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Your 2019 Extras cover premium

Your premium is set to change on 1 April, 2019. We’ll help you understand the changes to your premium, as well as the improvements we’ve made to help you get the most value from your health cover.

Changes for the better. Driven by you.

We understand that private health insurance can be a significant investment. We’ve been focusing hard at our end to deliver better value and support, by working closely with doctors, policy makers, and experts in medical technology. But perhaps most important of all, we’ve been listening to what our members have to say. Here are the recent changes we’ve made below, driven by you.

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100% back on up to two dental check-ups

We know our members want greater everyday value when it comes to extras. That’s why you can now get 100% back on up to two dental check-ups every year, for everyone on your cover, at any Members’ Choice Advantage dentist, subject to waiting periods#.

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Say goodbye to out-of-pocket surprises for Extras

No one likes an out-of-pocket surprise, so we developed a feature in our app to help most members estimate benefits and gaps for select Extras claims. You can also use the app to check your limits, make a claim for most extras and find a Members’ Choice provider. Download the Medibank Mobile App here to get started.

Medibank Free + Active 

We want Australians to get together and get moving. Our goal is to help build happier, healthier, more connected communities by supporting our favourite partners to bring you free and social activity and make it more accessible to more Australians.

Reasons to keep your Extras cover in 2019 and beyond

100% back on optical 

Depending on your Extras cover you could get 100% back on optical, up to your annual limit, at almost any provider in Australia. Waiting periods apply and some services, like lens coating, aren’t included.

Supporting you to stay on top of your health 

Aside from the necessities – including things like Emergency Ambulance~ - Extras cover is there to help you look after your day-to-day health. That’s why we encourage you to use your cover for things like going to the dentist and physio. Most annual limits renew each year, so check your limits and any waiting periods on the Medibank Mobile App or at

Is it time for Hospital cover?

Below are some common hospital procedures for different life-stages and the potential 
costs involved. You can also use our handy tool to learn more about common hospital procedures for someone like you.

**Out-of-pocket expenses:

This chart shows approximate costs based on claims data for this procedure at Medibank Members' Choice Hospitals. It doesn't include out-patient costs where you aren't admitted into hospital, or doctors' fees that aren't disclosed to us (eg. booking fees).

When a medical out-of-pocket expense occurs, it is typically due to the charges for: principal specialist/surgeon, anaesthetist, assistants, diagnostics (eg. lab tests, medical imaging) and other specialists.

Important information:

This is not a quote and should be used as a guide only. The chart above shows a median view of costs for procedures (according to MBS item numbers or Adjacent DRGs) undertaken at Members’ Choice hospitals, based on Medibank in-patient claims data received electronically (between 1/7/2017 and 30/06/2018) for Australian residents and excludes those claims where a medical out-of-pocket expense has not occurred. We recommend you contact us prior to any hospital admission to: check whether the procedure is an included, limited or excluded procedure under your policy; confirm whether you have served relevant waiting periods; and discuss any out-of-pocket expenses you may incur. You should also speak to your doctors and the hospital to discuss any out-of-pocket expenses you may incur. Benefits may not be available in the first 12 months of cover if the procedure relates to a pre-existing condition.

Why premiums are reviewed annually

Reviewing premiums is necessary to keep pace with both the rising cost of healthcare, and the increasing number of treatments sought by Australians. Here’s some of the reasons why premiums are changing.

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Better quality healthcare

In Australia, we enjoy some of the best healthcare in the world. New and improving technologies mean better treatment, but they can come at a price. These technologies are often expensive to implement, and contribute to higher overall costs in the health sector.

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Our ageing population

It’s great news that Australians, on the whole, are living longer. But the longer we live, the more healthcare we’re likely to need. Generally speaking, increasing life expectancy equals increasing premiums.

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Decreasing government rebates

The Australian Government Rebate on private health insurance has been steadily decreasing each year.

Improving affordability

We believe ongoing industry-wide change is needed to address broader issues around the value of health insurance. And we’ve embraced several new initiatives to make a start; like the Youth Discount that applies from 1 April 2019, and provides a financial incentive, for Australians aged between 18 and 29, to take up and maintain eligible hospital cover.

Are you on the right cover?

Everyone benefits from a quick health check now and then. And the same goes with your health insurance.

We know that affordability will always be important for our members. If your circumstances have changed since we last spoke, it may be a good time to review your cover and check if a different cover option may be more suitable.

Answer a few quick questions to find out whether your cover is still right for you, and request a callback to chat about your options.

Check my cover

Frequently asked questions

Things you should know:

#  Limited to two dental check-ups annually across all extras. Not available in all areas. 

~ Waiting period applies. For ambulance attendance or transportation to a hospital where immediate medical attention is required and your condition is such that you couldn’t be transported any other way. Tasmania and Queensland have State schemes providing ambulance services for residents.