Healthy Start Extras Health Insurance

Extras cover
Extras costs explained
Supporting documents

Join combined hospital and extras cover and we’ll waive the 2 & 6 month waits on extras. That’s no waits for services like general dental, optical, physio and chiro. Use promo code WAIVER. Find out more

Find out more

Extras cover

Top features

Enjoy the flexibility of using a $500 combined limit on popular Extras services like physio, psychology and chiro. It's up to you

100% back on an annual dental check-up & clean at any Members' Choice dentist, on top of your annual dental limit (excludes x-rays)

See better value with 100% back on optical at all recognised providers up to your combined limit

Claim Back at Members' Choice

60%

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.

What's included	Annual limits per person 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.	Waiting period 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.
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. Annual limits per person 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. No annual limit Waiting period 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. 1 day	No annual limit	1 day
General dental^#~ Includes examinations, preventative treatment, scale and clean, extractions, fillings, x-rays, and surgery to remove wisdom teeth (excludes hospital charges). Annual limits per person 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. $500 combined limit for General dental, Major dental, Physiotherapy, Chiropractic & Osteopathy, Psychology, Dietetics, Non-PBS pharmaceuticals Waiting period 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. 2 months (12 months for surgical dental procedures)	$500 combined limit for General dental, Major dental, Physiotherapy, Chiropractic & Osteopathy, Psychology, Dietetics, Non-PBS pharmaceuticals	2 months 12 months for surgical dental procedures
Major dental^#~ Includes services such as root canal, periodontics, crowns, dentures, bridges and veneers. Annual limits per person 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. $500 combined limit for General dental, Major dental, Physiotherapy, Chiropractic & Osteopathy, Psychology, Dietetics, Non-PBS pharmaceuticals Waiting period 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. 12 months			12 months
Optical^# 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 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. $150 combined limit for Optical items, Remedial massage, Natural therapies Waiting period 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. 6 months	$150 combined limit for Optical items, Remedial massage, Natural therapies	6 months
Remedial massage^# Benefits paid towards remedial massage treatments. Annual limits per person 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. Combined limit- see Optical items Waiting period 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. 2 months			2 months
Physiotherapy^# Includes one-on-one and group consultations, clinical pilates, antenatal and hydrotherapy sessions. Annual limits per person 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. Combined limit- see General dental Waiting period 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. 2 months	Combined limit- see General dental	2 months
Chiropractic^# & Osteopathy Benefits paid towards consultations with a chiropractor or osteopath. Annual limits per person 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. Combined limit- see General dental Waiting period 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. 2 months	Combined limit- see General dental		2 months
Natural therapies Consultations for naturopathy^#, acupuncture^#, reflexology, kinesiology, Chinese medicine, Western herbalism, exercise physiology, shiatsu, aromatherapy, homeopathy, Bowen therapy, Alexander technique and Feldenkrais Annual limits per person 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. Combined limit- see Optical items Waiting period 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. 2 months	Combined limit- see Optical items	2 months
Dietetics 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 only. Annual limits per person 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. Combined limit- see General dental Waiting period 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. 2 months	Combined limit- see General dental	2 months
Psychology Diagnosis & treatment of behavioural and mental health conditions such as depression, anxiety and phobias, as well as personality disorders such as Obsessive Compulsive Disorder (OCD) and other behavioural problems. Benefits paid towards consultations with a recognised psychologist only. Annual limits per person 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. Combined limit- see General dental Waiting period 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. None	Combined limit- see General dental	None
Prescription pharmaceuticals (non-PBS) 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 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. Combined limit- see General dental Waiting period 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. 2 months	Combined limit- see General dental	2 months
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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.

100% back at all recognised optical retailers (some items excluded, up to your annual limit, waiting periods apply)
100% back on at least one dental check-up & clean at any Members’ Choice dentist (excludes x-rays, waiting periods apply)
Access to Members’ Choice, one of the largest health provider networks in Australia, covering more than 12,000 providers. We’ve set maximum prices that these providers can charge, so you’ll avoid any surprises when the bill arrives

With a Member’s Choice provider, you’re guaranteed a fixed % back on services, up to your annual limits. We’ve also negotiated a capped price with Members’ Choice providers, so you won’t be charged more than the agreed price.

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 cover's limits.

^ Tasmania and Queensland have state schemes that cover ambulance services for residents of those States
# 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, up to annual limits.
~ 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.
¹ Calvary St Vincent’s, the only hospital provider of private postnatal care in Launceston, ceased providing postnatal services in January 2017 due to a shortage of midwives in Northern Tasmania. The nearest private hospital provider of postnatal services is North West Private Hospital. Both Calvary Health Care Lenah Valley and St John's also provide postnatal services in Hobart.

Hospital inclusions

Covers all Medicare-recognised in-hospital procedures, incl. major eye surgery, hip & knee replacement
Includes pregnancy & IVF treatment
No hospital excess for kids on your membership

Supporting documents

Membership Guide (PDF, 247 KB)

Healthy Start Extras 60 summary (PDF, 62 KB)

Why choose Medibank?

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).

Canstar award

Awarded Canstar 2017 Outstanding Value Award for Health Insurance 10 years in a row.

Price is based on singles cover in NSW for a person earning $90,000 or less per year and aged under 65.

Healthy Start Extras

A great starting point for anyone new to health cover, offering flexible Extras that's better suited for the young and healthy.