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Health insurance options

Your best asset is your health and you deserve to control how it's managed.

Private health insurance means

  • You can choose your own doctor or specialist

  • Have more choice as to when you're admitted to hospital for elective surgery

Plus for your everyday needs we help pay for the healthcare essentials that Medicare generally doesn't cover, like visiting the dentist, physiotherapy or buying new prescription glasses.


Select how you would like to view our health cover options

  • Life-stage and needs
  • Hospital, Extras and Packages
  • Health cover comparison tool
  • Health cover for Singles
  • Health cover for Couples
  • Health cover for Families

What cover best suits my needs?

If you're single, with MBF, you've got on-going support for your individual health needs. You can easily find a level of health cover that suits your needs.

I'd like a cheaper, more basic level of cover

I'm fit and healthy but want cover just in case

I need cover for tax reasons

I'd like top comprehensive cover

I'm an overseas visitor

  • Overseas Health Cover

    I've come to Australia for the trip of a lifetime. But I forgot to pack one thing: quality health insurance. I need comprehensive, affordable health cover that will protect me while I'm Down Under.

    We suggest you consider


What cover best suits my needs?

As a couple, you want to make sure you're both well looked after. MBF makes it easy with a range of health cover options and preventive measures to help you stay healthy.

We'd like a cheaper, more basic level of cover

We're fit and healthy but want cover just in case

We're planning on having a baby

We'd like top comprehensive cover

We're overseas visitors

  • Overseas Health Cover

    We've come to Australia for the trip of a lifetime. But you forgot to pack one thing: quality health insurance. You need comprehensive, affordable health cover that will protect you while you're Down Under.

    We suggest you consider


What cover best suits my needs?

Our family shares a remarkable life journey. You want to make sure it is protected every step of the way. MBF will help you do so with preventive measures to help you all stay healthy, coupled with quality health cover.

We'd like a cheaper, more basic level of cover

We're planning on having a baby

I'm fit and healthy but want cover just in case

  • Family Health Cover - 3

    We've achieved a few goals and the kids are leaving school. You want a balance between broad health insurance and affordable premiums.

    We suggest you consider


I'd like top comprehensive cover

  • Family Health Cover - 4

    We want to be prepared for anything life has in store. You value the peace-of-mind that comes with having MBF's most comprehensive health cover.

    We suggest you consider


We're overseas visitors

  • Overseas Health Cover

    We've come to Australia for the trip of a lifetime. But you forgot to pack one thing: quality health insurance. You need comprehensive, affordable health cover that will protect you while you're Down Under.

    We suggest you consider


  • Hospital cover
  • Extras cover
  • All-in-one packages

Choose from all-in-one package cover or a combination of Hospital and Extras cover options to suit your needs:

All levels of MBF hospital cover help pay for in-patient hospital-related treatments where Medicare pays a benefit, providing standard conditions including waiting periods are met.

  • MBF Budget Hospital

    MBF Budget Hospital

    If you're fit, young and healthy and not planning to have children you can save with a lower premium. Excludes some services not relevant to your stage of life.

    • Pays for most in-patient hospital treatments
    • 100% cover for most government-approved surgically implanted prostheses
    • Certain therapies such as physiotherapy, occupational therapy and speech therapy when provided by the hospital
  • MBF Standard Hospital

    MBF Standard Hospital

    For the young and healthy, MBF Standard Hospital pays for most in-patient hospital treatments. Excludes some services not relevant to your stage of life.

    • Pays for most in-patient hospital treatments
    • Emergency ambulance transport
    • Cardiac and cardiac related services
  • MBF Advantage Hospital

    MBF Advantage Hospital

    If you would like hospital cover that doesn't exclude any specific services or treatments and there is no Excess or Co-payment for any children covered by your membership who are admitted to hospital.

    • Cardiac and cardiac related services
    • Cataract and eye lens proceedures
    • Renal dialysis for chronic renal failure
  • MBF Premium Hospital

    MBF Premium Hospital

    Our highest level of hospital cover. You'll receive special benefits and you won't need to pay an Excess or Co-payment for day surgery procedures.

    • Cardiac and cardiac related services
    • Joint replacement including revisions
    • Special Benefits

All levels of MBF extras cover standard services, which include: emergency ambulance transport, general dental, preventative dental, optical, physiotherapy, chiropractic, osteopathy, pharmacy, accident cover and complementary therapies.

  • MBF Young Extras

    MBF Young Extras

    Designed for the fit, young and healthy, MBF Young Extras covers a limited range of services at a very competitive premium.

    • Up to $350 back on combined general & preventative dental services
    • Up to $150 back for optical services
    • Up to $350 back for physiotherapy, chiropractic and osteopathy services combined
  • MBF Everyday Extras

    MBF Everyday Extras

    Cover for a wider range of services than MBF Young Extras. Only available in combination with MBF hospital cover.

    • No annual limit on preventative dental, up to $300 back on general dental services
    • Up to $185 back for optical services (such as frames, contact lenses)
    • Up to $200 back for complementary therapies (such as naturopathy, Feldenkrais, remedial massage etc)
  • MBF Classic Extras

    MBF Classic Extras

    Broad range of services covered, including orthodontics as well as health management aids and appliances.

    • Pays for most in-patient hospital treatments
    • Pregnancy and birth related services
    • Cardiac and cardiac related services
  • MBF Premium Extras

    MBF Premium Extras

    Our highest level of extras cover. Receive the greatest benefits overall, including cover for hearing aids.

    • Up to $800 back on major dental services, $2,000 lifetime limit on orthodontics
    • Up to $225 back for optical services combined
    • Up to $750 back for physiotherapy, chiropractic and osteopathy combined
  • MBF Choices

    MBF Choices

    Ideal for healthy young singles and couples, MBF Choices gives you great value cover for the things you may use most.

    • Hospital services such as emergency ambulance transport, removal of tonsils, wisdom teeth, appendicitis treatment
    • Combined limit of $300 for general, preventative and major dental (with special feature to increase limit if you get yearly preventative dental check-ups)
    • Flexi limits – split your optical, physiotherapy, pharmaceutical, complementary therapies services in the mix you want
  • MBF HealthSmart

    MBF HealthSmart

    For health insurance that combines hospital and extras cover in the one convenient package. Suitable for those singles or couples not planning on having children.

    • Special feature to increase dental limit if you maintain a yearly preventative dental check-up
    • Up to $750 back for selected health management aids and appliances
    • Up to $450 back on complementary therapies (such as naturopathy, Feldenkrais, remedial massage etc)

Before applying to join any of the MBF hospital or extra cover options, please ensure you read the MBF Policy Terms & Conditions [PDF, 174k].
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