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 For new members on new memberships who join and maintain eligible extras cover by 30 June 2026 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 EXTRA8WEEKS 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. 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.

Weeks free terms: Must set up direct debit when joining and hold eligible cover for 42 consecutive days from the policy start date to get initial 6 weeks free, and for 14 consecutive months to receive subsequent 2 weeks free. The initial 6 weeks free will be applied at the next billing cycle after you have held eligible cover for 42 consecutive days. The subsequent 2 weeks free will be applied at the next billing cycle after you have held eligible cover for 14 months. The initial 6 weeks free and/or the subsequent 2 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 points terms: Must maintain direct debit and hold eligible Extras cover for 42 consecutive days after the policy start date to receive 5,000 Live Better points (which may be redeemed for up to $50 in gift cards). If you change to an ineligible cover during this period, or you terminate or suspend your cover, the Live Better points will not be issued. 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 a 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.

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 with ‘My Medibank’ and have linked their My Medibank 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/

⁼ 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.

^± 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.