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The amount you can claim back at Members’ Choice providers, up to annual limits.
Your cover also includes
Extras cover
- Look after your day-to-day health & wellbeing with general dental, optical, physio and more
- See better value with 100% back on optical at all recognised providers
- 100% back on up to two dental check-ups every year (including bitewing x-rays) at any Members’ Choice Advantage dentist1, OR
- 100% back on an annual dental check-up & clean at any Members' Choice dentist, on top of your annual dental limit (excludes x-rays)1
| Inclusions | Annual limits per person | Waiting period |
|---|---|---|
| Claim back percentage: | 75% | |
| Claim back percentage: | ||
| N/A | 1 day | |
| $750 | 2 months | |
| $200 | 6 months | |
| $100 combined limit | 2 months | |
| $450 combined limit | 2 months | |
| 2 months | ||
| Combined limit | 2 months |
What are annual limits?
The maximum amount of benefits payable towards services, items or groups of services and/or items in a calendar year.
Switching health funds?
Benefits paid under your previous cover will be taken into account in determining the benefits payable under your Medibank cover.
What is a waiting period?
The time you need to wait before you can receive benefits for services or items listed in your cover.
When do they apply?
To new members, or when switching to a higher level of cover.
Switching funds?
If you're switching from another health fund, on similar cover, we'll recognise waiting periods already served.
Extras costs explained
Extras cover gives you money back for non-hospital services such as dental, physio, optical and more.
The amount of money you can claim back depends on the level of cover you have. Generally speaking, the higher the level of cover, the higher your annual limit and higher the percentage you can claim back. Which means more money back in your pocket.
If your extras provider isn't part of our Members' Choice network don't worry. As long as they're a Medibank recognised provider, we'll still pay a fixed amount for each service or item, up to your annual limits.
With a Member’s Choice provider, you'll receive a fixed % back on services, up to your annual limits.
- 100% back at all recognised optical retailers (some items excluded, up to your annual limit, waiting periods apply)
- 100% back on at least one dental check-up & clean at any Members’ Choice dentist (excludes x-rays, waiting periods apply)
- Access to Members’ Choice, one of the largest health provider networks in Australia, covering more than 12,000 providers. We’ve set maximum prices that these providers can charge, so you’ll avoid any surprises when the bill arrives
Supporting documents
Combine Essential Extras with hospital cover
To stay on top of your health, why not combine extras cover with your hospital cover? The packages below can help you get better day-to-day value from your health cover.
The amount you pay before Medibank contributes to your hospital costs.
Canstar awarded ‘Outstanding Value Insurance’ 12 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.
Why choose Medibank?
30 day 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).
100% optical
Join Medibank Extras today and get 100% back on optical items (up to your annual limit) at any recognised provider. Some services like lens coating are excluded and waiting periods apply.
Better health begins with better teeth
Medibank members with extras cover for 2 months or more can get 100% back on up to two dental check-ups every year, including bitewing x-rays, at any Members’ Choice Advantage dentist.¹
Request a call back
Leave your details and a Medibank expert will be in touch to take you through your options. In providing your telephone number, you consent to Medibank contacting you about health insurance.
^ Tasmania and Queensland have state schemes that cover ambulance services for residents of those States.
# Medibank has Members' Choice providers for these services. Not available in all areas.
~ 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.
+ Covers with Restricted or Excluded services will be treated as Included services where treatment is required for injuries sustained in an Accident that occurs after joining this cover. Treatment must be sought within 7 days of the Accident. Excludes claims covered by third parties such as Workcover and our Private Room Promise. Out of pockets may apply. Refer to your Cover Summary.
1 Members can claim a maximum of two 100% back dental check-ups per member, per year—either two check-ups at a Members’ Choice Advantage dentist (including up to two bitewing x-rays per check-up where required), or a first check-up at a Members’ Choice dentist (excluding x-rays) and a second check-up at a Members’ Choice Advantage dentist. These check-ups do not count towards annual limits. Waiting periods apply.
2 Limited to two dental check-ups on all extras annually. Maximum two bitewing x-rays per check-up, where clinically needed. Not available in all areas.
3 - 6 month waiting period applies. Some lens coatings excluded.
4 Some claims, like paper based, may take longer to update. If you have Visitors Health Insurance, Working Visa Health Insurance or Overseas Student Health cover, you may not be able to use all the features.
5 Gym locations may change from time to time. Not all gyms within the partner network participate in the GymBetter program. Check the GymBetter app for participating gyms.
‡ For new members on new memberships who join and start eligible extras cover from 12 June – 30 June 2019 and who have not held Medibank health cover in previous 60 days. Must set up direct debit when joining. 2&6 month waits waived on extras: 2&6 month waiting periods on extras waived. Other waiting periods apply (including 12 months on some dental services). If you’ve reached your limits from a previous fund you may not be able to claim straight away. Excludes Corporate covers, Accident Cover, Ambulance Cover, Overseas Visitors Health Insurance, Overseas Students Health Cover (OSHC), Working Visa Health Insurance, ahm covers and other selected covers. Not available with any other offer.
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