Optical Insurance

At Medibank we think you deserve to see the world clearly. That’s why when you join eligible Medibank extras you get 100% back on optical items at all recognised providers up to annual limits.~

Get 6 weeks free on Extras cover

Join and maintain eligible Medibank Extras cover and you could get:

  • 6 weeks free 
  • 5,000 Live Better rewards points to redeem on rewards such as a $50 gift card
  • 2&6 month waiting periods waived on extras

Offer ends 19 August 2026 11:59 AET. New members only.ᶲ

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*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

Young Adult Discount applied

Young Adult Discount not available

Flexible Extras cover with combined limits so you can invest in your health while you’re young.

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Extras (60% claim back

Covers Annual limits

General dental#

Major dental#

Physiotherapy

Dietetics

Chriopractic# & Osteotherapy

Mental health support

Non-PBS pharmaceuticals

$500 combined limit

Optical items#

Remedial massage#

Natural therapies

$150 combined limit
 
Ambulance services^
Unlimited

Essential Extras

from

Young Adult Discount applied

Young Adult Discount not available

Practical Extras cover with access to common services that can help you prioritise your health.

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Extras (75% claim back) 

Covers Annual limits
General dental# $750 limit
Optical Items# $200 limit

Physiotherapy#

Chriopractic# & Osteotherapy

$450 combined limit

Natural therapies

Remedial massage#

$100 combined limit  
Ambulance services^ Unlimited

Growing Family Extras

from

Young Adult Discount applied

Young Adult Discount not available

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

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Extras (70% claim back

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

Physiotherapy#

Podiatry#

Chriopractic# & Osteotherapy

$600 combined limit

Natural therapies

Remedial massage#

$250 combined limit  

Dietetics 

Non-PBS pharmaceuticals

Antenatal/Postnatal services

Speech therapy

Mental health support

And more ...

$1000 combined limit  
Ambulance services^ Unlimited

Top Extras

from

Young Adult Discount applied

Young Adult Discount not available

One of our most comprehensive Extras covers with various claim back options to suit your budget.

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Extras (75% claim back

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.

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.

 Counsellors must be registered with Australian Counselling Association, Psychotherapy and Counselling Federation of Australia, Australian Traditional Medicine Society. Mental Health Social Workers must hold a mental health accreditation by the Australian Association of Social Workers. Medibank will pay benefits towards pharmacogenetic tests for all conditions. Benefits will only be paid towards pharmacogenetic tests administered in-person, or for approved home kits where supporting documentation from a medical practitioner outlining the clinical purpose is supplied.

Benefits of Medibank optical insurance:

Icon Price

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.~

Icon optical

Discounts on optical

A discount of at least 20% on most frames and lenses, and 15% on contact lenses, at Members’ Choice optical retailers.

What's included in optical extras cover?

New specs, contact lenses, and prescription sunnies are included in all Medibank extras cover. Waiting periods and annual limits apply.~

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Leave your details and a Medibank expert will be in touch to take you through your options. In providing your telephone number, you consent to Medibank contacting you about health insurance.

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?

Things you should know

~ Excludes Healthy Living Extras. Applies to prescription glasses and select contact lenses. Some lens coatings are excluded. 6 month waiting period applies.

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/