What is extras cover?
In Australia, some health services – like dental, optical and physio services – may not be covered by your overseas health insurance. That’s where extras cover comes in handy. Extras cover can help you keep costs down for everyday health needs, like buying new prescription glasses or a dental check-up.
It's easy to add Medibank extras to your existing Medibank OSHC, Medibank Overseas Workers Health Cover, or ahm OSHC.
Call our friendly team on 134 190 to join over the phone and we can help find the right extras cover for you.
Want around $500 in value on your dental checkups?
At a Members’ Choice Advantage dentist, the national average cost of a dental check-up and clean is $265 and if you visit twice a year, you could be spending around $530. With eligible extras, you can get 100% back on up to two check-ups on top of your annual limits at a Members’ Choice Advantage dentist (excluding Healthy Living Extras and Gold Ultra Health members).1
Check out some of our extras options
Don’t let a toothache or strained eyes – or the cost of treating them – keep you away from work or study.
Eligible members that join with promo code 'EXTRAS8COVER' can get 8 weeks free and use their extras cover right away with 2 & 6 month waiting periods waived.*
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.
Note for OSHC members: Extras products contain inclusions for some categories of benefits that are covered by OSHC products, including Ambulance cover, access to non-PBS pharmaceuticals, and eye tests; please consider this when deciding whether to purchase an Extras product.
Note for all Overseas members: if you are not eligible for Medicare, you are generally not eligible to receive the Australian Government Rebate (AGR) in respect of Extras products.
Why Medibank extras?
100% back on dental check-ups twice a year
Here's something to smile about – all Medibank members with extras cover get 100% back on up to two dental check-ups every year, including x-rays, at any Members' Choice Advantage dentist.¹
100% back on most optical items
Everyone deserves to see the world clearly. That’s why when you join Medibank extras and serve any waiting periods, you get 100% back on most optical items at all recognised providers up to annual limits.3
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. Most of our current Extras covers pay benefits towards physio, chiro, osteo and remedial massage.
Members' Choice Network
With over 3,600 provider practices, our Members' Choice extras network is one of the largest in Australia. Our Members’ Choice network generally offers members greater value from their Extras cover, with things such as capped fees or discounts to help reduce out-of-pocket expenses.2
Want around $230 back in value on your physio session?
At a Medibank Members’ Choice Advantage provider, the national average cost of a physio session is around $112 for the initial consult and $91 for any subsequent consults. If you needed four sessions, this could cost around $385. With Healthy Start Extras cover, you can claim back 60% of these costs at a Members’ Choice Advantage provider, so you would only pay around $154 - giving you around $231 back in value.2
My Medibank App
No need to wait! Make a claim directly through the app as soon as you’ve visited your physio, dentist, chiro or any other extras provider. You can even check your service limits, claims history and the status of claims you’ve made.
Things you should know
* For existing members on Medibank OSHC, ahm OSHC and Medibank Overseas Workers Health Cover who have not held any Medibank health cover that includes extras cover in the last 120 days, who join and maintain eligible Medibank extras cover from 1 May 2025. Must quote promo code EXTRAS8COVER 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, Hospital ONLY cover, Accident ONLY cover, Ambulance ONLY cover, Overseas Visitors Cover (OVC), Travel Insurance, Pet Insurance, Funeral Insurance, Life Insurance & Income Protection, ahm covers and all corporate covers. Not available to Medibank employees. Not available with any other offers except the Overseas Retention offer, Students to Workers One Month Free offer and Graduate Worker 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.
¹ 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.
² Members’ Choice and Members’ Choice Advantage providers are not available in all areas and may change without notice. Waiting periods and annual limits apply.
3 Excludes Healthy Living Extras. Applies to prescription glasses and select contact lenses. Some lens coatings are excluded. 6 month waiting period applies.