Extras insurance

Benefits
  • Cover for antenatal classes and pregnancy compression garments
  • Benefits towards an Australian Breastfeeding Association membership
  • 100% back on a yearly check-up at a Members' Choice dentist (excludes x-rays). And this doesn't count towards annual limit
  • 100% back for kids at Members' Choice providers
  • 100% back on optical at all recognised providers up to annual limit
60% Claim Back at Members' Choice

The information shown below is the Extras services you claim benefits for as well as any annual limits and waiting periods that may apply. If you use a Members' Choice provider you will be able to claim 60% back on the cost, up to annual limits, on the costs of services that are included in your cover. We've negotiated a capped price with Members' Choice providers, so you won't be charged more than the agreed price. Services available through our Members' Choice provider network are indicated in the table with a #.

If your provider is not part of our Members' Choice network, we still pay benefits up to a fixed benefit at any recognised provider. This benefit may be less than the provider charges.

Extras inclusions
Services we pay benefits for Treatments & Features Annual limits per person An annual limit is the maximum amount of benefits Medibank will pay for particular treatments each calendar year. Generally, the more comprehensive your cover, the higher the annual limits. If you are switching, benefits that have been paid under your previous cover will be taken into account in determining the benefits payable under your Medibank cover. Waiting periods Waiting periods explained Waiting periods are the length of time you need to wait after taking out your cover before you can claim or receive benefits covered by your policy. Waiting periods apply to new members or for new services, including if you're changing to a higher level of cover. If you're switching you will not need to re-serve waiting periods if you have already served your waiting periods and you change to a comparable or lower level of cover. If you change to a higher level of cover, we will recognise any waiting periods you have already served and pay benefits at your former lower level of cover until you serve the waiting periods for your higher level of cover. If you have only partially served your waiting periods on your former level of cover, you will need to serve the balance before you can claim at your former level of cover.

Ambulance services

100% cover for immediate professional attention. Includes ambulance transportation when your medical condition means you can't be transported in any other way. Tasmania and Queensland have State schemes that cover ambulance services for residents of those States.

No annual limit

2 months

General dental#~

Includes examinations, preventative treatment, scale and clean, extractions, fillings and x-rays and surgical removal of wisdom teeth (excluding hospital charges).

$750

2 months (12 months for surgical dental procedures)

Major dental#~

Includes services such as endodontic services (e.g. root canal); periodontics (e.g. treatment of gum disease); crowns, dentures and bridges; and major restorative fillings (e.g. veneers)

$400

increasing by $50 per full calendar year (max $600) after 4 years of continuous cover
12 months

Orthodontics

Includes braces

$100 opening balance.

Top up of $100 per full calendar year after waiting periods have been served up to a $1,200 lifetime limit. Please refer to the cover summary for further information.

12 months

Optical items#

100% back up to annual limits at any recognised provider. Includes frames, prescription lenses and repairs. Excludes some lens coatings.

$200 per person
$500 per membership

6 months

Remedial massage#

Benefits towards remedial massage treatments

$150 per person and $300 per membership which is combined with Natural therapies.

2 months

Physiotherapy#

Includes one-on-one and group consultations, Clinical Pilates, antenatal and hydrotherapy sessions

$300

(Combined limit)
2 months

Chiropractic# & Osteopathy

Benefits towards consultations with an osteopath or chiropractor

Inc with Physiotherapy

2 months

Podiatry#

Benefits towards consultations, biomechanical assessments and custom orthotics

Inc with Physiotherapy

2 months

Natural therapies

Consultations for naturopathy# and acupuncture#.
Consultations for reflexology, kinesiology, Chinese & Western herbalism, exercise physiology, shiatsu, aromatherapy, homeopathy, Bowen therapy, Alexander technique & Feldenkrais.

$150

per person
$300 per membership
(Combined limit with Remedial massage)
2 months

Dietetics

Benefits towards dietitian and nutritionist consultations

$400

(Combined limit)
2 months

Breathing appliances~

Peak flow meters, nebulisers & spacing devices

Inc with Dietetics

12 months

Blood glucose monitors & blood pressure monitors~

100% back up to your annual limit

Inc with Dietetics

24 months

Speech Therapy

Benefits are paid towards consultations with a speech therapist

Inc with Dietetics

2 months

Psychology

Cover for consultations only

Inc with Dietetics

2 months

Health appliances & external prostheses~

Including insulin delivery pens

Inc with Dietetics

2 months

Australian Breastfeeding Association Membership

Benefit toward a membership of the Australian Breastfeeding Association

Inc with Dietetics

2 months

TENS machine~

Hire or purchase

Inc with Dietetics

2 months

Pregnancy compression garments~

Garments must have TGA approval.

Inc with Dietetics

2 months

Antenatal/Postnatal services

Inc with Dietetics

2 months

Prescription pharmaceuticals (non PBS)

For certain prescribed items not subsidised by the Government

Inc with Dietetics

2 months

# Medibank has Members' Choice providers for these services only. By choosing a Members' Choice provider you are guaranteed to receive the percentage back shown on the cover.
~ 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.

Cover Summary

For further information on Growing Family 60 Extras Only, please see the cover summary.

Add hospital cover

Help cover the cost of hospital treatments with hospital cover that suits you

Core Hospital
from $17.86
/week
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Standard Hospital
from $24.05
/week
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Complete Hospital
from $31.32
/week
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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).

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