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

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Medibank - Join Any Hospital+Extras Cover and Get 6 Weeks FREE + 2 & 6 Months Waiting Period Waived
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Ljetabe on 05/05/2020 - 15:01 medibank.com.au (2779 clicks)
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

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closed Comments

  • Wizard on 05/05/2020 - 15:04
    +26

    Wast of money.

    • leeroys_dad on 05/05/2020 - 15:12
      +8

      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

      • jv on 05/05/2020 - 15:31
        +16

        You don't need EXTRAS for tax purposes…

        • leeroys_dad on 05/05/2020 - 15:35

          no, but generally the better weeks free/gift card offers are for H&E policies only

        • keejoonc on 05/05/2020 - 16:32

          Basic extras are still worth having for basic dental and optical cover.

          • jv on 05/05/2020 - 17:03
            +3

            @keejoonc:

            extras are still worth having for basic dental and optical cover.

            only if you have teeth or need glasses.

            • jesseboy89 on 05/05/2020 - 17:40
              +11

              @jv: Ah yes, you're a pies fan.

        • vikvance on 05/05/2020 - 17:00

          You don't need EXTRAS for tax purposes…

          It depends on how much use them.

          I actually end up getting a lot more back from my Extras cover then I spend on premium. :-)

      • subwars on 05/05/2020 - 15:32

        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.

        • leeroys_dad on 05/05/2020 - 15:37
          +3

          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

          • FutureTech on 05/05/2020 - 15:56
            -4

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

            Which is basically everyone on ozb these days

          • Latrentis on 05/05/2020 - 17:49

            @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.

          • vinni9284 on 05/05/2020 - 19:07

            @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.

      • Wizard on 05/05/2020 - 15:50

        It's a scam. cancer not covered.

        • Miss B on 05/05/2020 - 16:06

          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?

        • Ulysses31 on 05/05/2020 - 21:39
          +2

          What about Capricorn?

    • superdarkhumour on 05/05/2020 - 19:17
      +1

      Typical poor people comment!

  • yht on 05/05/2020 - 15:06
    +1

    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.

    • leeroys_dad on 05/05/2020 - 15:14

      But what is your premium?
      Is the old policy better for you?

        • leeroys_dad on 05/05/2020 - 18:22
          +7

          Why do you bother JV?

      • yht on 06/05/2020 - 10:50

        Definitely better the old policy. My premium is around $5.5K per year.

    • lainey13 on 06/05/2020 - 10:47

      I'm still on myoptions but now looking to change..

  • leeroys_dad on 05/05/2020 - 15:11
    +2

    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

    • [Deactivated] on 05/05/2020 - 15:23

      Amcal aren't that common and tend to charge more than chemist warehouse etc

      • leeroys_dad on 05/05/2020 - 15:31
        +2

        agree, although in store they can price match so it's not too bad

        • yht on 06/05/2020 - 10:51

          Depending on the Amcal location, sometimes they can say "Sorry, can't match that price"

    • Nuggets on 06/05/2020 - 10:27

      Keep in mind you have to keep the policy for at least 65 days to get the AMCAL gift card.

      So you might end up paying for two months of cover.

  • [Deactivated] on 05/05/2020 - 15:21
    +3

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

    canstar summary of April offers from all funds.

    • jetabe on 05/05/2020 - 15:23

      interestingly it doesn't include Medibank so its not all?

      • [Deactivated] on 05/05/2020 - 15:24

        my bad

      • regenade on 05/05/2020 - 15:29
        +9

        Canstar just posts sponsored ones where they get a kickback. We are here to collect our own commissions and not to feed the trolls at Canstar

        • no not me on 05/05/2020 - 16:37
          +4

          Correct, Canstar is bullshit. You pay some massive amount (I've heard it's $1 million) and they give you their seal of approval. Canstar is a paid ad, it means nothing.

  • iamhurtin on 05/05/2020 - 15:27

    Why do I need top hospital cover for mental health?

    I really don't understand it

    • tensionday on 06/05/2020 - 07:16

      Theres an enormous difference between public and private mental health treatment

      • Oofy Doofy on 06/05/2020 - 09:24
        +1

        The difference between private and public mental healthcare can be life saving for many people.

        There are limits to the public system, which can be even worse depending on where you live.

      • iamhurtin on 06/05/2020 - 10:25

        Yeah, one's useful and one isn't

        Should be a middle option point

        Otherwise it's just exploitive and uncaring

        If you want to argue, please tell me the names of the private and public facilities you've been in.

        If you can't

  • jv on 05/05/2020 - 15:33

    Other benefits listed with them link above:

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

  • Fuzor on 05/05/2020 - 15:44
    +7

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

    • antler on 05/05/2020 - 15:46
      +1

      Good if you want to reduce your tax. Yes, you can barely use any of the extras.

  • [Deactivated] on 05/05/2020 - 15:45
    +18

    PHI is a scam. Stop supporting the industry.

    • keejoonc on 05/05/2020 - 16:41
      -7

      scam or not, it's better than paying medicare levy surcharge and not getting anything in return.

      • [Deactivated] on 05/05/2020 - 17:17

        If we abolish PHI, we abolish the extra 1% to 1.5% MLS with it.

        • keejoonc on 05/05/2020 - 17:26
          +1

          That's not going to happen anytime soon though is it? I'm all for scrapping yet another tax that punishes those who work hard to earn a living, but until that happens, I'm not going to cancel my cover in the hopes of PHI getting abolished.

        • Young gardener on 05/05/2020 - 17:43

          We are earning a family income of $210k and I’m aware of that the MLS is 1% (which is $2100). I would like to understand how PHI & MLS works If I sign up for PHI with the annual premium of $3000, does the Tax payment reduced by $2100 or a percentage of $2100? Can you enlighten me this please?

      • bulldoglikeapproach on 05/05/2020 - 18:37
        +10

        At least you're then giving the money to the government to support Medicare and public health rather than this scumbag industry.

        • keejoonc on 05/05/2020 - 19:43
          -8

          Nah. I'd rather get my dental check ups and contacts than pay more taxes than I already am.

        • nightqueen on 05/05/2020 - 21:38
          +3

          Yeah I rather pay more tax than to pay off shareholders of Medibank or nib

        • Ulysses31 on 05/05/2020 - 21:42
          -1

          This should be stickied!

    • atrorz on 05/05/2020 - 18:37
      +1

      and stop voting for the LNP that keep propping it up with taxpayer money :(

    • [Deactivated] on 05/05/2020 - 22:30
      -2

      Are you going to pay the extra tax for me when I cancel my cover?

  • [Deactivated] on 05/05/2020 - 15:59
    +1

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

    • Binchicken22 on 06/05/2020 - 06:20

      Sounds like an unbiased source…

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

      • [Deactivated] on 06/05/2020 - 09:35

        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…

  • Iluvfreebies on 05/05/2020 - 15:59
    +1

    Is Tax Benefit the only benefit of having this insurance.

    • Wizard on 05/05/2020 - 16:03
      +4

      Yes. If car crash doctor help rich or poor. O nly difference is food and bragging 5 star room.

      • Iluvfreebies on 05/05/2020 - 16:05
        +1

        thanks. No need for me.

  • [Deactivated] on 05/05/2020 - 16:04

    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?

    • sw00p on 05/05/2020 - 16:10

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

    • wangasm on 05/05/2020 - 16:27

      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

    • nephilim on 05/05/2020 - 18:35

      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.

      • tassieeagle on 05/05/2020 - 19:30
        +1

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

      • keejoonc on 05/05/2020 - 20:12

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

      • yht on 06/05/2020 - 09:52

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

  • mansonisdf on 05/05/2020 - 16:10
    +2

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

    • [Deactivated] on 05/05/2020 - 22:19

      gotta churn

  • mixo on 05/05/2020 - 16:24

    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..

  • bewade on 05/05/2020 - 16:28
    +1

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

    • FareEvader on 05/05/2020 - 22:04
      +2

      Agreed, I had a terrible experience with them.

  • JoeyJoeJoe on 05/05/2020 - 16:30

    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.

    • LittleTicket on 05/05/2020 - 16:42
      +1

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

    • reddevilpin on 05/05/2020 - 16:45

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

      • JoeyJoeJoe on 05/05/2020 - 16:47
        +1

        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.

        • yht on 05/05/2020 - 16:54

          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.

          • JoeyJoeJoe on 05/05/2020 - 17:36

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

            • Binchicken22 on 06/05/2020 - 06:34

              @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.

  • od810 on 05/05/2020 - 17:03
    +1

    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.

  • simon 84 on 05/05/2020 - 17:23

    nothing for existing customer?

    • b0b0 on 06/05/2020 - 10:03
      +1

      always the case. hence we churn

  • Dex on 05/05/2020 - 17:24
    +2

    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

    • No ONE on 05/05/2020 - 17:56

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

  • Young gardener on 05/05/2020 - 17:38

    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?

    • keejoonc on 05/05/2020 - 17:43
      +3

      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.

      • Young gardener on 05/05/2020 - 17:48

        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

        • keejoonc on 05/05/2020 - 20:14

          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.

    • Aureus on 05/05/2020 - 17:50

      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/

  • jaimex2 on 05/05/2020 - 18:31
    +1

    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.

    • victorheaven on 06/05/2020 - 00:31

      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?

    • Grok on 06/05/2020 - 10:32

      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.

  • [Deactivated] on 05/05/2020 - 18:43

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

    • [Deactivated] on 05/05/2020 - 18:44
      -1

      Seems as though some specsavers stores and some other optometrists are open

    • Aureus on 05/05/2020 - 19:00

      Doesn't look like it. You will need to pay for at least 1 month through.

  • sunnyc on 05/05/2020 - 18:48

    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.

    • radissimo on 05/05/2020 - 19:10
      +1

      "The same goes for Google and Android products"

      I am interested to hear more

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