New members only.
Including a wide range of Extras services – from the daily essentials to more specific services for those who may need extra support for better health.
For joins completed online, cover payments must be fortnightly at a minimum. We'll update the selected pricing for this cover from weekly to fortnightly.
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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.
New joins who maintain eligible Extras cover can get:
Offer ends 19 August 2026. T&C's apply.ᶲ
Health support benefits are for certain services recommended by a health practitioner intended to manage an existing health condition. Medibank approved Health support benefits include quit smoking programs, nicotine replacement therapy, exercise classes, gym memberships, personal trainers and weight management programs.
See the world clearly with 100% back on optical items at all recognised providers up to annual limits. 6 month waiting period applies.±
Here’s something to smile about – 100% back on up to two dental check-ups a year including bitewing x-rays where clinically required. Members’ Choice Advantage providers are not available in all areas. 2 month waiting period applies.=
| Inclusions | Annual limits per person | Waiting period | |
|---|---|---|---|
| Claim back percentages at Members' Choice Providers where available: | 60% | 75% | |
| Claim back percentages at Members' Choice Providers where available: | |||
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100% cover for immediate professional attention. Includes ambulance transportation when your medical condition means you can not be transported in any other way. Annual limits per person : No annual limit No annual limit Waiting period : 1 day |
No annual limit | No annual limit | 1 day |
|
Members on this product may be eligible for 100% back on a dental check up at a Members' Choice Advantage dentist each calendar year. Check your cover summary to see if your product has any additional dental check ups, or other dental offerings. Annual limits per person : 100% back on up to 2 dental check-ups 100% back on up to 2 dental check-ups Waiting period : 2 months |
100% back on up to 2 dental check-ups | 100% back on up to 2 dental check-ups | 2 months |
|
Includes examinations, preventative treatment, scale and clean, extractions, fillings, x-rays, and surgery to remove wisdom teeth (excludes hospital charges).
Annual limits per person : $600 No annual limit Waiting period : 2 months |
$600 | No annual limit | 2 months |
|
Includes services such as root canal, periodontics, crowns, dentures, bridges and veneers.
Annual limits per person : $700 $1,000 Waiting period : 12 months |
$700 | $1,000 | 12 months |
|
100% back on eligible items up to annual limits at all recognised providers. Includes prescription glasses and contact lenses. Some items, such as lens coatings, are excluded.
Annual limits per person : $200 combined limit $225 combined limit Waiting period : 6 months |
$200 combined limit | $225 combined limit | 6 months |
|
Study and treatment of vision problems due to defects in the eye muscles (such as a squint or a lazy eye) or harmful visual habits. Used to treat eye strain, vision-induced headaches, cross-eyes or double vision. Therapy involves eye exercises and treatment to correct the alignment of the eyes. Benefits are paid towards consultations with a recognised orthoptist (eye therapist).
Annual limits per person : Included With Optical# Included WithOptical# Waiting period : 2 months |
2 months | ||
|
Consultations with a recognised psychologist, counsellor or mental health social worker only. Includes benefits towards pharmacogenetic testing for all conditions. Annual limits per person : $200 combined limit $400 combined limit Waiting period : Nil |
$200 combined limit | $400 combined limit | Nil |
|
Includes most prescription-only items not subsidised by the Government. Benefits will be paid after a set charge has been deducted. It's important to note that we don't pay benefits for oral contraceptives or for pharmaceuticals prescribed for cosmetic purposes.
Annual limits per person : Included With Mental health support¶ Included WithMental health support¶ Waiting period : 2 months |
2 months | ||
|
100% back on annual flu vaccinations up to the annual limit. Annual limits per person : Included With Mental health support¶ Included WithMental health support¶ Waiting period : 2 months |
2 months | ||
|
Includes one-on-one and group consultations, clinical pilates, antenatal and hydrotherapy sessions.
Annual limits per person : $500 combined limit $600 combined limit Waiting period : 2 months |
$500 combined limit | $600 combined limit | 2 months |
|
Benefits paid towards consultations with a chiropractor or osteopath.
Annual limits per person : Included With Physiotherapy# Included WithPhysiotherapy# Waiting period : 2 months |
2 months | ||
|
Exercise physiology is evidence based movement, physical activity, and exercise-based interventions aimed to facilitate and optimise health status, function, recovery, and independence for people across the full health spectrum. Annual limits per person : Included With Physiotherapy# Included WithPhysiotherapy# Waiting period : 2 months |
2 months | ||
|
Acupuncture is the insertion of fine, sterile, single use, disposable needles into specific acupuncture points balancing the body’s energy pathways (meridians) to maintain wellbeing. Chinese medicine treatment can include Chinese herbal medicine and acupuncture. Chinese herbal medicine takes a holistic approach to disease and prophylactic care through the prescription of individualised Chinese herbal formulas. Annual limits per person : Included With Physiotherapy# Included WithPhysiotherapy# Waiting period : 2 months |
2 months | ||
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Remedial massage is the systematic assessment and treatment of the muscles, tendons, ligaments and connective tissues of the body to assist in rehabilitation, pain and injury management. Myotherapy provides evidence-informed assessment, treatment and rehabilitation of pain associated with musculoskeletal conditions. Annual limits per person : $150 $200 Waiting period : 2 months |
$150 | $200 | 2 months |
|
Peak flow meters, nebulisers and spacing devices only.
Annual limits per person : $400 combined limit $600 combined limit Waiting period : 12 months |
$400 combined limit | $600 combined limit | 12 months |
|
Benefits paid towards the cost of blood glucose and blood pressure monitors
Annual limits per person : Included With Breathing appliances~ Included WithBreathing appliances~ Waiting period : 24 months |
24 months | ||
|
Includes insulin delivery pens, pressure therapy garments, braces, splints, orthoses, post-mastectomy brassieres and external mammary prostheses/breast forms.
Annual limits per person : Included With Breathing appliances~ Included WithBreathing appliances~ Waiting period : 2 months |
2 months | ||
|
This may include bone density tests, MRIs, retinal scans and bowel cancer screening tests, where no Medicare benefit is payable.
Annual limits per person : Included With Breathing appliances~ Included WithBreathing appliances~ Waiting period : 2 months |
2 months | ||
|
Dietetics involves using nutritional principles to promote good health through proper eating and development of modified diets. We pay benefits towards consultations with a recognised dietitian.
Annual limits per person : Included With Breathing appliances~ Included WithBreathing appliances~ Waiting period : 2 months |
2 months | ||
|
Benefits towards membership of health bodies including Arthritis Australia, Coeliac Australia, Diabetes Australia and others.
Annual limits per person : Included With Breathing appliances~ Included WithBreathing appliances~ Waiting period : 2 months |
2 months | ||
|
Benefits paid towards the cost of a hearing aid.
Annual limits per person : $400 $800 Waiting period : 36 months |
$400 | $800 | 36 months |
|
Health support benefits are for certain services recommended by a health practitioner intended to manage an existing health condition. Medibank approved Health support benefits include quit smoking programs, nicotine replacement therapy, exercise classes, gym memberships, personal trainers and weight management programs. Annual limits per person : $150 $200 Waiting period : 2 months |
$150 | $200 | 2 months |
|
Diagnosis, treatment and prevention of conditions affecting the toe, foot and ankle to help with good foot hygiene and posture. We pay benefits towards consultations and approved orthotics.
Annual limits per person : $200 $300 Waiting period : 2 months |
$200 | $300 | 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 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.
With a Members' Choice provider, you'll receive a fixed % back on services, up to your annual limits.
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.
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 Accident and Ambulance
Youth Discount applied
Youth Discount not available
Basic Hospital cover with minimal inclusions that aim to support you during an accident or emergency.
Add cover$750 excess
Youth Discount applied
Youth Discount not available
Hospital cover tailored for the young and healthy with inclusions like gynaecology and joint reconstruction.
Add cover$750 excess
Youth Discount applied
Youth Discount not available
Wallet-friendly Hospital cover that can help you feel protected and support your active lifestyle.
Add cover$750 excess
Youth Discount applied
Youth Discount not available
Value-seekers’ Hospital cover with services to help support your family’s health and wellbeing.
Add cover$750 excess
Youth Discount applied
Youth Discount not available
Mid-level Hospital cover with common hospital services and access to tailored health programs if you’re eligible.
Add cover$750 excess
Youth Discount applied
Youth Discount not available
Quality Hospital cover with a wide range of services that may offer more options during an accident or emergency.
Add cover$750 excess
Youth Discount applied
Youth Discount not available
Comprehensive Hospital cover to support your body as it gets older including joint replacements, cataracts and more.
Add cover$750 excess
Youth Discount applied
Youth Discount not available
Get the confidence of knowing you have our top-level Hospital cover with comprehensive in-hospital services.
Add cover$750 excess
The amount you pay before Medibank contributes to your hospital costs.
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 18th year in a row.
No waiting periods on psychology and counselling consultations
If you’re a new member or have upgraded your cover recently to include mental health support, we’ll pay benefits towards consultations with psychologists, Medibank-recognised counsellors and mental health social workers without the need to serve waiting periods.∞
100% back on dental check-ups twice a year on eligible extras=
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).=
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).
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.
ᶲ For full Extras only offer Terms, Conditions and Exclusions, click here.
^ 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.
¥ Health support benefits: 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.
^^ 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.
¶ 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.
** Waiting periods apply. Subsequent consultations will have an out of pocket cost.
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.
We'll have someone call you soon to help with any questions you have.
Complete this form to express your interest in one of our programs. If you're eligible, a member of our team will call you within 2-3 business days.
What program are you interested in?
Sorry, only members with current Hospital cover are eligible to participate in these programs
Eligible Medibank members with Extras cover are able to access a range of telehealth services included on their cover - you can find out more here. Alternatively, if you would like to talk to one of our team about your cover, we're here on 132 331.
Please provide your details so we can know how to contact you.
By clicking Submit, I understand that Medibank or its subsidiaries may contact me to discuss my eligibility for the Covid-19 Heath Assist program(s), and will disclose my personal information within the Medibank Group of companies and to third party service providers. Please see Medibank’s privacy policy for further information about how Medibank will handle my personal information, and how to contact Medibank: https://www.medibank.com.au/privacy/
If you are eligible, one of our health professionals will call you in 2-3 business days to discuss your situation and help to enrol you in the relevant program.
There is no cost to participate, however some referred services may incur an out of pocket cost.