Prices below are based on

This is used to calculate any Australian Government Rebate (AGR) you may be entitled to.If you’re unsure how to calculate your income, this ATO calculator can help.


We can help - Leave your details and a Medibank expert will contact you to help you find the right cover. In providing your telephone number, you consent to Medibank contacting you about health insurance.

My Choice Extras Core

The foundation for every Medibank My Choice Extras cover, Core includes the services most of our members rely on for day-to-day health and wellbeing.

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My Choice Extras Core

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The amount you can claim back at Members’ Choice providers, up to annual limits. Fixed amounts apply at non-Members’ Choice providers, up to annual limits.

Extras only offer - Want up to 8 weeks free plus a $50 gift card?

Join and maintain eligible Medibank extras cover and you could get 6 weeks free after your first consecutive 42 days, and another 2 weeks free in month 15. Plus, you could get 5,000 Live Better points ($50 gift card) when you join Live Better rewards and track an activity in the My Medibank app. We'll also waive your 2&6 month waiting periods on extras. Use promo code: EXTRA8WEEKS. New members only. Offer ends 30 June 2024.ᶲ

Extras only offer

Your cover also includes

Extras cover

  • You choose the cover to suit your budget and lifestyle - 60% or 75% back from Members' Choice Providers.
  • Cover for the extras services for day-to-day health and wellbeing.
  • 100% back for kids at Members' Choice providers, up to annual limits.##
  • 100% back on annual flu vaccinations up to annual limits.^^
12 months for surgical dental procedures
Combined limit: Optical & Eye Therapy
Combined limit: Optical & Eye Therapy
Combined limit: Mental health support & Prescription pharmaceuticals (non-PBS) and Flu vaccinations
Combined limit: Mental health support & Prescription pharmaceuticals (non-PBS) and Flu vaccinations
Inclusions Annual limits per person Icon help Waiting period Icon help
Claim back percentage: 60% 75%
Claim back percentage:
N/A N/A 1 day
2 months
$400 $750 2 months Icon help
$350 $450 12 months
$150 combined limit Icon help $200 combined limit Icon help 6 months
2 months
$200 combined limit Icon help $400 combined limit Icon help Nil
2 months
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.                 


Combine My Choice Extras Core with Hospital cover

To stay on top of your health, why not combine Hospital cover with your Extras cover? The covers below can help you get better day-to-day value from your health cover.

Medibank Basic Plus Healthy Start

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Hospital Cover designed to meet the needs of the young and healthy. Includes procedures for joint reconstructions (things like knees and shoulders), dental surgery and hernia and appendix.

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Hospital

$750 excess

  • Cover for things young people may need, like joint reconstructions and Dental surgery
  • Rest assured you'll receive the benefits of our gold level of hospital cover in the event of an Accident⁺
  • Unlimited Emergency Ambulance Australia-wide^

Medibank Bronze Everyday

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Cost-effective hospital cover for a wide range of procedures that includes endoscopies and chemotherapy.

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Hospital

$750 excess

  • Rest assured you'll receive the benefits of our gold level of Hospital cover in the event of an Accident⁺
  • Cover for a wide range of hospital procedures and investigations
  • Better value for families with no hospital excess for kids on a family membership

Medibank Bronze Plus Progress

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Hospital cover that includes a wide range of common procedures, including back, neck & spine and chemotherapy.

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Hospital

$750 excess

  • Cover for a wide range of hospital procedures and investigations including treatment for Back Neck and Spine
  • Rest assured you'll receive the benefits of our gold level of Hospital cover in the event of an Accident⁺
  • Better value for families with no hospital excess for kids on a family membership

Medibank Bronze Plus Assured

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Our most comprehensive Bronze hospital cover.

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Hospital

$750 excess

  • Cover for a wide range of hospital services including plastic and reconstructive surgery
  • Rest assured you'll receive the benefits of our gold level of Hospital cover in the event of an Accident⁺
  • Better value for families with no hospital excess for kids on a family membership

Medibank Silver Plus Core

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Entry to Silver hospital includes additional hospital services such as heart & vascular, lung & chest and more.

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Hospital

$750 excess

  • Benefits towards a wide-range of Hospital services, including heart & vascular.
  • Eligible members can access heart health programs delivered by a team of health professionals.
  • Benefits towards sleep studies and CPAP machines to support sleep apnoea.£
  • No hospital excess for all kids included on a family membership.Ω

Medibank Silver Plus Support

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Providing cover towards a wide range of services including heart & vascular, rehabilitation and more.

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Hospital

$750 excess

  • Everything included on Silver Plus Core with the addition of a $300 Private Emergency Department Benefit> per membership each year and benefits towards Insulin Pumps, Pain Management with a Device and Rehabilitation.
  • This cover can also support you with Unlimited Emergency Ambulance^, 24/7 Medibank Nurse Phone Support¥¥, and no hospital excess for kids on a family membership.Ω

Medibank Silver Plus Secure

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Comprehensive hospital cover to support your body as it gets older, including joint replacements, heart & vascular, and cataracts.

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Hospital

$750 excess

  • One of our highest levels of cover, including services you may need to support your health as you get older, such as cataracts and joint replacements.
  • The only services this cover does not include are assisted reproductive services, weight loss surgery and pregnancy and birth with restrictions to hospital psychiatric services.
  • Want more options during an emergency? This cover includes a $400 Private Emergency Department Benefit per membership each year.>

Medibank Gold Protect

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Our top-level Hospital cover that includes pregnancy and birth, assisted reproductive services, weight loss surgery and more.

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Hospital

$750 excess

  • Benefits towards all in-Hospital procedures that receive a Medicare rebate including pregnancy and birth and assisted reproductive services.
  • Also includes weight loss surgery and Hospital psychiatric services.
  • Want more options during an emergency? This cover includes a $500 Private Emergency Department Benefit per membership per year.>

The amount you pay before Medibank contributes to your hospital costs.

Awarded Outstanding Value Health Insurance 16 years running

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?

Mental health support - Psychology & Counselling

You shouldn’t have to wait to claim for mental health support. That’s why there are no waiting periods on counselling and psychology consultations on Medibank extras and packaged products.

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100% back on dental check-ups twice a year on eligible extras1

With eligible extras cover you get 100% back on up to two check-ups each year at a Members’ Choice Advantage Dentist (including bitewing x-rays where clinically required).1

Medibank Live Better

Medibank cares about the health and wellbeing for all Australians. That’s why we’ve created Live Better, to help you towards a better, healthier life, and reward eligible members for their loyalty.

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).

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.

= 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.

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. For Gold hospital covers, Accidental Injury Benefit is not required because all clinical categories are Included, regardless of whether or not the treatment is required as a result of an Accident.

# 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.

Annual limits apply. Counsellors must be registered with Australian Counselling Association or Psychotherapy and Counselling Federation of Australia or Australian Traditional Medicine Society.

± 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.

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.

## Waiting periods apply, including 12 months for some dental services. Applies to Child and Student Dependants only, up to annual limits. Members' Choice providers not available in all areas.

^^ Waiting period applies.

 Must be 18 years or over and have a valid Australian residential address to register for Medibank Live Better. 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 with ‘My Medibank’ or have linked their My Medibank account with their Live Better account to redeem rewards. Excludes Overseas Student Health Cover (OSHC), Ambulance only cover, ahm covers and other selected covers. Additional terms and conditions may apply to the redemption of a reward depending on the type of reward chosen. See full Medibank Live Better terms.

£ 12 month waiting period applies for CPAP type devices.

Ω Other out–of–pocket expenses may apply.

¥¥ OSHC members should call the Student Health & Support Line on 1800 887 283.

> 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.

ᶲFor new members on new memberships who join and maintain eligible extras cover from 4 June – 30 June 2024 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.

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 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 MyMedibank 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/