Dental insurance

Healthy teeth are more affordable than you think. Medibank members with extras cover for two months or more get 100% back on up to two dental check-ups every year, including bitewing x-rays, at any Members’ Choice Advantage dentist.⁺

Want a $50 gift card plus most waits waived on extras?

Join eligible extras cover by July 10 and you could get 5,000 Live Better Points to redeem on rewards like $50 gift cards. Plus, we’ll waive your 2 & 6 month waiting periods on extras.~ New members only. Must use promo code: EXTRAPOINTS

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.

Healthy Start Extras

from

Youth Discount applied

Youth Discount not available

A great starting point for anyone new to health cover, offering flexible Extras that's better suited for the young and healthy.

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Extras 60% claimback 

Covers Annual limits

General dental #

Major dental#

Physiotherapy#

Dietetics

Chiropractic# & Osteopathy

Mental health support

Non-PBS pharmaceuticals

$500 combined limit

Optical items#

Remedial massage#

Natural therapies

$150 combined limit

Ambulance services^

Unlimited

Essential Extras

from

Youth Discount applied

Youth Discount not available

Fuss-free, affordable cover that gives you access to some of the more common services to keep your general health in check.

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Extras 75% claimback 

Covers Annual limits

General dental #

$750 limit

Optical Items#

$200 limit

Physiotherapy#

Chiropractic# & Osteopathy

$450 combined limit

Natural therapies

Remedial massage#

$100 combined limit

Ambulance services^

Unlimited

Growing Family Extras Only

from

Youth Discount applied

Youth Discount not available

Extras-only cover for families, with some welcome support during the pregnancy journey.

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Extras 70% claimback 

Covers Annual limits

General dental #

$1000 limit

Major dental #

$800 limit

Orthodontics

$200 opening  balance. Top up of $200 per year, up to limit

Optical items #

$225 per person $550 per membership

Physiotherapy#

Podiatry#

Chiropractic# & Osteopathy

$600 combined limit

Natural therapies

Remedial massage#

$250 per person $550 per membership

Dietetics

Non-PBS pharmaceuticals

Antenatal/Postnatal services

Speech Therapy

Mental health support

$1000 combined limit

Ambulance services^

Unlimited
And more ...
 

Top Extras

from

Youth Discount applied

Youth Discount not available

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

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Extras 75% claimback 

Covers Annual limits

General dental #

No annual limit

Major dental #

$1000 limit

Orthodontics

$800 opening balance. Top up of $400 per year, up to limit

Optical items #

$225 limit

Eye Therapy

$400 limit

Physiotherapy#

$600 limit

Podiatry#

$400 limit

Natural therapies

Remedial massage#

$300 combined limit

Non-PBS pharmaceuticals

$400 limit  

Occupational therapy

$400 limit

Mental health support

$400 limit

Ambulance services^

Unlimited
And more ...  

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.

^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.

Benefits of Medibank dental insurance:

Icon Star

Take advantage of our Members’ Choice Advantage dental network

100% back on up to two dental check-ups at a Members’ Choice Advantage dentist every calendar year, including bitewing x-rays.⁺ 2 month waiting period applies.

Icon Dental

Major dental

Cover for major dental procedures, like root canals and crowns, on all extras covers except Essential Extras and Flexi 60, subject to annual limits and a 12 month waiting period.

What's included in dental extras cover?

Trips to the dentist for examinations, scale & clean, surgical extractions and fillings are included in all Medibank extras cover options. Top Extras covers you for major dental procedures such as root canals, crowns, dentures and gum disease treatment, as well as orthodontics such as braces. Waiting periods and annual limits apply.

Want greater flexibility & choice with your cover?

Then how about building your own extras cover with Medibank's new My Choice Extras?

Things you should know

+ 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. 

Benefits will only be paid towards dental and orthodontic treatments that are administered in person (not via phone or online), by a recognised provider.

~ For new members on new memberships who join and start eligible extras cover from 1 June – 10 July 2022 and who have not held Medibank health cover in previous 60 days (unless they are a dependent coming off their parent’s cover). Must quote promo code EXTRAPOINTS and set up direct debit when joining. Excludes Corporate covers, Hospital Cover, 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 to Medibank employees. Not available with any other offer. 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. Live Better Points terms: Must maintain direct debit and hold eligible product for 28 consecutive days from the policy start date to receive Live Better points. Policyholder will require access to a smartphone and will need to download either the Live Better stand-alone app or the My Medibank App and track any Live Better activity within 28 days after the policy start date. Must be 18 years or over and have a valid Australian residential address to register for Medibank Live Better. Policyholder will need to have registered a My Medibank account and linked their My Medibank account with their Live Better account within 28 days after the policy start date. Live Better points could take up to 8 weeks from the policy start date to be loaded to the policyholder’s Live Better account. Singles, single parents, families and couples will receive 5,000 Live Better Points. Live Better Rewards terms: 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. 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/

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