I get 100% back

Most Medibank Extras and Packaged covers* give you up to two annual dental check-ups² at Members’ Choice Advantage dentists and up to 100% back on some optical items up to your annual limits¹ at recognized providers. Silver Plus Families and Growing Family covers can also get 100% back on extras for kids³. Find out more below.


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100% back on up to two dental check-ups every year at any Members' Choice Advantage dentists

All Medibank members with extras cover for two months or more get 100% back on up to two dental check-ups every year, including x-rays, at over 8,500 of our Members’ Choice Advantage dentist2.

100% back on optical

Up to $250 worth of value every year

Make the most of your extras cover and get 100% back on some optical items, up to your annual limit1, at almost any provider in Australia. Some services, like lens coatings, aren’t included.

Earn Live Better points with our Members Choice Advantage network

Visit selected Members’ Choice Advantage dentists and as an eligible Medibank member with extras cover, you can get rewarded with 1,000 Live Better points for your dental check-ups (up to 2 per year). You can also earn 5 Live better points for your prescription optical purchases from Specsavers as an eligible Medibank member with extras cover (in store and online) or hospital cover (in store only).^

100% back on kids extras

Looking after your family can be costly, so we provide 100% back on extras for kids on Silver Plus Families & Growing Family covers at Members’ Choice providers, up to annual limits3.

Medibank Canstar

Canstar awarded ‘Outstanding Value Insurance’ 14 years in a row

We’re proud to deliver outstanding value health insurance products designed to suit your needs. But don’t just take our word for it.

Things you should know

Not available to members on Hospital only, Ambulance only or if their cover is suspended.

6 month waiting periods applies. Some lens coatings excluded.

2 month waiting period applies. Limited to 2 dental check-ups on all extras annually. Max 2 bite-wing x-rays per check-up, where clinically needed. Not available in all areas.

Up to annual limits, waiting periods apply, including 12 months for some dental services. For child (up to 21 years) and full-time student (up to 25 years) dependants. Only at Members’ Choice providers, which are not available in some areas.

^ Dental: Maximum 2,000 points per member per calendar year. Award of points is subject to the approval of a claim for the health service. Waiting period may apply. Not available in all areas.

Points will be credited to their account only when the member registers as a Live Better Member within 6 months from the date of the receiving the health service, subject to the Medibank Live Better terms.

Must be a Medibank member with extras cover or hospital and extras cover, be up-to-date with premium payments and have signed up to Medibank Live Better with ‘My Medibank’ or have linked their MyMedibank account with their Live Better account to earn Live Better Points for receiving an eligible health service and redeem rewards. Excludes Overseas Visitor health cover, Working Visa health cover, Overseas Student Health Cover (OSHC), Ambulance only cover, ahm covers and other selected covers. See full Medibank Live Better terms.

Optical: Points cannot be earned on the cost of any services (including eye tests), on purchases paid for with a Specsavers gift card or on non-prescription goods such as non-prescription sunglasses, safety glasses, protective glasses or precision tinted lenses. All optical items offered are subject to availability and are subject to Specsavers Terms of Service and Returns & Warranty policies. For in-store purchases, you must use your Medibank membership card through HICAPS at the time of purchase to earn Live Better Points. This applies even if you have hospital only cover or have already reached your annual optical extras limit. If you have extras cover and any annual optical extras limit remaining, you will also be submitting a claim for benefits. For online purchases at https://www.specsavers.com.au/, you must submit an extras claim for prescription optical goods to earn Live Better Points. Members with hospital only cover cannot earn points for online purchases. Points will be displayed in your Live Better account within 5 business days, or once you have signed up and linked your Live Better account within 6 months, from the date of your in-store purchase or making an extras claim for online purchases. A maximum of 10,000 Live Better points can be earned per transaction. This offer may be withdrawn or changed at any time.

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