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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.

Top Extras

Our highest level of Extras cover to help you stay in tip-top shape from head to toe.

from
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Top Extras

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Extras cover

  • You choose the cover to suit your budget and lifestyle - 55%, 70% or 85% back from Members' Choice providers.
  • Cover for a wide range of services, including more costly ones, like major dental, orthodontics and hearing aids
  • 100% back on an annual dental check-up & clean at any Members' Choice dentist, on top of your annual limit (excludes x-rays)
     
12 months for surgical dental procedures
Opening balance top up of $200 per full calendar year after waiting periods have been served up to a $1,200 lifetime limit. Please refer to cover summary for full details.
Opening balance top up of $400 per full calendar year after waiting periods have been served up to a $2,400 lifetime limit. Please refer to cover summary for full details.
Opening balance top up of $500 per full calendar year after waiting periods have been served up to a $3,000 lifetime limit. Please refer to cover summary for full details.
Combined with: Remedial Massage, Natural Therapies
Combined with: Remedial Massage, Natural Therapies
Combined with: Remedial Massage, Natural Therapies
- see Remedial massage
- see Remedial massage
- see Remedial massage
Combined with: Breathing appliances, blood glucose & blood pressure monitors
Combined with: Breathing appliances, blood glucose & blood pressure monitors
Combined with: Breathing appliances, blood glucose & blood pressure monitors
Inclusions Annual limits per person Icon help Waiting period Icon help
Claim back percentage: 55% 70% 85%
Claim back percentage:
N/A N/A N/A 1 day
$800 No annual limit No annual limit 2 months Icon help
$500 $1,000 $1,200 12 months
$400 Icon help $800 Icon help $1,000 Icon help 12 months
$200 $225 $250 6 months
$200 combined limit Icon help $300 combined limit Icon help $400 combined limit Icon help 2 months
$300 $600 $700 2 months
$200 $400 $500 2 months
$200 $400 $500 Nil
$200 $400 $500 2 months
Combined limit Icon help Combined limit Icon help Combined limit Icon help 2 months
$200 $400 $500 2 months
$150 combined limit Icon help $200 combined limit Icon help $250 combined limit Icon help 12 months
24 months
$200 $400 $500 2 months
$200 $400 $500 2 months
$400 $800 $1,200 36 months
$200 $400 $600 2 months
$200 $400 $500 2 months
$200 $400 $500 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 Top 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.

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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.

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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).

Icon optical

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.

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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.