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.

*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.

Choose an extras cover that suits you

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.

Waiting periods and annual limits may apply. 

# 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.

= 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’ Choice and Members’ Choice Advantage providers are not available in all areas. Two month waiting period applies. Other extras products may include dental check ups or other dental benefits, check your cover summary for details. Members’ Choice and Members’ Choice Advantage providers are not available in all areas. Two month waiting period applies. Other extras products may include dental check ups or 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.

^ You'll receive a fixed percentage back on specified services provided by Medibank Members' Choice providers only up to annual limits. 

~ 100% back for kids only applies to child and student dependants on specified services provided by Medibank Members' Choice providers up to annual limits.

Extras only offer - Want 6 weeks free plus a $50 gift card?

Join and maintain eligible Medibank extras cover and you could get 6 weeks free and 5,000 Live Better points to redeem on rewards such as a $50 gift card. Plus, we'll waive your 2&6 month waiting periods on extras. Use promo code: EXTRA6WEEKS. New members only.ᶲ

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Extras only offer

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My Choice Extras

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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ᶲ For new members on new memberships who join and start eligible extras cover from 1 May 2024 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 EXTRA6WEEKS when joining. Excludes Healthy Living Extras, combined Hospital & Extras cover, Corporate covers, Hospital Cover, Accident Cover, Ambulance Cover, Overseas Visitors Health Insurance, ahm covers and other selected covers. Not available to Medibank employees. Not available with any other offer. We reserve the right to amend these offer terms and conditions at any time without notice.  

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 cover for 42 consecutive days from the policy start date. 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 via the My Medibank App and track any Live Better activity within 42 consecutive days from the policy start date. Must be 16 years or over to register for Medibank Live Better. Live Better points could take up to 10 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 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 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/