Extras insurance

  • You choose 55% or 70% back on extras Basic Extras 55 must be taken with a hospital product
  • 100% back on a yearly check-up at a Members' Choice dentist (excludes x-rays). And this doesn't count towards annual limits
  • Cover for services such as dental, optical, physio & natural therapies
  • 100% back on optical at any recognised provider up to annual limits
70% Claim Back Guaranteed percentage back on specified services provided by Medibank Members' Choice providers only up to annual limits. Services available through our Members' Choice provider network are indicated in the table with a #. Claim 70% back on the costs of included treatments at Medibank Members' Choice providers, up to annual limits. We've negotiated a capped price with Members' Choice providers, so you won't be charged more than the agreed price. If your provider is not part of our Members' Choice network, we still pay benefits up to a fixed benefit. This may be less than the provider charges, as we haven't negotiated a price with them. Generally, the higher the level of cover you choose, the higher the fixed benefit which will help reduce your out-of-pocket expenses.

Guaranteed percentage back on specified services provided by Medibank Members' Choice providers only up to annual limits. Services available through our Members' Choice provider network are indicated in the table with a #.

Extras inclusions
Included Treatments Annual limits per person An annual limit is the maximum amount of benefits Medibank will pay for particular treatments each calendar year. Generally, the more comprehensive your cover, the higher the annual limits. If you are switching, benefits that have been paid under your previous cover will be taken into account in determining the benefits payable under your Medibank cover. Waiting periods Waiting periods explained Waiting periods are the length of time you need to wait after taking out your cover before you can claim or receive benefits covered by your policy. Waiting periods apply to new members or for new services, including if you're changing to a higher level of cover. If you're switching, we'll recognise waiting periods you've already served, so you'll only need to serve any balance with us before you can claim.

Percentage Back for Children


Ambulance services

100% cover for immediate professional attention. Includes ambulance transportation when your medical condition means you can't be transported in any other way. Tasmania and Queensland have State schemes that cover ambulance services for residents of those States.


2 months

General dental#~

Includes examinations, preventative treatment, scale and clean, extractions, fillings and x-rays and surgical removal of wisdom teeth


2 months (12 months for surgical dental procedures)

Optical items#

100% back up to annual limits at any recognised provider. Includes frames, prescription lenses and repairs.


6 months

Remedial massage#

Benefits towards remedial massage treatments

Incl with Natural Therapies

2 months


Includes one-on-one and group consultations, Clinical Pilates, antenatal and hydrotherapy sessions


combined limit
2 months

Chiropractic# & Osteopathy

Benefits towards consultations with an osteopath or chiropractor


combined limit
2 months

Natural therapies

Consultations for naturopathy# and acupuncture#.
Consultations for reflexology, kinesiology, Chinese & Western herbalism, exercise physiology, shiatsu, aromatherapy, homeopathy, Bowen therapy, Alexander technique & Feldenkrais.


2 months
More details

# Medibank has Members' Choice providers for these services only. By choosing a Members' Choice provider you are guaranteed to receive the percentage back shown on the cover.
~ Some items and services may require a Referral Letter and may have a benefit replacement period. Please see the Cover Summary or Member Guide for more information.

from $7.67

Minimum pay frequency is fortnightly ($15.34)

From Sat Apr 01 00:00:00 EST 2017, this price will change to $7.95/week

Price is for singles cover in NSW and 26.791% (and, for post-1 April 2017 price, 25.934%) Australian Government Rebate. Assumes nil Lifetime Health Cover loading.

Add hospital cover

Help cover the cost of hospital treatments with hospital cover that suits you

Hospital Essentials
from $15.78

($31.56 per fortnight)

Basic Hospital
from $17.8

($35.6 per fortnight)

Standard Hospital
from $22.42

($44.84 per fortnight)

Top Hospital Essentials
from $28.77

($57.54 per fortnight)

Top Hospital
from $30.1

($60.2 per fortnight)


Cooling off period

If you're not completely happy with your cover in the first 30 days of joining, let us know and we'll transfer you to a more suitable cover or refund your premiums (as long as no claims have been made).

Get one month free plus 2&6 month waiting periods waived on extras

When you join Medibank combined Hospital & Extras by March 31*


Benefits of being a medibank member

Medibank nurse 24/7
Fast online claims
Wide range of extras
Advice for better health