Get rewarded
Getting your Live Better points is as easy as following these steps
Join Medibank
Join eligible Medibank extras only cover, and maintain cover for 42 days.
Sign up to Live Better rewards
Sign up to Live Better rewards via the My Medibank app.
Track an activity within 42 days of starting cover
Connect your wearable device or mobile health app and start auto-tracking, or track manually within the app.
Redeem your Live Better rewards points
Within 10 weeks of joining you will receive your Live Better points which you can redeem for rewards.
Why Medibank Extras?
With Extras cover, you receive a range of benefits that reduce your out of pocket expenses when you claim on non-hospital services that aren’t normally covered by Medicare – like dental, optical, physio and so much more. The types of services you will receive benefits on will depend on the extras cover you select, the waiting periods and your annual or lifetime limits.
100% back on dental check-ups twice a year
Here’s something to smile about – Medibank members with eligible extras cover get 100% back on up to two dental check-ups every year, including x-rays, at any Members’ Choice Advantage dentist.¹
100% back on optical
At Medibank we think you deserve to see the world clearly. That’s why when you join eligible Medibank extras you get 100% back on optical items at all recognised providers up to annual limits.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.^
Members' Choice Network
With over 3,600 provider practices, our Members' Choice extras network is one of the largest in Australia. Our Members’ Choice network generally offers members greater value from their Extras cover, with things such as capped fees or discounts to help reduce out-of-pocket expenses.3
Want greater flexibility & choice with your cover?
Then how about building your own extras cover with Medibank's new My Choice Extras?
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Live Better, get rewarded
You could earn up to $400 worth of rewards every year.4
You can earn points by tracking healthy actions or visiting a Members Choice Advantage dentist. And if you're an eligible Medibank member with hospital or extras, these points can go towards rewards from select partners such as adidas and THEICONIC, as well as select Apple products, extras limit increases or a $200 premium payment.≈
Awarded Outstanding Value Health Insurance 17 years running
We're proud to deliver award-winning health insurance products, but don't just take our word for it. Canstar have awarded Medibank an outstanding value award for health insurance in Australia for the 17th year in a row.
Combine extras with hospital cover
To stay on top of your health, why not combine your extras cover with hospital cover?
We have a range of hospital covers to suit your health needs, and a great offer to get you started.
Things you should know
1 Eligible members on Medibank extras (excluding Healthy Living Extras and Gold Ultra Health) can claim a maximum of two 100% back dental check-ups per member, per year at a Members’ Choice Advantage provider (including bitewing x-rays where clinically required). For members on eligible extras, the first two check-ups do not count towards your annual limit. Members with Healthy Living Extras can get 100% back on one dental check-up each year at a Members’ Choice Advantage provider (including up to two bitewing x-rays, where clinically required) or at a Members’ Choice provider (excluding x-rays). Members with Gold Ultra Health can get 100% back on up to three dental check-ups at a Members’ Choice or Members’ Choice Advantage provider. Members’ Choice and Members’ Choice Advantage providers are not available in all areas. Two month waiting period applies.Some products may have other dental benefits, check your cover summary for details.
2 Excludes Healthy Living Extras and select products that are no longer available for sale (for more information check your cover summary or check this page). Applies to prescription glasses and select contact lenses. Some glasses lens coatings and contact lenses are excluded. To find which specific items are included or excluded, call us on 132 331. 6 month waiting period applies.
3 Members’ Choice providers are not available in all areas and may change without notice.
4 Medibank Live Better Challenges & Goals Earning Policy: The participant of a Medibank Live Better Challenge or Goal may not receive Live Better points or may have their already credited Live Better points reversed in accordance with the Medibank Live Better terms and conditions. To earn Live Better points, the participant needs to properly complete 100% of the eligible Challenge according to the instructions. The number of Live Better points available for Medibank Live Better Challenges and Goals is subject to change without prior notice. The maximum number of Live Better points that each Medibank Live Better member can earn from successfully completing health and wellbeing Challenges, Goals or any Onboarding action in a calendar year is 40,000 Live Better points. To the extent of any inconsistency between this Policy and the Medibank Live Better terms and conditions, the terms and conditions will take precedence.
^ Waiting period applies. For ambulance attendance or transportation to a hospital where immediate professional attention is required and your medical condition is such that your couldn't be transported any other way. Tasmania and Queensland have State schemes to cover ambulance services for residents of those States.
≈ Must be 16 years or over to register for Medibank Live Better rewards. Some program partners and earning activities require a person to be at least 18 years of age to be eligible to earn and/or redeem a reward. Must be a Medibank member with hospital cover, extras cover, or hospital and extras cover, be up-to-date with premium payments and have signed up to Medibank Live Better rewards in the My Medibank app to earn Live Better points for eligible purchases and redeem rewards. Excludes Overseas Student Health Cover (OSHC), Ambulance only cover, ahm covers and other selected covers. Live Better Management Pty Ltd, ACN 003 457 289 has entered into commercial arrangements with Medibank Live Better program partners and may receive commissions. Additional terms and conditions may apply to points earning activities and rewards. Points earning activities and rewards are subject to change and may be subject to availability. Wherever possible, we will give you notice of these changes. See full Medibank Live Better rewards terms.
ᶲ For new members on new memberships who join and maintain eligible extras cover from 1 May 2025 – 30 June 2025 and who have not held Medibank health cover in previous 60 days (unless they are a dependent coming off their parent’s cover). Must quote promo code EXTRA8WEEKS and set up direct debit when joining. Eligible extras cover means Medibank standalone extras policies, excluding Healthy Living Extras. Offer does not apply to combined Hospital & Extras covers, Corporate covers, Hospital Cover, Accident Cover, Ambulance Cover, Overseas Visitors Health Insurance, Overseas Students Health Cover (OSHC), Overseas Workers Health cover, ahm covers and other selected covers. Not available to Medibank employees. Not available with any other offer. Medibank reserves the right to amend these Terms and Conditions from time to time.
8 weeks free terms: Must set up direct debit when joining and hold eligible cover for 42 consecutive days from the policy start date to get initial 6 weeks free, and for 14 consecutive months to receive subsequent 2 weeks free. The initial 6 weeks free will be applied at the next billing cycle after you have held eligible cover for 42 consecutive days. The subsequent 2 weeks free will be applied at the next billing cycle after you have held eligible cover for 14 months. The initial 6 weeks free and/or the subsequent 2 weeks free will not be issued if you change to an ineligible cover, terminate your cover or suspend your cover during this period. Discounted amount to reflect level of eligible cover at time of discount.
2&6 month waits waived on extras terms: 2&6 month waiting periods on extras waived. Other waiting periods apply (including 12 months on some dental services). If you're switching from another fund and you've used any of your current limits (at that fund), that will count towards your annual limits with us. If you’ve reached your limits at your previous fund, you may not be able to claim straight away on extras.
Live Better rewards points terms: Must maintain direct debit and hold eligible Extras cover for 42 consecutive days after the policy start date to receive 5,000 Live Better points (which may be redeemed for up to $50 in gift cards). If you change to an ineligible cover during this period, or you terminate or suspend your cover, the Live Better points will not be issued. Policyholder will require access to a smartphone and will need to download the My Medibank app. Policyholder will need to have registered a My Medibank account, sign up to Live Better rewards via the My Medibank app and track a Live Better activity within 42 consecutive days from the policy start date. Must be 16 years or over to register for Medibank Live Better. Live Better points could take up to 10 weeks from the policy start date to be loaded to the policyholder’s Live Better account.
Live Better rewards terms: Must be a Medibank member with eligible hospital cover, 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’ and have linked their My Medibank account with their Live Better account to redeem rewards. Additional terms and conditions may apply to the redemption of a reward depending on the type of reward chosen. Read full Medibank Live Better terms here: https://www.medibank.com.au/livebetter/rewards/terms/