Cancellation service #1 in New Zealand
Dear Sir or Madam,
I hereby notify you of my decision to terminate the contract relating to the Medibank service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Cancel Medibank: Step-by-Step Guide
What is Medibank
Overview
Medibank is an Australian private health insurer that also provides travel and overseas student cover used by New Zealand residents and visitors. It offers a range of health and travel insurance products and online account services.
How Medibank serves New Zealand customers
Medibank’s general membership policies (such as cooling-off and pro‑rata refunds) apply to customers regardless of location, but specific New Zealand app or store cancellation instructions were not found in public FAQs.
For authoritative details, Medibank’s membership pages are the primary source: Medibank - Cancelling membership.
How to cancel Medibank
Who can cancel
Only the policy holder can cancel a Medibank policy.
Someone else may cancel on your behalf if they hold a third‑party Authority Form allowing them to act for you.
Step-by-step cancellation
- Confirm you are within the 30‑day cooling‑off period and have made no claims if you want a full refund.
- Decide how you will contact Medibank: phone, online account, or post. (No NZ/app‑specific cancellation instructions were located in public FAQs.)
- If cancelling by post, send a signed cancellation request to: Medibank, GPO BOX 9999, Wellington, New Zealand.
- If someone is cancelling for you, include a completed Authority Form with identification details.
- Keep a copy of your cancellation request and any confirmation from Medibank for your records.
What happens when you cancel
Access and cover end date
Your cover stops from the cancellation date specified by Medibank, or from the date Medibank processes your request.
If a claim has been lodged for a period you are requesting a refund for, that month(s) may be treated as non‑refundable.
Renewal and records
Cancelling may mean fresh waiting periods apply if you later re‑join the same or similar cover. This can affect coverage for pre‑existing conditions.
Medibank retains membership records and will provide confirmation of cancellation; keep this in case of disputes.
Will I get a refund?
Cooling‑off refunds
If you cancel within the 30‑day cooling‑off period and have not made any claims, you are generally eligible for a full refund of premiums paid.
Reference: Medibank’s cooling‑off guidance: Medibank - Cancelling membership.
Refunds after cooling‑off
- After 30 days you can still cancel and receive a pro‑rata refund for unused future premiums.
- Months during which claims were made are typically non‑refundable.
- An administration fee (typical estimate around NZD/AUD 30) may be deducted from refunds.
- Source summary on refunds and fees: ajust.com.au - Medibank refunds.
Medibank plans and pricing
Plan categories
Medibank offers a range of health and travel insurance plans including hospital, extras, combined packages, and overseas student health cover (OSHC).
Exact New Zealand pricing for app subscriptions or Medibank plans in 2024/2025 was not available in public sources.
Pricing table
| Plan | Price (NZ$) | Notes |
|---|---|---|
| Hospital cover | Varies | Pricing depends on level of cover and location. |
| Extras (ancillary) | Varies | Includes dental, physio, optical - limits and benefits vary. |
| Combined hospital + extras | Varies | Bundled discounts possible; check product pages for specifics. |
| Travel / OSHC | Varies | Short‑term travel and student covers have separate pricing structures. |
Your consumer rights in New Zealand
Cooling‑off and refunds
You have a 30‑day cooling‑off right with Medibank where a full refund is usually available if no claims were made.
After cooling‑off, pro‑rata refunds may apply for unused premiums, subject to deductions for claimed months and admin fees.
Local consumer support
New Zealand consumer protections and advice services (for example, local Citizens Advice or consumer advocacy bodies) can assist if you believe your cancellation or refund was handled unfairly.
If you cannot resolve a dispute with Medibank, consider seeking independent consumer advice from a New Zealand consumer organisation.
Customer experiences
Positive feedback
Many customers report helpful, patient and knowledgeable Medibank staff when dealing with claims and membership questions.
Users often note smooth hospital claim handling and direct billing that minimises out‑of‑pocket costs. See customer reviews: Trustpilot - Medibank NZ reviews.
Negative feedback
Common complaints include slow or confusing claim processing and difficulty navigating the website or app.
Some customers report disappointing claim payouts relative to premiums, unclear pre‑existing condition assessments, or perceived mis‑information about specific items of cover.
Documentation checklist
Identification and policy details
- Policy number and full name of the policy holder.
- Proof of identity (e.g., passport or driver licence) if required.
Cancellation paperwork
- Signed cancellation request stating the desired cancellation date.
- Authority Form if a third party is cancelling on the policy holder’s behalf.
- Copies of any correspondence with Medibank and confirmation numbers.
Common mistakes
Missing authority or signatures
A frequent error is having someone other than the policy holder request cancellation without a completed Authority Form. This delays processing and may lead to rejection.
Assuming immediate refunds or no fees
Another common mistake is assuming refunds are automatic and full. Outside the 30‑day cooling‑off period, refunds are pro‑rata and may incur an administration fee and non‑refundable months where claims were made.
Comparative recap
Key items compared
The table below summarizes the main practical points about cancelling Medibank and what to expect.
Quick reference table
| Topic | Quick answer | Notes |
|---|---|---|
| Cooling‑off period | 30 days | Full refund if no claims made within 30 days. |
| Refunds after 30 days | Pro‑rata | Non‑refundable months with claims; admin fee may apply (approx NZD/AUD 30). |
| Who can cancel | Policy holder or authorised person | Third parties must provide an Authority Form. |
| Rejoining | May incur waiting periods | Re‑joining similar cover can restart waiting periods for some conditions. |
| App/store cancellations | No NZ‑specific instructions found | Follow Medibank’s general membership cancellation guidance or contact support. |
After cancelling
What to keep and check
Keep your cancellation confirmation and any refund details. Verify the final account statement shows the correct refund or balance owing.
If you have ongoing healthcare appointments, check how cancellation affects billing or direct‑billing arrangements with providers.
Helpful links and contacts
Medibank cancellation information: https://www.medibank.com.au/health-insurance/cancelling-membership/
Summary on refunds and typical fees: ajust.com.au - Medibank refunds
Customer reviews and experiences: Trustpilot - Medibank NZ reviews
Address
Mailing address for cancellations (New Zealand)
Medibank
GPO BOX 9999
Wellington, New Zealand
Notes about postal cancellations
Posting a signed cancellation to the address above is a standard method for customers in New Zealand who prefer mail.
Always include your policy number, contact details and, if applicable, an Authority Form when someone else is acting for you.
Similar cancellation services
FAQ
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.