We all know going to the dentist is a pain, sometimes literally. But your teeth are pretty precious – just think how much you use them every day!
Cavities and gum disease are generally easier and cheaper to treat sooner rather than later. Dental cleans also remove plaque and tartar buildup that brushing alone can't manage, reducing the risk of dental issues. It is generally recommended that everyone, including children, visit the dentist twice a year.1
Find the right Extras cover for your dental needs
The amount you can claim back at Members’ Choice providers, up to annual limits. Fixed amounts apply at non-Members’ Choice providers, up to annual limits.
Claim 70% back on the costs of included treatments at Medibank Members' Choice providers, up to annual limits.
We've negotiated a capped price 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, which may be less than the provider charges, but may help reduce your out-of-pocket expenses.
Claim 75% back on the costs of included treatments at Medibank Members' Choice providers, up to annual limits.
We've negotiated a capped price 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, which may be less than the provider charges, but may help reduce your out-of-pocket expenses.
The amount you can claim back at Members’ Choice providers, up to annual limits. Fixed amounts apply at non-Members’ Choice providers, up to annual limits.
= Members with Healthy Living Extras can get 100% back on one dental check-up each year at a Members’ Choice Advantage provider (including up to two bitewing x-rays, where clinically required) or at a Members’ Choice provider (excluding x-rays). Eligible members on Medibank extras (excluding Healthy Living Extras and Gold Ultra Health) can claim a maximum of two 100% back dental check-ups per member, per year at a Members’ Choice Advantage provider (including bitewing x-rays where clinically required). For members on eligible extras, the first two check-ups do not count towards your annual limit. Members with Gold Ultra Health can get 100% back on up to three dental check-ups at a Members’ Choice or Members’ Choice Advantage provider. Members’ Choice and Members’ Choice Advantage providers are not available in all areas. Two month waiting period applies for dental check-ups. Some products may have other dental benefits, check your cover summary for details.
^^ Two month waiting period and $40 annual limit apply. Benefits are payable towards the influenza vaccine only and not payable towards any other fees, including administrative fees or GP consultations. Some individuals may be eligible for free influenza vaccines under a Commonwealth or State scheme, such as the National Immunisation Program, or similar schemes. Benefits are not payable where influenza vaccines are administered under such a scheme.
# Medibank has Members' Choice providers for these services. Not available in all areas.
^ For ambulance attendance or transportation where immediate professional attention is required and your medical condition is such that you couldn't be transported any other way. TAS and QLD have State schemes to cover ambulance services for residents of those States. Includes transport by air ambulance where pre-approval is obtained from Medibank by the air ambulance provider.
¶ Counsellors must be registered with Australian Counselling Association, Psychotherapy and Counselling Federation of Australia, Australian Traditional Medicine Society. Mental Health Social Workers must hold a mental health accreditation by the Australian Association of Social Workers. Medibank will pay benefits towards pharmacogenetic tests for all conditions. Benefits will only be paid towards pharmacogenetic tests administered in-person, or for approved home kits where supporting documentation from a medical practitioner outlining the clinical purpose is supplied.
Why choose Medibank for dental insurance
Take advantage of our Members’ Choice dental network
If you visit a provider from our large Members' Choice network, you'll generally get better value for money. At Members' Choice providers, you can take advantage of capped rates and on eligible extras products you’ll receive a percentage of what you're charged back.%
100% back on dental check-ups twice a year on eligible extras+
Here’s something to smile about – Medibank members with eligible extras cover for two months or more get 100% back on up to two dental check-ups every year, including x-rays, at any Members’ Choice Advantage dentist.=
Major dental
Cover that pays benefits for major dental procedures, like root canals and crowns, on all extras covers except Healthy Living Extras, Essential Extras and Extras 55. Subject to annual limits and a 12 month waiting period.
What's included under each type of dental insurance?
When choosing Extras cover with dental, your priority should be selecting one that aligns with your health needs. Here's some information that could help you make your decision for the right teeth insurance.
What are the waiting periods for dental insurance?
The waiting period for:
- Dental check-ups and general dental is 2 months (12 months for surgical dental procedure)
- Major dental is 12 months
If you're switching from another Australian health fund, you typically won’t need to re-serve waiting periods for services previously included in your cover if you join within two months of switching. Meaning you could make the most out of your new cover straight away.
Keep in mind that if your new Medibank cover includes additional or upgraded services, there will be waiting periods for these.
In some cases, health funds may waive waiting periods as part of special offers for new members, particularly for Extras cover services that have a 2 or 6 month waiting period.
Get 6 weeks free on Extras cover
Join and maintain eligible Medibank extras cover and you could get:
- 6 weeks free
- 5,000 Live Better Rewards points to redeem on rewards such as a $50 gift card
- 2&6 month waiting periods on extras
New members only.ᶲ
What is the average cost of a dental check-up and clean?
At a Members’ Choice Advantage dentist, the national average cost of a dental check-up and clean is $265 and if you visit twice a year, you could be spending around $530. With eligible extras, you can get 100% back on up to two check-ups on top of your annual limits at a Members’ Choice Advantage dentist (excluding Healthy Living Extras and Gold Ultra Health members).+
Smile better, get rewarded
Members on Medibank Extras covers (except Healthy Living Extras) can earn 1,000 Live Better Rewards points* for each dental check-up (up to 2 checks per year) at any Members' Choice Advantage dentist. Members with Healthy Living Extras can earn 1,000 Live Better Rewards points for one dental check-up per year at any Members’ Choice Advantage dentist.#
Claim
With eligible Extras cover you get 100% back on up to two check-ups each year at a Members' Choice Advantage Dentist (including bitewing x-rays where clinically required)+
Earn
Earn Live Better Rewards points for your dental check-up from a Members' Choice Advantage provider.#
Redeem
Use your Live Better points to redeem rewards, starting from a $20 gift card from selected partners for 2000 Live Better points.~
Things you should know
1 Better Health Channel, Dental treatment; retrieved November 2024.
% Providers are subject to change without notice and are not available in all areas. To access capped prices at a Members' Choice network provider, swipe your Medibank Membership card. Please check if your provider is part of our network ahead of your appointment at medibank.com.au/findaprovider. To find the capped price for a specific item number at your provider, call us on 132 331.
= Eligible members on Medibank extras (excluding Healthy Living Extras and Gold Ultra Health) can claim a maximum of two 100% back dental check-ups per member, per year at a Members’ Choice Advantage provider (including bitewing x-rays where clinically required). For members on eligible extras, the first two check-ups do not count towards your annual limit. Members with Healthy Living Extras can get 100% back on one dental check-up each year at a Members’ Choice Advantage provider (including up to two bitewing x-rays, where clinically required) or at a Members’ Choice provider (excluding x-rays). Members with Gold Ultra Health can get 100% back on up to three dental check-ups at a Members’ Choice or Members’ Choice Advantage provider. Members’ Choice and Members’ Choice Advantage providers are not available in all areas. Two month waiting period applies. Some products may have other dental benefits, check your cover summary for details.
Benefits will only be paid towards dental and orthodontic treatments that are administered in person (not via phone or online), by a recognised provider.
* Must be 16 years or over to register for Medibank Live Better rewards. Some program partners and earning activities require a person to be at least 18 years of age to be eligible to earn and/or redeem a reward. Must be a Medibank member with hospital cover, extras cover, or hospital and extras cover, be up-to-date with premium payments and have signed up to Medibank Live Better rewards in the My Medibank app to earn Live Better points for eligible purchases and redeem rewards. Excludes Overseas Student Health Cover (OSHC), Ambulance only cover, ahm covers and other selected covers. Live Better Management Pty Ltd, ACN 003 457 289 has entered into commercial arrangements with Medibank Live Better program partners and may receive commissions. Additional terms and conditions may apply to points earning activities and rewards. Points earning activities and rewards are subject to change and may be subject to availability. Wherever possible, we will give you notice of these changes. See full Medibank Live Better rewards terms.
# Maximum 1,000 points per member per calendar year for Healthy Living Extras. Maximum 2,000 points per member per calendar year for all other extras. Award of Live Better rewards points is subject to the approval of a claim for the health service. Waiting periods may apply. Not available in all areas. Points will be credited to a members' account only when the member registers as a Live Better rewards member within 6 months from the date of the receiving the health service, subject to the Medibank Live Better rewards terms. Must be a Medibank member with extras cover (excludes ambulance only cover), hospital cover or hospital and extras cover, be up-to-date with premium payments and have signed up to Medibank Live Better with the My Medibank app to redeem rewards. See full Medibank Live Better terms.
~ Please choose carefully as rewards will not be amended, cancelled, exchanged or refunded due to change of mind. Rewards are subject to change and availability without prior notice. Must be a Medibank member with hospital cover, extras cover, or hospital and extras cover, be up-to-date with premium payments and have signed up to Medibank Live Better with ‘My Medibank’ or have linked their MyMedibank account with their Live Better account to redeem rewards. Excludes Overseas Student Health Cover (OSHC), Ambulance only cover, ahm covers and other selected covers. Live Better Management Pty Ltd, ACN 003 457 289 has entered into commercial arrangements with Medibank Live Better program partners and may receive commissions. Reward will be subject to Program Partner terms and conditions. See full Medibank Live Better terms.
ᶲ For new members on new memberships who join and maintain eligible Extras cover from 14 January 2026 and who have not have held Medibank health cover in previous 60 days (unless they are dependents coming off their parent’s cover). Must quote promo code EXTRA6WEEKS and set up direct debit when joining. Eligible Extras cover means Medibank standalone Extras policies, excluding Healthy Living Extras. Offer does not apply to combined Hospital & Extras covers, Corporate covers, Hospital cover, Accident cover, Ambulance cover, Overseas Visitors Health Insurance, Overseas Students Health Cover (OSHC), Overseas Workers Health cover, ahm covers and other selected covers. Must have Australian residence. Not available with any other offer. Not available to Medibank employees. Medibank reserves the right to amend these Terms and Conditions from time to time.
6 weeks free terms: Must maintain direct debit and hold eligible cover for 42 consecutive days (6 weeks) from the policy start date to get next 6 weeks free. The 6 weeks free will not be issued if you change to an ineligible cover, terminate your cover or suspend your cover during this period. Discounted amount to reflect level of eligible cover at time of discount.
2&6 month waits waived on extras terms: 2&6 month waiting periods on extras waived. Other waiting periods apply (including 12 months on some dental services). If you're switching from another fund and you've used any of your current limits (at that fund), that will count towards your annual limits with us. If you’ve reached your limits at your previous fund, you may not be able to claim straight away on extras.
Live Better rewards points terms: Must maintain direct debit and hold eligible product for 42 consecutive days after the policy start date to receive 5,000 Live Better rewards points (which may be redeemed for up to $50 in gift cards). The points will not be issued if you change to an ineligible cover, terminate your cover or suspend your cover during this period. Policyholder will require access to a smartphone and will need to download the My Medibank App. Policyholder will need to have registered a My Medibank account, sign up to Live Better rewards via the My Medibank App and track any Live Better rewards activity within 42 consecutive days from the policy start date. Policyholder must also maintain direct debit and continue to hold an eligible product for 42 consecutive days from the policy start date to receive the Live Better rewards points. Must be 16 years or over to register for Medibank Live Better rewards. Live Better rewards points could take up to 10 weeks from the policy start date to be loaded to the policyholder’s Live Better rewards account.
Live Better Rewards terms: Must be a Medibank member with eligible Hospital cover, Extras cover, or Hospital and Extras cover, be up-to-date with premium payments and have signed up to Live Better via the My Medibank app to redeem Rewards. Additional terms and conditions may apply to the redemption of a reward depending on the type of reward chosen. Read full Medibank Live Better terms here: https://www.medibank.com.au/livebetter/rewards/terms/