Extras cover

Dental, optical, physio, chiro, remedial massage and more – get cover for non-hospital treatments to help you stay healthy. Choose from the below cover options and how much you could claim back.

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Benefits of Medibank Extras cover

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.⁼

100% back on optical on eligible extras^±

When you join eligible Medibank extras you get 100% back on optical items at all recognised providers up to annual limits.^±

Better value through our Members’ Choice provider network^&

All Medibank members with Extras enjoy access to our Members' Choice Advantage network providers, offering capped pricing and discounts for all-round better value.

Want greater flexibility & choice with your cover?

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

Find out more

Extras cover FAQs

How does Extras cover work?

Extras cover can help with the cost of out-of-hospital health services that Medicare normally doesn’t cover, like dental, physiotherapy, optical, and more. Depending on your level of cover and the provider you visit, you can claim a percentage of the cost or a set amount for each service, up to your annual limit.

When paired with Hospital cover, Hospital & Extras combined cover can provide a more comprehensive solution. Hospital cover can help with the cost of in-hospital treatments, like surgeries, while Extras cover takes care of everyday health services.

For a deeper dive into how Hospital and Extras cover work together and what sets them apart, check out our guide: Hospital and Extras explained

Is Extras cover worth it?

Can I claim Extras cover on tax?

Can I only get Extras cover?

Which Extras cover is best for dental?

Dental insurance is often a part of Extras cover and can be useful in managing the cost of your dental bills. Choosing the best level of Extras for your dental needs, depends on if you’d want benefits towards general dental, major dental or other services and procedures.

You should also look out for other ways to maximise value. For example, you can get 100% back on up to two dental check-up and cleans every year at any Members’ Choice Advantage (MCA) dentist with eligible Medibank Extras.⁼

Explore Medibank Extras cover including dental

Which Extras cover is best for optical?

Medibank offers a range of Extras cover including optical items, such as prescription glasses and contact lenses. Choosing the right level of Extras cover for your optical needs depends on your health needs, goals, and budget.

When you join eligible Medibank extras, you can get 100% back on optical items at all recognised providers up to annual limits.^±

Explore Medibank Extras cover including optical

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Things you should know

ᶲ Extras only offer: For new members who join eligible Extras cover by 19 August 2026 11:59pm AET. Must not have held Medibank health cover in the previous 60 days unless coming off parent’s cover as a dependant. Must quote promo code EXTRA6WEEKS and set up direct debit when joining. Excludes combined Hospital & Extras cover, Hospital only cover, Healthy LIving Extras, Corporate covers, Ambulance cover, Overseas Visitors Health cover, 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.

Weeks free: Must be up-to-date with premium payments and maintain your cover continuously for 42 days from cover start date to receive 6 weeks free. The first 6 weeks free will be applied to your next bill after the 42 days. The weeks free will not be issued if you change to an ineligible cover, suspend or terminate your cover during this period. Your total discount will reflect the level of eligible cover you have when the discount is applied to your bill.

2&6 month waits waived on extras: 2&6 month waiting periods on extras are waived, but other waiting periods may still apply to your cover. Annual limits apply. If you're switching from a different health fund, anything that you have used on your current annual limits will count towards your annual limits with us. If you've reached your limits with your previous insurer, you may not be able to claim on extras straight away.

Live Better Rewards: To receive the Live Better Rewards points, you must be up-to-date with premium payments and maintain your cover continuously for 42 days without changing to an ineligible cover, terminating, or suspending your cover during this period. Must register for a My Medibank account, sign up to Live Better in the My Medibank app, and track at least one Live Better activity during those 42 days. Must be 16 years or over to register for Live Better. You will receive 5,000 Live Better Rewards points. Points may take up to 10 weeks from your policy start date to appear in your account. These points may then be redeemed for rewards, such as gift cards. Read full Medibank Live Better terms here: https://www.medibank.com.au/livebetter/rewards/terms/

⁼ 100% back on dental check-ups: 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.

^± 100% back on optical: Excludes Healthy Living Extras. Applies to prescription glasses and select contact lenses. Some lens coatings are excluded. 6 month waiting period applies.

^& Members' Choice providers are not available in all areas and may change without notice.