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 to claim back.

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Want greater flexibility & choice with your cover?

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

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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 helps 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?

What 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.⁼

Learn more: What does dental insurance cover?

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Things you should know

⁼ 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.

ᶲ For new members on new memberships who join and maintain eligible extras cover from 17 September 2025 12:01am AET 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 EXTRA4WEEKS and set up direct debit when joining. Must have Australian Residency. 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. Not available to Medibank employees. Not available with any other offer. Medibank reserves the right to amend these Terms and Conditions from time to time.

4 weeks free terms: Must maintain direct debit and hold eligible cover for 28 consecutive days (4 weeks) from the policy start date to get 4 weeks free. The 4 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 28 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 28 consecutive days from the policy start date. Policyholder must also maintain direct debit and continue to hold an eligible product for 28 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 Medibank Live Better rewards 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/