 & 6-Month Waiver @ Medibank
Go to Deal
containsmsg on 21/07/2025 - 12:39 medibank.com.au (2317 clicks)
Last edited 21/07/2025 - 14:58 by 1 other user
6WEEKSPLUS

Join and maintain eligible Bronze hospital and extras cover or above for 42 days and you could get 6 weeks free plus 50,000 Live Better points (couples and families) or 25,000 Live Better points (singles and single parents) to redeem on rewards like gift cards. We'll also waive 2&6 month waiting periods on extras.

Must not have held a membership with Medibank in the last 60 days. Must use direct debit.

6 weeks free terms: Must maintain direct debit and hold eligible cover for 42 consecutive days from the policy start date to get next 6 weeks free. The 6 weeks free will not be issued if you change to an ineligible cover, terminate your cover or suspend your cover during this period.

2&6 month waits waived on extras terms: 2&6 month waiting periods on extras waived. Other waiting periods apply (including 12 months on some dental services). If you're switching from another fund and you’ve used any of your current limits (at that fund), that will count towards your annual limits with us. If you've reached your limits at your previous fund you may not be able to claim straight away on extras.

Live Better points terms: Must maintain direct debit and hold eligible product for 42 consecutive days from the policy start date to receive Live Better points. The points will not be issued if you change to an ineligible cover, terminate your cover or suspend your cover during this period. Policyholder will require access to a smartphone and will need to download the My Medibank App. Policyholder will need to have registered a My Medibank account, sign up to Live Better via the My Medibank App and track any Live Better activity within 42 consecutive days from the policy start date. Policyholder must also maintain direct debit and continue to hold an eligible product for 42 consecutive days from the policy start date to receive the Live Better Points. Must be 18 years or over and have a valid Australian residential address to register for Medibank Live Better. Live Better points could take up to 10 weeks from the policy start date to be loaded to the policyholder’s Live Better account. Singles and single parents will receive 25,000 Live Better points, and families and couples will receive 50,000 Live Better points.

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Comments

  • worrierwan on 21/07/2025 - 12:51
    -2

    Anyone had any luck getting this offer as a current hospital only member?

    • YesPleaseThankYou on 21/07/2025 - 13:01

      For new members on new memberships who join and start eligible combined Bronze hospital and extras cover or above and who have not held Medibank health cover in previous 60 days (unless they are dependents coming off their parent’s cover).

    • kungfuman on 22/07/2025 - 08:46

      i will say the velocity points deal sucked I am not spending 200 bucks a month on health cover just to get 50,000 points lol.

  • hubs1982 on 21/07/2025 - 13:14
    +3

    Does anyone know if we can get blacklisted from private health insurance companies for churning between them?
    Spent 7 years with initial provider (yes I know :( ).
    Switched to Medibank earlier this year for a very similar offer (https://www.ozbargain.com.au/node/886850) and stayed for <3 months.
    Switched to Bupa and have been with them for nearly 4 months.
    Tempted to switch back to Medibank for this promo…

    • YesPleaseThankYou on 21/07/2025 - 13:18
      +2

      Firstly, let me say that is a crazy question.

      When you take up a promotional offer, you are doing exactly what the promoter wants you to do.

      Transferring from one fund to another fund is supported by legislation.

      For reasons as to why a fund can choose to not accept you as a member, or choose to terminate your membership, see each funds' fund rules, usually published on each fund's website.

      • hubs1982 on 21/07/2025 - 13:28
        +2

        Cheers, wasn't even aware that each fund have a set of fund rules…
        Done a quick check (especially section C6.2) and it looks it's all good.
        TA.

    • Azro on 21/07/2025 - 14:23
      -2

      I'm sure you need to wait 12 months from your cancellation with Medibank to be eligible again.

      • YesPleaseThankYou on 21/07/2025 - 14:33

        Oh my lord …

        Must not have held a membership with Medibank in the last 60 days.

        • Azro on 21/07/2025 - 14:43

          My bad, 12 months is the exclusion period for Velocity offer.

          • wearytraveller on 21/07/2025 - 15:25
            +2

            @Azro: To be fair to you, 60 days is a surprisingly short period. This was the first thing I checked when looking at this and I would have assumed something like 12 months off the bat.

    • kaleidoscope on 21/07/2025 - 17:02

      You cant get banned for switching funds. Just make sure you leave no gap in between otherwise your (
      LHC loading will get affected for premiums.

      • arvira on 21/07/2025 - 20:01
        +1

        You’re eligible to have up to 3 years (1094 days) after you turn 31 as days without eligible cover without impacting LHC loading. You can spread those 3 years any time after you turn 31 until your wanna pay premiums

  • Lord Ra on 21/07/2025 - 13:23
    -5

    I just want something to escape the medicare levy. Got the warning letter a few weeks ago about 31.
    We're young health family of 4.Is there a comparison site for these kinda things?

    • YesPleaseThankYou on 21/07/2025 - 13:25
      +7

      It's a pity you don't have the internet where you are … https://www.privatehealth.gov.au/

      • Lord Ra on 21/07/2025 - 23:39
        -1

        Yes please and thank you.

    • containsmsg on 21/07/2025 - 13:30
      +1

      I've started churning a bit more this year, and I'd say most private health providers (especially if you're getting the bare minimum to cover the medicare levy) offer very similar prices and coverage. The promos are also not too different, with the best value usually coming in the form of some freebie weeks on the policy.

      Ideally, you make the most out of the extras policy you take out for these promos, i.e get your free optical, dental, PBS maybe to break even.

      What separates Medibank from the others is their live better points, which, when accumulated via these promotions, can amount to $300+ a year of either policy cover, GCs, etc

      There is a cap on how many points you can get per year though, can't remember exactly what it is.

      • YesPleaseThankYou on 21/07/2025 - 13:34
        +3

        What separates Medibank from the others is their live better points, which, when accumulated via these promotions, can amount to $300+ a year of either policy cover, GCs, etc

        You will never save more by staying to earn points.

        Always churn to the next best offer.

        • containsmsg on 21/07/2025 - 13:38
          +2

          Of course, sorry if I made that unclear.

          I accumulate all of my points, use my 6 free weeks, get my half yearly dental, then churn to a new PHI assuming there is a good deal up.|

          I believe you can retain your points as long as you have held a policy within the last 6 months.

          • YesPleaseThankYou on 21/07/2025 - 13:57
            -1

            @containsmsg:

            then churn to a new PHI assuming there is a good deal up

            Cool. There's always a deal to churn to — the level of discount is all that changes.

          • Lord Ra on 21/07/2025 - 23:33

            @containsmsg: Nice, thank you!

    • tenpercent on 21/07/2025 - 15:47
      -1

      There is no getting out of the Medicare Levy unless you earn a pittance.

      The warning letter about turning 31 is regarding lifetime health cover loading. An extra 2% per year charge on top of your PHI premiums that they will slug you with if you do take up PHI in the future up to a maximum of 70% extra premium.

      I did the maths years ago and it worked out better off without PHI if your income isn't too high. The only case where it made financial sense to get PHI (assuming you don't expect to actually make use of the policy, i.e. young healthy family and have access to bulk billing GPs for rare occasions) is if you are earning a certain amount over the Medicare Levy Surcharge threshold. If the amount of MLS is greater than the cheapest junk hospital cover you can get, then it makes sense to get the junk cover.

      • YesPleaseThankYou on 21/07/2025 - 15:50
        -1

        I did the maths years ago and it worked out better off without PHI if your income isn't too high.

        You must be smarter that the government's actuaries.

        • tenpercent on 21/07/2025 - 15:56
          -1

          Yes. The actuaries assume I (and everyone else) is a median male or female of a certain age etc. Whereas I know I'm not.

          • YesPleaseThankYou on 21/07/2025 - 16:00
            -1

            @tenpercent: There are four 'if' statements in your post.

            No-one is going to beat the system with the information in your post.

            • tenpercent on 21/07/2025 - 16:44
              -1

              @YesPleaseThankYou: On the contrary, everyone who doesn't need to use a PHI hospital policy and who don't earn above the MLS threshold will benefit from waiting to pay for PHI only when they need it or when they start earning more than the MLS threshold. The additional years of premiums on an unused policy outweighs the LHC loading.

              • YesPleaseThankYou on 21/07/2025 - 16:47

                @tenpercent:

                will benefit from waiting to pay for PHI only when they need it or when they start earning more than the MLS threshold

                There's the flaw — no-one knows when they will 'need' expedited access to a hospital and related treatments.

                I don't know about you, but I don't have a crystal ball to see my future health and accidents.

                • tenpercent on 21/07/2025 - 16:57
                  -1

                  @YesPleaseThankYou:

                  I don't know about you, but I don't have a crystal ball to see my future health and accidents.

                  You don't know about me. I don't know about you either.

                  Which State or Territory are you in?

                  In my State, treatment in Emergency Departments at hospitals is 'free' for Australians with Medicare Cards.

                  • YesPleaseThankYou on 21/07/2025 - 17:01

                    @tenpercent:

                    In my State, treatment in Emergency Departments at hospitals is 'free' for Australians with Medicare Cards.

                    I think you know very well that hospital cover under private health insurance provides much more than just the emergency treatment you refer to.

                    If you can afford to serve out the 12-month waiting period for any urgent hospital cover you might need in the future, good on you. Otherwise, feel free to enjoy the sometimes years-long hospital waiting lists.

                    • tenpercent on 21/07/2025 - 17:10
                      +1

                      @YesPleaseThankYou:

                      I think you know very well that hospital cover under private health insurance provides much more than just the emergency treatment you refer to.

                      The junk cover I have to avoid MLS doesn't provide very much more than that.

                      • YesPleaseThankYou on 21/07/2025 - 17:11

                        @tenpercent:

                        The junk cover I have to avoid MLS doesn't provide very much more than that.

                        I think you also know that I was speaking generally.

                        • tenpercent on 21/07/2025 - 17:25
                          -1

                          @YesPleaseThankYou: Sure, I'll play along. I know other PHI hospital cover can cover more than just accidents.

                          But, as I aluded to before, if you're otherwise fit and healthy and don't have a family history of some kind of hereditary disease that is not a lifestyle disease then you're unlikely to make real use of PHI cover until you're 50+. That's easily 19 years of premiums to save. Even if you just hold out until you're 32 years you end up saving money overall.

                          Most people will not get a net benefit from their PHI cover, otherwise PHI companies wouldn't be making profits.

                          • YesPleaseThankYou on 21/07/2025 - 17:32
                            -1

                            @tenpercent:

                            Most people will not get a net benefit from their PHI cover, otherwise PHI companies wouldn't be making profits.

                            You discovered how insurance works!

                            I'd prefer to have peace of mind knowing that I'll be treated ASAP rather than be added to a waiting list.

                            You get 1 shot at life.

        • Crow K on 21/07/2025 - 18:21
          -1

          You must be smarter that the government's actuaries

          Well, he graduated at the top of his class from the Dunning Kruger School of Life.

      • Lord Ra on 22/07/2025 - 00:03

        Brilliant, thanks for being so helpful @tenpercent.

        Unlike the other troll.

        Yes, the LHCL is what I was referring to. Thank you for the link for the threshold. I looked at it years ago and it's time to revist and do the math that you have described.

        Glancing at it, approx $2k in premiums annually (with junk) is better than the LHCL, if we fall into that category.

        Very helpful, thanks.

    • Lord Ra on 21/07/2025 - 23:53

      To clarify, I should have added the word SURCHARGE in there.
      Medicare LEVY SURCHARGE.

  • rvsure on 21/07/2025 - 13:44
    -1

    How much are 50,000 points worth in giftcards?

    • containsmsg on 21/07/2025 - 13:47

      Roughly $500

      • JohnHowardsEyebrows on 21/07/2025 - 15:35

        $500 of the limited gift cards (Amcal, Brooks, etc). Better value can be had using the points to buy premium payments (think it's $0.008 per point, ie $400 for 50k points).

        • YesPleaseThankYou on 21/07/2025 - 15:37
          -4

          Wrong. It costs more to convert to a premium payment. That said, it may be an effective use of points for some.

          • JohnHowardsEyebrows on 21/07/2025 - 15:55
            -1

            @YesPleaseThankYou: I got $400 for my 50k points earlier this year. Has it changed?

            I'm happy for you if you have use for $500 of jelly beans.

            • YesPleaseThankYou on 21/07/2025 - 15:58
              -2

              @JohnHowardsEyebrows:

              50k points

              Could have been converted to $500 in gift cards.

              I'm sorry that your maths isn't working out.

              • JohnHowardsEyebrows on 21/07/2025 - 16:00
                +2

                @YesPleaseThankYou: Are you just pretending to be challenged? I said the 50k was $500 for the limited number of gift cards. And my maths was correct on the premium.

                You have an ego that far exceeds your abilities in life.

  • 89tnp on 21/07/2025 - 13:51

    Title should be changed?

    Join & Hold Extras Cover for 42 Days

    But you need to have hospital AND extras?

    • containsmsg on 21/07/2025 - 14:20
      +1

      Thanks, fixed it.

  • meong on 21/07/2025 - 14:04

    when does this offer end btw?

      • meong on 21/07/2025 - 14:22

        wow, such attitude.

        this was the reason i asked, cause it doesn't mention anything in the T&C.

          • meong on 21/07/2025 - 14:25
            +1

            @YesPleaseThankYou: well i was hoping someone else might know through other sources…

            no need to be condescending.

            i'm a serial churner and usually it has clearer expiry date.

  • Frozensage on 21/07/2025 - 14:16

    I'm currently with them, who is a good provider to churn to right now?

    • YesPleaseThankYou on 21/07/2025 - 14:20
      -5

      They're all 'good' as it's a regulated product and all the funds meet the minimum required standards.

      As for which fund has a good offer, see:

      Takes 15 minutes maximum.

      Hint: HBF has a good promotion at the moment.

      • containsmsg on 21/07/2025 - 14:23

        I don't think the HBF promo is really any better than most others.

        If you choose the GC (which for most is $100), you lose your waiting period waiver. And you need to wait 8 (instead of 6) weeks before you get 6 weeks free.

        • YesPleaseThankYou on 21/07/2025 - 14:25

          I don't see a gift card promotion, only 6 weeks free after a month. (I would never stay for the fill promotion for the 'up to 14 weeks free'.)

          Everyone needs to assess value for themselves.

        • Embaloo on 01/09/2025 - 19:49

          Is there any waiting period issues if youre switching from cover with the same waiting periods?

  • ronnknee on 21/07/2025 - 14:49
    -1

    Where are the ahm deals?

    • syba on 21/07/2025 - 18:15

      https://ahm.com.au/offer/8-Weeks-Free-WW-Jul-01-2025#terms
      stay 60 days and get 6 weeks free. Not as good as others, but useful if you want to take advantage of the rebate limits being based on financial year vs calendar year like the others. Current offer is until 28 Aug.

      • ronnknee on 21/07/2025 - 23:16

        Oh nice, exactly what I need. Thanks!

  • DealHuntersXD on 21/07/2025 - 15:04

    I have just maxed out the dental benefits on my current extras cover. When switching to a new provider, can I drop dental entirely and choose a different set of extras?

    Used to churn to maximize my free weeks and other promos, but haven't used it to churn and get the best out of extras yet. Just curious

    • YesPleaseThankYou on 21/07/2025 - 15:07

      I have just maxed out the dental benefits on my current extras cover. When switching to a new provider, can I drop dental entirely and choose a different set of extras?

      Typically, each fund will bundle extras into set groups. Unlike hospital cover (Gold, Silver, Bronze), there's no standardisation with extras.

      If you want more dental, switch to a fund with 1 July or policy anniversary extras reset date.

      • nightelves on 21/07/2025 - 15:46

        If you switch after 1st of July does the extra reset?

        • YesPleaseThankYou on 21/07/2025 - 15:48

          The fund resets extras on its extras reset date regardless of whether you are a member at the time.

  • Robin2012 on 21/07/2025 - 15:51

    time to switch back to Medibank

  • froddo on 21/07/2025 - 16:38

    Any other good deals if I'm already on Medibank?

  • kaleidoscope on 21/07/2025 - 17:04

    Sorry to be lazy bum. Any other good offers these days to switch from being a medibank member to?

    (Want to return to them when i’m re-eligible for this offer)

    • YesPleaseThankYou on 21/07/2025 - 17:05
      -1

      It's almost as if the post before yours doesn't ask the same thing.

      • kaleidoscope on 21/07/2025 - 17:58

        Minstrels will write songs about you.. 😂.

        p.s. that is how lazy I have been.

        • YesPleaseThankYou on 21/07/2025 - 21:24

          Minstrels will write songs about you.. 😂

          Where is this tavern?

  • David76 on 21/07/2025 - 18:05

    Should I take up this offer if I have never been in a health fund and just received a dental quote for 7 fillings costing a total of $1400?

    • kaleidoscope on 21/07/2025 - 18:57

      lol. good timing may be. just make sure your dentist is listed as first party cover under theirs, otherewise the clinic can only obtain part of the cost and you will have to pay the rest out of pocket

      • nightelves on 21/07/2025 - 20:29

        What does it mean by first party cover or members first. I see that but never know what it means. If I’m interpreting what you say does it mean the fund cover the whole cost regardless of your limit?

        • YesPleaseThankYou on 21/07/2025 - 21:23

          I have never heard of the term 'first party cover' used in the context of health insurance.

        • kaleidoscope on 22/07/2025 - 00:47

          They offer twice in a year dentist visit for clean up and regular check ups and a budget of $400 for other dental items such as filling or xrays.

          If you go through their members choice dentists you will not get charged for the former and more of extras will be covered.

          But if you go to other clinic thats not in their members choice list, you can still claim some of those but there will be a gap fee even for the clean up and the larger gap for filling.

          If i were you, i’d ask dentist to come up with a better plan around it with health fund. The quotas reset 31 december, so may be do urgent ones now and others in jan 🤷‍♂️.

          Sorry, as I’m just sharing my experience, I won’t be able to advice any further.

          • YesPleaseThankYou on 22/07/2025 - 18:36

            @kaleidoscope: And you still didn't explain what you meant by 'first party cover', the question put to you by @nightelves.

  • Embaloo on 21/07/2025 - 19:23

    How quickly can one redeem the points to claim on the cost of the insurance itself?

    As in this could equate to 6 weeks paying (42 days), then 6 weeks free then + another 6 weeks worth of premium cost if the premiums are $60/wk (6x 60 = $400)?

    The linked page says 25K points can be redeemed for $200 worth of premiums, is there a cap for premium redemption, or can do 2x $200?

    Am I interpreting that correctly?

    • containsmsg on 21/07/2025 - 19:41

      You can redeem them as soon as you receive them, which may take up to 10 weeks from the date of joining. You can do the maths from there.

  • freeb1e4me on 21/07/2025 - 19:53

    What’s the tricks/tips to churning health insurance other than making sure there are no gaps in your cover?

  • arvira on 21/07/2025 - 20:07
    -1

    Was 12 weeks free just over a week back (same 50k points). And extras wait waived too. I’m gonna wait for them to do the 100k bonus points and churn in .. Would pay my next Apple Watch I guess.

    • containsmsg on 21/07/2025 - 20:08

      It's generally 6 + 6 after a LONG stay, usually not worth it if you're churning.

      100k points would be juicy though, assuming that's 50k for a single.

    • nightelves on 21/07/2025 - 20:34

      Has there even been a 100k bonus points?

    • Embaloo on 21/07/2025 - 22:27

      12 weeks free after 42 days? What was the catch/difference? You dont have the t's & c's do you? Can't see it posted as a deal.

      Edit - found it, 6wks then another 6 wks after 15 months. That one?

      • YesPleaseThankYou on 22/07/2025 - 18:27

        12 weeks free after 42 days?

        Narrator: There was no such offer.

  • anotherone on 21/07/2025 - 20:31

    I am hospital only currently and change cover to add extras, if I join after 1 week to Medibank will my 6 months wait period waived?

    • YesPleaseThankYou on 21/07/2025 - 21:20
      -1

      What's your question, in English?

      • anotherone on 21/07/2025 - 22:33

        Let’s say I currently have hospital only cover and add extras cover for 1 week only with current fund and join after 1 week Medibank with this offer, will Medibank waive off 6 months waiting period for extras.

        • YesPleaseThankYou on 22/07/2025 - 18:34

          Let’s say I currently have hospital only cover and add extras cover for 1 week only with current fund

          What is your aim in doing this? Is it to get the waiting periods waived with Medibank?

          Like every second person in this thread, you need to read the terms:

          2&6 month waits waived on extras terms: 2&6 month waiting periods on extras waived. Other waiting periods apply (including 12 months on some dental services). If you're switching from another fund and you’ve used any of your current limits (at that fund), that will count towards your annual limits with us. If you've reached your limits at your previous fund you may not be able to claim straight away on extras.

          '2&6 month waiting periods on extras waived' — that's it — it just happens (so long as you 'Join and maintain eligible Bronze hospital and extras cover or above for 42 days').

          Getting the '2&6 month waiting periods on extras waived' is not dependent on your previous fund membership.

  • tunzafun001 on 21/07/2025 - 21:31
    -1

    Signed up with Finder for this back in June for an extra $300 giftcard. Had limited spots.. probably all gone now…maybe.

    Got to say this whole check in on the app stuff is rubbish! (need to turn on location..visit a dentist…pull your app out and check in for 1000pts). Just going to the dentist and using the app/ card should do it!

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