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Compare Medibank health insurance

How Medibank rates for member complaints, gap cover and ambulance.

CHOICE staff
CHOICE staff

Medibank summary

Medibank was launched by the Australian government in 1976, initially as nonprofit but converting to a for-profit entity in 2009. It was privatised in 2014 and is today one of Australia's largest health funds with 3.6 million members. It also owns the AHM Health Insurance brand.

Phone: 134 190


Is Medibank nonprofit?


Does Medibank get many complaints from members?

Medibank complaints rating: Medium

When we score policies we give each fund a complaints rating, based on the number of complaints and serious disputes the Ombudsman deals with. We take into account the size of the fund, so big funds don't get automatically penalised for having more complaints. The ratings are Low, Medium and High. A Low rating is better than a High rating – it means the fund has fewer complaints and fewer serious disputes for its size.

How good is Medibank's gap cover?

A medical gap is the difference between Medicare's recommended fee and what your doctor actually charges for a treatment or service.

Health funds have agreements with particular doctors and hospitals to cover all of the gap, which are called 'no gap agreements', or part of that gap, which are called 'known gap agreements' (these will have lower out-of-pocket costs, usually less than $500).

Our graphic below displays the CHOICE gap rating, which takes into account the percentage of services where members either paid no gap or a known gap, compared to the state average.

Rating scale

  • Well above average
  • Above average
  • Average
  • Below average
  • Well below average

How many hospital agreements does Medibank have in my state?

The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you're treated. 

The table below shows how many hospital agreements Medibank has in your state compared to the fund with the highest number (the industry maximum). Note that public hospitals don't have agreements with specific funds and are generally treated as though they're agreement hospitals.

Does Medibank offer any discounts?

Discount for direct debit: None

Discount for annual prepay: None

Total discount for annual prepay via direct debit: None

Youth discounts: Offered on some Basic, Basic Plus, Bronze Plus, Silver Plus and Gold policies; these are transferable (you can transfer a discount from another fund to one of these policies).

Does Medibank offer ambulance cover?

All Medibank extras, hospital and combined policies have emergency ambulance cover.

Do you need ambulance cover?

Depending on where you live, you may not need a policy with ambulance cover. 

  • In Queensland or Tasmania, emergency ambulance services are covered by your state government. 
  • In NSW and the ACT, all hospital policies come with emergency ambulance cover – so you'll be covered with any hospital or combined policy you select. 
  • In South Australia, Victoria and the Northern Territory you can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance in your state or territory or refund at least part of the cost of the ambulance service cover. 
  • Rural WA: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance or refund at least part of the cost of the ambulance service cover. 
  • Metropolitan WA: If you want to be covered for ambulance you need to buy a health insurance policy with ambulance cover.

Does Medibank offer family policies that cover adult children?

Yes, adult children are covered up to age 21 and up to age 25 if in full-time study.

Does Medibank let you claim online or in-app?

Online claiming and app for acupuncture, chiropractic/osteopathy, psychology, dental, physiotherapy, dietetics, naturopathy, optical, orthodontics, eye and speech therapy, remedial massage.

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