Extras insurance

  • You choose 55%, 70% or 85% back on extras
  • Dental, major dental & orthodontics
  • Podiatry, speech therapy & hearing aids
  • 100% back on optical at all optical providers up to annual limits
Claim Back Guaranteed percentage back on specified services provided by Medibank Members' Choice providers only up to annual limits. Services available through our Members' Choice provider network are indicated in the table with a #. Claim 55% back on the costs of included treatments at Medibank Members' Choice providers, up to annual limits. We've negotiated a capped price with Members' Choice providers, so you won't be charged more than the agreed price. If your provider is not part of our Members' Choice network, we still pay benefits up to a fixed benefit. This may be less than the provider charges, as we haven't negotiated a price with them. Generally, the higher the level of cover you choose, the higher the fixed benefit which will help reduce your out-of-pocket expenses.

Guaranteed percentage back on specified services provided by Medibank Members' Choice providers only up to annual limits. Services available through our Members' Choice provider network are indicated in the table with a #.

Extras inclusions
Included Treatments 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, we'll recognise waiting periods you've already served, so you'll only need to serve any balance with us before you can claim.

Percentage Back for Children


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.


2 months

General dental#

Includes examinations, preventative treatment, scale and clean, extractions, fillings and x-rays and surgical removal of wisdom teeth


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)


12 months


Includes braces


opening balance top up of $200 per year up to $1,200 lifetime limit
12 months

Optical items#

100% back up to annual limits. Includes frames, prescription lenses and repairs.


6 months

Remedial Massage#

Benefits towards remedial massage treatments

Incl with Natural Therapies

2 months


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


2 months

Chiropractic# & Osteopathy

Benefits towards consultations with an osteopath or chiropractor


2 months


Benefits towards consultations, biomechanical assessments and custom orthotics


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.


combined limit
2 months


Benefits towards dietitian and nutritionist consultations


2 months

Breathing appliances

Peak flow meters, nebulisers & spacing devices


12 months

Blood glucose monitors & blood pressure monitors

100% back up to your annual limit


24 months

Speech Therapy

Benefits are paid towards consultations with a speech therapist


2 months

Clinical psychology

Cover for consultations only


2 months

Health appliances & external prostheses

Including insulin delivery pens


2 months

Hearing aids

Benefits are paid towards the cost of hearing aids and hearing aid repairs


36 months

Prescription pharmaceuticals (non PBS)

For certain prescribed items not subsidised by the Government


2 months

Occupational therapy

Benefits are paid towards consultations with an Occupational Therapist


2 months

Eye therapy

Benefits are paid towards consultations with an orthoptist


2 months
More details

# 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.

from $10.19

Minimum pay frequency is fortnightly ($20.38)

Prices vary from state to state, and depending on your age, income and if you've held hospital cover previously. Prices are based on singles cover in NSW assuming 27.820% Australian Government Rebate and no Lifetime Health Cover loading.  Minimum payment frequency is fortnightly. Waiting periods and annual limits may apply.

Add hospital cover

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

Basic Hospital
from $16.13 /week

($32.26 per fortnight)

Standard Hospital
from $20.31 /week

($40.62 per fortnight)

Top Hospital Essentials
from $25.81 /week

($51.62 per fortnight)

Top Hospital
from $27.00 /week

($54.0 per fortnight)


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).

Get up to 2 free Fitbit ChargesTM

Simply switch to Hospital and Extras cover by 30 November. Find out more


Benefits of being a medibank member

Medibank nurse 24/7
Fast online claims
Wide range of extras
Advice for better health