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100% back on dental check-ups twice a year on eligible extras*
With eligible extras cover you get 100% back on up to two check-ups each year at a Members' Choice Advantage Dentist (including bitewing x-rays where clinically required).*
100% back on optical on eligible extras^
When you join eligible Medibank extras cover you get 100% back on optical items at all recognised providers up to annual limits.^
Earn Live Better points with our Members Choice Advantage network
Members on Medibank extras covers (except Healthy Living Extras) can earn 1,000 Live Better rewards points for each dental check-up (up to 2 checks per year) at any Members' Choice Advantage dentist. Members with Healthy Living Extras can earn 1,000 Live Better rewards points for one dental check-up per year at any Members’ Choice Advantage dentist.~
You could also earn 5 Live Better rewards points for every dollar you spend on prescription items from our Members’ Choice Advantage optical provider Specsavers. Offer available instore and online to eligible Medibank members with optical included in their extras cover, or in store only for eligible Medibank members with hospital cover or Healthy Living Extras cover.#
100% back on kids extras
Looking after your family can be costly, so we provide 100% back on extras for kids on Silver Plus Families & Growing Family covers at Members’ Choice providers, up to annual limits3.
Awarded Outstanding Value Health Insurance 17 years running
We're proud to deliver award-winning health insurance products, but don't just take our word for it. Canstar have awarded Medibank an outstanding value award for health insurance in Australia for the 17th year in a row.
Things you should know
* 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 dentist (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 dentist (including up to two bitewing x-rays, where clinically required) or at a Members’ Choice dentist (excluding x-rays). Members with Gold Ultra Health can get 100% back on general dental at a Members’ Choice or Members’ Choice Advantage provider, with no annual limit. 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.
^ 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.
** Some claims, like paper based, may take longer to update.
3 Up to annual limits, waiting periods apply, including 12 months for some dental services. For child (up to 21 years) and full-time student (up to 31 years) dependants. Only at Members’ Choice providers, which are not available in some areas.
~ Maximum 1,000 points per member per calendar year for Healthy Living Extras. Maximum 2,000 points per member per calendar year for all other extras. Award of Live Better rewards points is subject to the approval of a claim for the health service. Waiting periods may apply. Not available in all areas. Points will be credited to a members' account only when the member registers as a Live Better rewards member within 6 months from the date of the receiving the health service, subject to the Medibank Live Better rewards terms. Must be a Medibank member with extras cover (excludes ambulance only cover), hospital cover or hospital and extras cover, be up-to-date with premium payments and have signed up to Medibank Live Better with the My Medibank app to redeem rewards. See full Medibank Live Better terms.
# Points cannot be earned on the cost of any services (including eye tests), on purchases paid for with a Specsavers gift card or on non-prescription goods such as non-prescription sunglasses, safety glasses, protective glasses or precision tinted lenses. All optical items offered are subject to availability and are subject to Specsavers Terms of Service and Returns & Warranty policies. For in-store purchases, you must use your Medibank membership card through HICAPS at the time of purchase to earn Live Better rewards points. This applies even if you have hospital only cover or have already reached your annual optical extras limit. If you have extras cover and any annual optical extras limit remaining, you will also be submitting a claim for benefits. For online purchases at https://www.specsavers.com.au/, you must submit an extras claim for prescription optical goods to earn Live Better rewards points. Members with hospital only cover, or Healthy Living Extras cover cannot earn points for online purchases. Points earned will be displayed in your Live Better rewards account within 5 business days, or once you have signed up to Medibank Live Better rewards with the My Medibank app within 6 months, from the date of your in-store purchase or making an extras claim for online purchases. A maximum of 10,000 Live Better rewards points can be earned per transaction. This offer may be withdrawn or changed at any time. Live Better rewards points earned from claims for children under 18 years of age will go to the policy holder’s account. A maximum of 10,000 Live Better rewards points can be earned per transaction. This offer may be withdrawn or changed at any time.