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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.

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.

from
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60%

Healthy Start Extras

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60%

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60%

Extras cover

  • 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 

 

12 months for surgical dental procedures
Combined with: General dental, Major dental, Physiotherapy, Chiropractic & Osteopathy, Psychology, Dietetics, Prescription pharmaceuticals (non-PBS)
Combined with: Optical items, Remedial massage & Natural therapies
See General dental
See General dental
See Optical items
See General dental
See General dental
See General dental
Inclusions Annual limits per person Icon help Waiting period Icon help
Claim back percentage: 60%
Claim back percentage:
No annual limit 1 day
$500 combined limit Icon help 2 months Icon help
12 months
$150 combined limit Icon help 6 months
2 months
Combined limit Icon help 2 months
Combined limit Icon help 2 months
Combined limit Icon help 2 months
Combined limit Icon help 2 months
Combined limit Icon help Nil
Combined limit Icon help 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 Healthy Start Extras with hospital cover

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

Hospital Essentials

Hospital-only cover that's been designed to meet the needs of the young and healthy.

from

Hospital

none excess

  • Cover for things like knee reco & minor gynaecology
  • Cover for Accidents
  • Unlimited Emergency Ambulance Australia-wide^

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

The amount you can claim back at Members' Choice providers, up to annual limits.

Core Hospital

Core Hospital provides cost-effective cover for a wide range of common hospital procedures.

from

Hospital

$500 excess

  • Cover for Accidents
  • Cover for colonoscopies, tonsils & knee reco
  • No hospital excess for kids on a family membership

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

The amount you can claim back at Members' Choice providers, up to annual limits.

Standard Hospital

Hospital-only cover that provides a wider range of services, like heart-related admissions to better prepare you for life's many twists and turns.

from

Hospital

$500 excess

  • Cover for heart-related admissions, shoulder & knee reco
  • Cover for Accidents
  • Unlimited Emergency Ambulance Australia-wide^

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

The amount you can claim back at Members' Choice providers, up to annual limits.

Top Hospital Essentials

Comprehensive Hospital cover for those who want peace of mind, but don't need obstetrics-related services. Suitable for singles, couples and families.

from

Hospital

$500 excess

  • Top-level hospital cover for more costly procedures, like cataract surgery
  • Don’t pay for obstetrics-related services
  • Unlimited Emergency Ambulance Australia-wide^

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

The amount you can claim back at Members' Choice providers, up to annual limits.

Complete Hospital

From obstetrics and IVF, to heart-related admissions, Complete Hospital will give you the confidence of knowing you'll be looked after, no matter what.

from

Hospital

$500 excess

  • 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

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

The amount you can claim back at Members' Choice providers, up to annual limits.

Canstar awarded ‘Outstanding Value Insurance’ 11 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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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).

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100% optical

Join Medibank Extras today and get 100% back on optical items (up to your annual limit) at any recognised provider. Some services like lens coating are excluded and waiting periods apply.

Icon Dental

Better health begins with better teeth

Receive 100% back on your annual dental check-up at a Members’ Choice dentist. This doesn’t include x-rays and you need to have held extras for at least two months.

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
# 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.