Optical Insurance

Affordable eye care is within sight. Medibank extras give you 100% back for prescription glasses and contacts with any recognised provider, up to annual limits.~

Extras only offer - Want a $50 gift card and 2&6 month waits waived on extras?

Join and maintain eligible extras cover and you could get 5,000 Live Better Points to redeem on rewards such as a $50 gift card. We'll also waive your 2&6 month waiting periods on extras.ᶲ Promo code: EXTRAPOINTS

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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

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A great starting point for anyone new to health cover, offering flexible Extras that's better suited for the young and healthy.

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Extras (60% claimback

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

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Fuss-free, affordable cover that gives you access to some of the more common services to keep your general health in check.

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Extras (75% claimback) 

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 Only

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

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Extras (70% claimback

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 per person
$550 per membership

Physiotherapy#

Podiatry#

Chriopractic# & Osteotherapy

$600 combined limit

Natural therapies

Remedial massage#

$100 combined limit  

Dietetics 

Non-PBS pharmaceuticals

Antenatal/Postnatal services

Speech therapy

Mental health support

And more ...

$1000 combined limit  
Ambulance services^ Unlimited

Top Extras

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Youth Discount applied

Youth Discount not available

Our highest level of Extras cover to help you stay in tip-top shape from head to toe.

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Extras (75% claimback

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.

Claim 70% back on the costs of included treatments at Medibank Members' Choice providers, up to annual limits.                       

We've negotiated a capped price so you won't be charged more than the agreed price.

If your provider is not part of our Members' Choice network, we still pay benefits up to a fixed benefit, which may be less than the provider charges, but may help reduce your out-of-pocket expenses.

Claim 75% back on the costs of included treatments at Medibank Members' Choice providers, up to annual limits.                       

We've negotiated a capped price so you won't be charged more than the agreed price.

If your provider is not part of our Members' Choice network, we still pay benefits up to a fixed benefit, which may be less than the provider charges, but may help reduce your out-of-pocket expenses.

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.

Benefits of Medibank optical insurance:

Icon Price

100% back at recognised providers

100% back on optical, up to your annual limit, at almost any provider in Australia. That’s up to $250 of value a year. Some services, like lens coating, aren’t included, and you may need to serve a waiting period.

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.

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

~ 6 month waiting period applies. Some lens coatings excluded.

ᶲFor new members on new memberships who join and start eligible extras cover from 12 January 2023 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 EXTRAPOINTS when joining. Excludes 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 product for 28 consecutive days from the policy start date to receive Live Better points. 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 28 consecutive days from the policy start date. Must be 18 years or over and have a valid Australian residential address to register for Medibank Live Better. Live Better points could take up to 8 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 with ‘My Medibank’ or have linked their MyMedibank 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/  

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