Extras insurance

  • 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)
70% 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 70% 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.

To make health insurance easier to understand, we've simplified some our most commonly used jargon. Find out more here.

Extras inclusions
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.

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.


1 day

General dental#~

Includes examinations, preventative treatment, scale and clean, extractions, fillings, x-rays, and surgery to remove wisdom teeth (excludes hospital charges).

No annual limit

2 months (12 months for surgical dental procedures)

Major dental#~

Includes services such as root canal, periodontics, crowns, dentures, bridges and veneers.


12 months


Procedures to help with the correction & alignment of the teeth and jaw. We pay benefits towards braces.


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.
12 months


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.


6 months

Remedial massage#

Benefits paid towards remedial massage treatments.


combined limit for Remedial massage and Natural therapies.
2 months


Includes one-on-one and group consultations, clinical pilates, antenatal and hydrotherapy sessions.


2 months

Chiropractic# & Osteopathy

Benefits paid towards consultations with a chiropractor or osteopath.


2 months


Diagnosis, treatment and prevention of conditions affecting the toe, foot and ankle to help with good foot hygiene and posture. We pay benefits towards consultations and approved orthotics.


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 Remedial massage
2 months


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.


2 months

Breathing appliances~

Peak flow meters, nebulisers and spacing devices only.


12 months

Blood glucose monitor & blood pressure monitors~

100% back up to your annual limit when you purchase a monitor.


24 months

Speech therapy

Benefits paid towards consultations with a recognised speech therapist.


2 months


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.


2 months

Health appliances & external prostheses~

Includes insulin delivery pens, pressure therapy garments, braces, splints, orthoses, post-mastectomy brassieres and external mammary prostheses/breast forms.


2 months

Hearing aids~

Benefits paid towards the cost of a hearing aid.


36 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.


2 months

Occupational therapy

Occupational therapy helps with the development or recovery of core physical, mental and developmental abilities. Benefits are paid towards consultations with a recognised occupational therapist.


2 months

Eye therapy

Study and treatment of vision problems due to defects in the eye muscles (such as a squint or a lazy eye) or harmful visual habits. Used to treat eye strain, vision-induced headaches, cross-eyes or double vision. Therapy involves eye exercises and treatment to correct the alignment of the eyes.
Benefits are paid towards consultations with a recognised orthoptist (eye therapist).


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.
^Tasmania and Queensland have State schemes that cover ambulance services for residents of those States.
~ 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.

Cover Summary

For further information on Top Extras 70, please see the cover summary.

Add hospital cover

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

Hospital Essentials
from $16.44
Core Hospital
from $17.86
Standard Hospital
from $24.05
Top Hospital Essentials
from $30.46
Complete Hospital
from $31.32

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).


Benefits of being a medibank member

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