Why Medibank Extras?
With Extras cover, you receive a range of benefits that reduce your out of pocket expenses when you claim on non-hospital services that aren’t normally covered by Medicare – like dental, optical, physio and so much more. The types of services you will receive benefits on will depend on the extras cover you select, the waiting periods and your annual or lifetime limits.
Across all of our Medibank Extras covers, you’ll get the below benefits which are just some of the ways we can help you to take charge of your health and wellbeing.
100% back on dental check-ups twice a year on eligible extras¹
Here’s something to smile about – Medibank members with eligible extras cover for two months or more 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 optical on eligible extras²
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.²
Unlimited emergency ambulance
No matter which hospital or extras policy you choose, you'll have the peace of mind that comes from knowing that your cover includes unlimited emergency ambulance.^
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.3
Extras only offer - Want 6 weeks free plus a $50 gift card?
Join and maintain eligible Medibank extras cover and you could get 6 weeks free and 5,000 Live Better points to redeem on rewards such as a $50 gift card. Plus, we'll waive your 2&6 month waiting periods on extras. Use promo code: EXTRA6WEEKS. New members only.ᶲ
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Explore some of our Extras cover options
*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.
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.
Waiting periods and annual limits may apply.
Awarded Outstanding Value Health Insurance 16 years running
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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Live Better, get rewarded
You could earn up to $400 worth of rewards every year.4
You can earn points by tracking healthy actions or visiting a Members Choice Advantage dentist. And if you're an eligible Medibank member with hospital or extras, these points can go towards rewards from select partners such as adidas, Fitbit, as well as select Apple products, extras limit increases or a $200 premium payment.5
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
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 Excludes Healthy Living Extras and select products that are no longer available for sale (for more information check your cover summary or check this page). Applies to prescription glasses and select contact lenses. Some glasses lens coatings and contact lenses are excluded. To find which specific items are included or excluded, call us on 132 331. 6 month waiting period applies.
3 Members’ Choice providers are not available in all areas and may change without notice.
4 Medibank Live Better Challenges & Goals Earning Policy: The participant of a Medibank Live Better Challenge or Goal may not receive Live Better points or may have their already credited Live Better points reversed in accordance with the Medibank Live Better terms and conditions. To earn Live Better points, the participant needs to properly complete 100% of the eligible Challenge according to the instructions. The number of Live Better points available for Medibank Live Better Challenges and Goals is subject to change without prior notice. The maximum number of Live Better points that each Medibank Live Better member can earn from successfully completing health and wellbeing Challenges, Goals or any Onboarding action in a calendar year is 40,000 Live Better points. To the extent of any inconsistency between this Policy and the Medibank Live Better terms and conditions, the terms and conditions will take precedence.
5 Must be 18 years or over and have a valid Australian residential address to register for Medibank Live Better. Must be a Medibank member with 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. Excludes Overseas Visitor health cover, Working Visa health cover, Overseas Student Health Cover (OSHC), Ambulance only cover, ahm covers and other selected covers. 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.
^ Waiting period applies. For ambulance attendance or transportation to a hospital where immediate professional attention is required and your medical condition is such that your couldn't be transported any other way. Tasmania and Queensland have State schemes to cover ambulance services for residents of those States.
# Medibank has Members' Choice providers for these services. Not available in all areas.
ᶲ For new members on new memberships who join and start eligible extras cover from 1 May 2024 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 EXTRA6WEEKS when joining. Excludes Healthy Living Extras, combined Hospital & Extras cover, 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 cover for 42 consecutive days from the policy start date. 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 42 consecutive days from the policy start date. Must be 16 years or over to register for Medibank Live Better. Live Better points could take up to 10 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 via the ‘My Medibank’ app 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/
€ For new members on new memberships who join and start eligible combined Bronze hospital and extras cover or above from 22 April 2024 and who have not held Medibank health cover in previous 60 days (unless they are dependents coming off their parent’s cover). Must quote promo code ‘6WEEKSPLUS’ and set up direct debit when joining. Excludes Hospital only cover, Extras only cover, Basic covers, Corporate covers, Accident Cover, Ambulance Cover, Overseas Visitors Cover (OVC), Overseas Students Health Cover (OSHC), Overseas Workers Health cover, Travel Insurance, Pet Insurance, Funeral Insurance, Life Insurance & Income Protection, ahm covers and all corporate covers. Not available with any other offer. Medibank may end this offer or amend these offer terms and conditions at any time without notice. Medibank employees are not eligible for this offer.
6 weeks free terms: Must maintain direct debit and hold eligible cover for 42 consecutive days from the policy start date to get next 6 weeks free. The 6 weeks free will not be issued if you change to an ineligible cover, terminate your cover or suspend your cover during this period.
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.
Live Better points terms: Must maintain direct debit and hold eligible product for 42 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 42 consecutive days from the policy start date. Policyholder must also maintain direct debit and continue to hold an eligible product for 42 consecutive days from the policy start date to receive the Live Better points. Must be 16 years or over and have a valid Australian residential address to register for Medibank Live Better. Live Better points could take up to 10 weeks from the policy start date to be loaded to the policyholder’s Live Better account. Singles and single parents will receive 25,000 Live Better points, and families and couples will receive 50,000 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 via the ‘My Medibank’ app 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/