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 Support

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.

from

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My Choice Extras Support

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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.

Prices 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.

Waits waived on most extras

Join eligible extras cover by July 31 and we'll waive your 2&6 month waiting periods so you can use extras like optical and general dental.‡ Use promo code: EXTRAS

Your cover also includes

Extras cover

  • You choose the cover to suit your budget and lifestyle - 60% or 75% back from Members' Choice Providers.
  • Extras cover that includes the daily essentials plus more specific services for those who may need extra support for better health.
  • 100% back for kids at Members' Choice providers, up to annual limits.##
  • 100% back on your first consultation at a Members' Choice provider for one of the following services - physiotherapy, chiropractic, remedial massage, acupuncture or podiatry.€€
  • 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
Combined limit: Physiotherapy, Chiropractic, Osteopathy, Exercise Physiology, Acupuncture & Chinese medicine
Combined limit: Physiotherapy, Chiropractic, Osteopathy, Exercise Physiology, Acupuncture & Chinese medicine
Combined limit: Remedial massage & Myotherapy
Combined limit: Remedial massage & Myotherapy
Combined limit: Breathing appliances, Blood glucose monitor & blood pressure monitors, Health appliances & external prostheses, Health subscriptions, Health screening tests & Dietetics
Combined limit: Breathing appliances, Blood glucose monitor & blood pressure monitors, Health appliances & external prostheses, Health subscriptions, Health screening tests & Dietetics
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
$600 No annual limit 2 months Icon help
$700 $1,000 12 months
$200 combined limit Icon help $225 combined limit Icon help 6 months
2 months
$200 combined limit Icon help $400 combined limit Icon help Nil
2 months
2 months
$500 combined limit Icon help $600 combined limit Icon help 2 months
2 months
2 months
2 months
$150 Icon help $200 Icon help 2 months
$400 combined limit Icon help $600 combined limit Icon help 12 months
24 months
2 months
2 months
2 months
2 months
$400 $800 36 months
$150 $200 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 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 Support with hospital cover

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

Medibank Basic Plus Healthy Start

from

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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

from

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

Add cover

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

from

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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

from

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Our most comprehensive Bronze hospital cover.

Add cover

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 Everyday

from

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Hospital cover that provides a wide range of services, including heart and vascular procedures.

Add cover

Hospital

$750 excess

  • A broad range of hospital services such as heart and vascular admissions and 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 Assured

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We've designed this hospital cover to give you a little more than Silver Everyday. Rehabilitation, Palliative care and Sleep studies are all included.

Add cover

Hospital

$750 excess

  • A broader range of hospital services than Medibank Silver Everyday, with sleep studies and rehabilitation as well as heart and vascular admissions and 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 Security

from

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Comprehensive hospital cover for those who want peace of mind but don't want pregnancy and birth. Includes cover for joint replacements, rehabilitation and cataracts.

Add cover

Hospital

$750 excess

  • One of our highest levels of cover without Pregnancy and birth and Assisted reproductive services
  • Rest assured we'll help you with some of the more costly procedures, such as joint replacement surgery
  • Unlimited Emergency Ambulance Australia-wide^

Medibank Gold Complete

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From pregnancy and birth to psychiatric services and heart and vascular procedures, this hospital cover will give you the confidence of knowing you'll be looked after, no matter what.

Add cover

Hospital

$750 excess

  • Admissions for all in-hospital procedures recognised by Medicare, including cataract surgery, and joint replacements
  • It's ok to feel clucky - includes Pregnancy and birth services and assisted reproductive services
  • Better value for families with no hospital excess for kids on a family membership

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

Canstar awarded ‘Outstanding Value Insurance’ 14 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?

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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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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.

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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.

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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.

+ 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.

# 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 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).

± 6 month waiting period applies. Some lens coatings excluded.

€ 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.

## Waiting periods apply, including 12 months for some dental services. For child (up to 21 years) and full time students (up to 25 years) dependants. Members' Choice providers not available in all areas.

€€ Available each year and up to annual limits. Waiting periods apply. Subsequent consultations will have an out of pocket cost.

^^ Waiting period applies.

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

≈  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 Visitor health cover, Working Visa health cover, 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.

‡ For new members on new memberships who join and start eligible extras cover from 1 January – 31 July 2022 and who have not held Medibank health cover in the previous 60 days. Must quote promo code EXTRAS and 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 switching funds, any waiting periods you've already served for comparable extras will generally be recognised if you join Medibank within 2 months of leaving your previous fund. Annual limits on extras apply. 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.

Have questions?

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