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Is Extras Cover worth it?

Extras cover can help with the costs of your glasses, teeth cleaning, physio and more.

Take a proactive approach to your health

Extras cover is for services generally not covered by Medicare, such as dental, glasses and physiotherapy.

The best thing about Extras cover is you can take a proactive approach to your health and wellbeing with regular check-ups and treatments.

For most Extras services, there is generally no contribution from Medicare – zero, zilch, nada – so having private health insurance could be a handy way to help with some of the costs.

Explore Medibank Extras cover.

Still not convinced? Here are some of the perks of having Extras cover with Medibank.

Do you wear glasses?

You get 100% back on most optical items up to annual limits at any recognised provider. This includes frames, prescription lenses, prescription sunglasses and contacts (some lens coatings excluded.) Note that on some covers, fixed benefits and sub-limits apply.

Want a sparkling smile?

Medibank members with extras cover for 2 months or more can get 100% back on up to two dental check-ups every year, including x-rays, at any Members’ Choice Advantage dentist.^ Find out more.

Find a Medibank Members' Choice dentist.

Are you an active person?

Get help with the cost of preventing and treating any injuries, aches and pains to keep your body in top condition. All of our current Extras covers pay benefits towards physio (including hydro sessions and clinical pilates), chiro and osteo. Waiting periods and annual limits apply.

Feeling sore?

Medibank Extras cover can take the edge off the cost of remedial massage.

Putting your mental health first?

If you're taking a proactive approach to your own mental health, some Medibank Extras products provide benefits toward clinical psychology. Medibank products have no waiting period for clinical psychology benefits, so you can claim straight away (subject to annual limits).

Starting a family, or are the kids growing up?

If you’re thinking about starting a family or you have kids to care for, our
Growing Family Extras and Settled Families covers include provide many hospital services as well as Extras like dental, podiatry and more. These packages offer 100% back on Extras for kids at Members' Choice providers*.

Ready to get started?

Choosing the right Extras cover is all about understanding what you need. It helps to consider how much you want to claim back on the services you'll use the most.  Begin with Healthy Start Extras, or if you have kids take a look at our Growing Family or Top Extras.

Things you should know

Waiting periods

You will need to serve waiting periods before you can claim on Extras services under your cover, including 12 months for some dental services.

The amount you can claim is usually capped by annual limits (or in the case of orthodontics, over a lifetime limit).

Read the cover summary for more information.

Find out more about waiting periods.

Members' Choice

With over 13,000 providers, it's the largest in Australia.

At these health providers, we've negotiated great deals for Medibank members, including capped pricing and set percentage return for certain services.

You'll generally have lower out-of-pocket costs than you would if you used a provider outside our network.

Find a Medibank Members' Choice provider.

Canstar awarded ‘Outstanding Value Insurance’ 10 years in a row

We’re proud to deliver outstanding value health insurance products designed to suit your needs. But don’t just take our word for it.

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We're here to help

Drop in to one of our retail stores or talk with our expert staff online 24/7.

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Make the most of your cover

Check your extras balances with My Medibank, online or via the app.

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Supporting you

Speak to a nurse 24/7 on Medibank’s health advice line**.

+ Based on maximum agreed prices for Medibank Members at Members' Choice providers in NSW for a comprehensive oral exam, removal of calculus and fluoride.

* Up to annual limits, waiting periods apply, including 12 months for some dental services. Available for dependants either under 21 or under 25 full-time students.

** Hospital cover only.

^ Limited to two dental check-ups on all extras annually. Maximum two bitewing x-rays per check-up, where clinically needed. Not available in all areas.

This article contains product information about Medibank’s current extras covers: Healthy Start Extras, Basic Extras, Growing Families Extras Only, Top Extras, Everyday Starter, Everyday Essentials, Growing Families  Core, Settled Families Essentials, Growing Families Essentials Plus, Everyday Comprehensive, Growing Family Complete, Settled Families Comprehensive, Security Essentials, Security Comprehensive and Ultra Health Cover. If you are on a different extras cover, this information may not apply to you. Waiting periods apply include 12 months for some dental services.