** Waiting periods apply. Subsequent consultations will have an out of pocket cost.
^ Unlimited emergency ambulance: Waiting period applies. For ambulance attendance or transportation to a hospital where immediate medical attention is required and your condition is such that you couldn't be transported any other way. TAS and QLD have State schemes that provide ambulance services for residents of those States.
= 100% back on dental check-ups: 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.
+ Accident Cover Boost: For Accidents that occur in Australia after your cover starts. Must seek medical treatment within 7 days, and receive hospital treatment within 12 months of the Accident occurring. Excludes Private Emergency Department Benefit, hospital bonus, claims covered by third parties and our Private Room Promise. Out-of-pocket costs may apply.
# Inclusions with Members' Choice providers: Medibank has Members' Choice providers for these services. Not available in all areas.
~ Inclusions requiring referral: 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.
¥ Annual limit and 2 month waiting period applies. A health support benefit approval form must be submitted prior to receiving any eligible benefits (excluding nicotine replacement therapy).
± 100% back on optical: Excludes Healthy Living Extras. Applies to prescription glasses and select contact lenses. Some lens coatings are excluded. 6 month waiting period applies.
## 100% back on kids extras: Waiting periods apply, including 12 months for some dental services. For Child Dependants (up to 21 years) and eligible Student Dependants (up to 31 years). Members’ Choice providers not available in all areas.
∞ Annual limits apply. Counsellors must be registered with Australian Counselling Association, Psychotherapy and Counselling Federation of Australia, Australian Traditional Medicine Society. Mental Health Social Workers must hold a mental health accreditation by the Australian Association of Social Workers.
≈ Must be 16 years or over to register for Medibank Live Better rewards in the My Medibank app. 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, and be up-to-date with premium payments. 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. Please choose carefully as rewards will not be amended, cancelled, exchanged or refunded due to change of mind. Points earning activities and rewards are subject to change without prior notice and may be subject to availability. Additional terms and conditions may apply to points earning activities and rewards. See full Medibank Live Better rewards terms.
£ Sleep studies and CPAP machines: 12 month waiting period applies for sleep studies. 12 month waiting period applies for CPAP type devices. Eligibility requires overnight investigation for sleep apnoea (sleep study) for which Medicare benefit is payable and the device is purchase or hired within the 12 months following the sleep study. A maximum benefit of $500 is payable within a 5-year rolling period.
Ω No hospital excess for kids: Other out–of–pocket expenses may apply.
> Private Emergency Department Benefit: Two month waiting period applies. We'll pay a benefit up to an annual limit per membership towards any admission fee ("facility fee") charged by the Private Hospital for patients attending a Private Accident and Emergency Department. The fee amount varies by Private Hospital and does not include medical and other charges (such as charges for diagnostic imaging or pathology), so out of pocket expenses may still apply. Only available at Private Hospitals with an Accident and Emergency Department. Members will need to submit a claim to receive the benefit and may have to pay upfront.
¥¥ 24/7 Medibank Nurse & Mental Health Support: Some referred services may involve out-of-pocket costs and waiting periods may apply.
¶ Mental Health Support: Counsellors must be registered with Australian Counselling Association, Psychotherapy and Counselling Federation of Australia, Australian Traditional Medicine Society. Mental Health Social Workers must hold a mental health accreditation by the Australian Association of Social Workers. Medibank will pay benefits towards pharmacogenetic tests for all conditions. Benefits will only be paid towards pharmacogenetic tests administered in-person, or for approved home kits where supporting documentation from a medical practitioner outlining the clinical purpose is supplied.
^^ 100% back on annual flu vaccination: Benefits are payable towards the influenza vaccine only and not payable towards any other fees, including administrative fees or GP consultations. Some individuals may be eligible for free influenza vaccines under a Commonwealth or State scheme, such as the National Immunisation Program, or similar schemes. Benefits are not payable where influenza vaccines are administered under such a scheme.
ᶲ Extras only offer: For new members who join eligible Extras cover by 19 August 2026 11:59pm AET. Must not have held Medibank health cover in the previous 60 days unless coming off parent’s cover as a dependant. Must quote promo code EXTRA6WEEKS and set up direct debit when joining. Excludes combined Hospital & Extras cover, Hospital only cover, Healthy LIving Extras, Corporate covers, Ambulance cover, Overseas Visitors Health cover, Overseas Students Health cover (OSHC), Overseas Workers Health cover, ahm covers, and other selected covers. Must have Australian residence. Not available with any other offer. Not available to Medibank employees. Medibank reserves the right to amend these Terms and Conditions from time to time.
Weeks free: Must be up-to-date with premium payments and maintain your cover continuously for 42 days from cover start date to receive 6 weeks free. The first 6 weeks free will be applied to your next bill after the 42 days. The weeks free will not be issued if you change to an ineligible cover, suspend or terminate your cover during this period. Your total discount will reflect the level of eligible cover you have when the discount is applied to your bill.
2&6 month waits waived on extras: 2 & 6 month waiting periods on extras are waived, but other waiting periods may still apply to your cover. Annual limits apply. If you're switching from a different health fund, anything that you have used on your current annual limits will count towards your annual limits with us. If you've reached your limits with your previous insurer, you may not be able to claim on extras straight away.
Live Better Rewards: To receive the Live Better Rewards points, you must be up-to-date with premium payments and maintain your cover continuously for 42 days without changing to an ineligible cover, terminating, or suspending your cover during this period. Must register for a My Medibank account, sign up to Live Better in the My Medibank app, and track at least one Live Better activity during those 42 days. Must be 16 years or over to register for Live Better. You will receive 5,000 Live Better Rewards points. Points may take up to 10 weeks from your policy start date to appear in your account. These points may then be redeemed for rewards, such as gift cards. Read full Medibank Live Better terms here: https://www.medibank.com.au/livebetter/rewards/terms/
