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Prices below are based on

Prices below are based on

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

Youth Discount applied

Youth Discount not available

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Top Extras

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

Your cover also includes

 

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 up to two dental check-ups every year (including bitewing x-rays) at any Members’ Choice Advantage dentist1, OR
  • 100% back on an annual dental check-up & clean at any Members' Choice dentist, on top of your annual limit (excludes x-rays)1

 

12 months for surgical dental procedures
$400 opening balance. Top up of $200 each year, up to limit.
$800 opening balance. Top up of $400 each year, up to limit.
$1,000 opening balance. Top up of $500 each year, up to limit.
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.

Medibank Basic Plus Healthy Start

Hospital Cover designed to meet the needs of the young and healthy. Includes procedures for joint reconstructions (things like knees and shoulders), dental surgery and hernia and appendix.

from

Youth Discount applied

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Hospital

$750 excess

  • Cover for things young people may need, like joint reconstructions and Dental surgery
  • Rest assured you'll receive the benefits of our gold level of hospital cover in the event of an Accident⁺
  • Unlimited Emergency Ambulance Australia-wide^

Medibank Bronze Everyday

Cost-effective hospital cover for a wide range of procedures that includes endoscopies and chemotherapy.

from

Youth Discount applied

Youth Discount not available


Hospital

$750 excess

  • Rest assured you'll receive the benefits of our gold level of Hospital cover in the event of an Accident⁺
  • Be covered for a wide range of hospital procedures and investigations
  • Better value for families with no hospital excess for kids on a family membership

Medibank Bronze Plus Progress

Hospital cover that includes a wide range of common procedures, including back, neck & spine and chemotherapy.

from

Youth Discount applied

Youth Discount not available


Hospital

$750 excess

  • Be covered for a wide range of hospital procedures and investigations including treatment for Back Neck and Spine
  • Rest assured you'll receive the benefits of our gold level of Hospital cover in the event of an Accident⁺
  • Better value for families with no hospital excess for kids on a family membership

Medibank Silver Everyday

Hospital cover that provides a wide range of services, including heart and vascular procedures and plastic and reconstructive surgery.

from

Youth Discount applied

Youth Discount not available


Hospital

$750 excess

  • A broad range of hospital services such as heart and vascular admissions and Plastic and reconstructive surgery
  • Rest assured you'll receive the benefits of our gold level of Hospital cover in the event of an Accident⁺
  • Better value for families with no hospital excess for kids on a family membership

Medibank Silver Plus Assured

We've designed this hospital cover to give you a little more than Silver Everyday. Rehabilitation, Palliative care and Sleep studies are all included.

from

Youth Discount applied

Youth Discount not available


Hospital

$750 excess

  • A broader range of hospital services than Medibank Silver Everyday, with sleep studies and rehabilitation as well as heart and vascular admissions and Plastic and reconstructive surgery
  • Rest assured you'll receive the benefits of our gold level of Hospital cover in the event of an Accident⁺
  • Better value for families with no hospital excess for kids on a family membership

Medibank Silver Plus Security

Comprehensive hospital cover for those who want peace of mind but don't want pregnancy and birth. Includes cover for joint replacements, rehabilitation and cataracts.

from

Youth Discount applied

Youth Discount not available


Hospital

$750 excess

  • One of our highest levels of cover without Pregnancy and birth and Assisted reproductive services
  • Rest assured we'll help you with some of the more costly procedures, such as joint replacement surgery
  • Unlimited Emergency Ambulance Australia-wide^

Medibank Gold Complete

From pregnancy and birth to psychiatric services and heart and vascular procedures, this hospital cover will give you the confidence of knowing you'll be looked after, no matter what.

from

Youth Discount applied

Youth Discount not available


Hospital

$750 excess

  • Admissions for all in-hospital procedures recognised by Medicare, including cataract surgery, and joint replacements
  • It's ok to feel clucky - includes Pregnancy and birth services and assisted reproductive services
  • Better value for families with no hospital excess for kids on a family membership

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

Canstar awarded ‘Outstanding Value Insurance’ 12 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.

Icon Dental

Better health begins with better teeth

Medibank members with extras cover for 2 months or more can get 100% back on up to two dental check-ups every year, including bitewing x-rays, at any Members’ Choice Advantage dentist.¹

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. Not available in all areas.

~ 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.

+ Covers with Restricted or Excluded services will be treated as Included services where treatment is required for injuries sustained in an Accident that occurs after joining this cover. Treatment must be sought within 7 days of the Accident. Excludes claims covered by third parties such as Workcover and our Private Room Promise. Out of pockets may apply. Refer to your Cover Summary.

1 Members can claim a maximum of two 100% back dental check-ups per member, per year—either two check-ups at a Members’ Choice Advantage dentist (including up to two bitewing x-rays per check-up where required), or a first check-up at a Members’ Choice dentist (excluding x-rays) and a second check-up at a Members’ Choice Advantage dentist. These check-ups do not count towards annual limits. Waiting periods apply.

2 Limited to two dental check-ups on all extras annually. Maximum two bitewing x-rays per check-up, where clinically needed. Not available in all areas.

3 - 6 month waiting period applies. Some lens coatings excluded.

4 Some claims, like paper based, may take longer to update. If you have Visitors Health Insurance, Working Visa Health Insurance or Overseas Student Health cover, you may not be able to use all the features.

5 Gym locations may change from time to time. Not all gyms within the partner network participate in the GymBetter program. Check the GymBetter app for participating gyms.

‡ For new members on new memberships who join and start eligible extras cover from 12 June – 30 June 2019 and who have not held Medibank health cover in previous 60 days. Must set up direct debit when joining. 2&6 month waits waived on extras: 2&6 month waiting periods on extras waived. Other waiting periods apply (including 12 months on some dental services). If you’ve reached your limits from a previous fund you may not be able to claim straight away. Excludes Corporate covers, Accident Cover, Ambulance Cover, Overseas Visitors Health Insurance, Overseas Students Health Cover (OSHC), Working Visa Health Insurance, ahm covers and other selected covers. Not available with any other offer. 

Have questions?

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