Extras insurance
Benefits
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.
| 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. |
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Ambulance services^ For ambulance attendance or transportation to a hospital where immediate professional attention is required and your medical condition is such that you couldn't be transported any other way. |
No annual limit |
2 months | |
|
General dental#~ Includes examinations, preventative treatment, scale and clean, extractions, fillings, x-rays, and surgery to remove wisdom teeth (excludes hospital charges). |
$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. |
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. |
$150 combined limit for Optical items, Remedial massage, Natural therapies |
6 months | |
|
Remedial massage# Benefits paid towards remedial massage treatments. |
2 months | ||
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Physiotherapy# Includes one-on-one and group consultations, clinical pilates, antenatal and hydrotherapy sessions. |
Combined limit- see General dental |
2 months | |
|
Chiropractic# & Osteopathy Benefits paid towards consultations with a chiropractor or osteopath. |
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 |
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 or nutritionist only. |
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. |
Combined limit- see General dental |
2 months | |
|
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. |
Combined limit- see General dental |
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.
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Cover Summary
For further information on Healthy Start Extras 60, please see the cover summary.
Add hospital cover
Help cover the cost of hospital treatments with hospital cover that suits you
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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Join Medibank combined hospital & extras now, and you could get a Specsavers gift card. Plus, we’ll waive your 2&6 month waiting periods on extras.
