= 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.
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.
Extras only offer - Want a $50 gift card and 2&6 month waits waived?
Join and maintain eligible Medibank extras cover and you could get 5,000 Live Better rewards points to redeem on rewards such as a $50 gift card. Plus, we'll waive 2&6 month waiting periods on extras. Use promo code: EXTRAPOINTS. New members only.ᶲ
Your cover also includes
Extras cover
- You choose the cover to suit your budget and lifestyle - 60% or 75% back from Members' Choice Providers.
- Cover to help you look after your day-to-day health and wellbeing, plus a range of extras services to help your body move better.
- 100% back for kids at Members' Choice providers, up to annual limits.##
- 100% back on annual flu vaccinations up to annual limits.^^
| Inclusions | Annual limits per person | Waiting period | |
|---|---|---|---|
| Claim back percentage: | 60% | 75% | |
| Claim back percentage: | |||
| N/A | N/A | 1 day | |
| 2 months | |||
| $400 | $750 | 2 months | |
| $350 | $450 | 12 months | |
| $150 combined limit | $200 combined limit | 6 months | |
| 2 months | |||
| $200 combined limit | $400 combined limit | Nil | |
| 2 months | |||
| 2 months | |||
| $300 combined limit | $400 combined limit | 2 months | |
| 2 months | |||
| 2 months | |||
| 2 months | |||
| $150 | $200 | 2 months | |
What are annual limits?
The maximum amount of benefits payable towards services, items or groups of services and/or items in a calendar year.
Switching health funds?
Benefits paid under your previous cover will be taken into account in determining the benefits payable under your Medibank cover.
What is a waiting period?
The time you need to wait before you can receive benefits for services or items listed in your cover.
When do they apply?
To new members, or when switching to a higher level of cover.
Switching funds?
If you're switching from another health fund, on similar cover, we'll recognise waiting periods already served.
Extras costs explained
Extras cover gives you money back for non-hospital services such as dental, physio, optical and more.
The amount of money you can claim back depends on the level of cover you have. Generally speaking, the higher the level of cover, the higher your annual limit and higher the percentage you can claim back. Which means more money back in your pocket.
- 100% back on at least one dental check-up and clean each year at a Members’ Choice or Members’ Choice Advantage provider.1
- 100% back on optical items at all recognised providers up to annual limits. Excludes Healthy Living Extras.±
- Access to Members’ Choice, one of the largest health provider networks in Australia, covering more than 12,000 providers. We’ve set maximum prices that these providers can charge, so you’ll avoid any surprises when the bill arrives
With a Members' Choice provider, you'll receive a fixed % back on services, up to your annual limits.
If your extras provider isn't part of our Members' Choice network don't worry. As long as they're a Medibank recognised provider, we'll still pay a fixed amount for each service or item, up to your annual limits.
Combine My Choice Extras Move with Hospital cover
To stay on top of your health, why not combine Hospital cover with your Extras cover? The covers below can help you get better day-to-day value from your health cover.
The amount you pay before Medibank contributes to your hospital costs.
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.
Why choose Medibank?
Mental health support - Psychology & Counselling
You shouldn’t have to wait to claim for mental health support. That’s why there are no waiting periods on counselling and psychology consultations on Medibank extras and packaged products.∞
100% back on dental check-ups twice a year on eligible extras1
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).1
Medibank Live Better
Medibank cares about the health and wellbeing for all Australians. That’s why we’ve created Live Better, to help you towards a better, healthier life, and reward eligible members for their loyalty.≈
30 day cooling off period
If you're not completely happy with your cover in the first 30 days of joining, let us know and we'll transfer you to a more suitable cover or refund your premiums (as long as no claims have been made).
Want to discuss your options?
Leave your details and a Medibank expert will be in touch to take you through your options. In providing your telephone number, you consent to Medibank contacting you about health insurance.
^Tasmania and Queensland have State schemes that cover ambulance services for residents of those States.
+ Covers with Restricted or Excluded services will be treated as Included services where treatment is required for injuries sustained in an Accident that occurs after joining this cover. Treatment must be sought within 7 days of the Accident. Excludes claims covered by third parties such as Workcover and our Private Room Promise. Out of pockets may apply. Refer to your Cover Summary.
# Medibank has Members' Choice providers for these services. Not available in all areas.
~ Some items and services may require a Referral Letter and may have a benefit replacement period. Please see the Cover Summary or Member Guide for more information.
** Waiting periods apply. Subsequent consultations will have an out of pocket cost.
± 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.
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.
## Waiting periods apply, including 12 months for some dental services. Applies to Child and Student Dependants only, up to annual limits. Members' Choice providers not available in all areas.
^^ Waiting period applies.
∞ Annual limits apply. Counsellors must be registered with Australian Counselling Association or Psychotherapy and Counselling Federation of Australia or Australian Traditional Medicine Society.
≈ Must be 16 years or over to register for Medibank Live Better rewards in the My Medibank app. Some program partners and earning activities require a person to be at least 18 years of age to be eligible to earn and/or redeem a reward. Must be a Medibank member with hospital cover, extras cover, or hospital and extras cover, and be up-to-date with premium payments. Excludes Overseas Student Health Cover (OSHC), Ambulance only cover, ahm covers and other selected covers. Live Better Management Pty Ltd, ACN 003 457 289 has entered into commercial arrangements with Medibank Live Better program partners and may receive commissions. Please choose carefully as rewards will not be amended, cancelled, exchanged or refunded due to change of mind. Points earning activities and rewards are subject to change without prior notice and may be subject to availability. Additional terms and conditions may apply to points earning activities and rewards. See full Medibank Live Better rewards terms.
£ 12 month waiting period applies for sleep studies. 12 month waiting period applies for CPAP type devices. Eligibility requires overnight investigation for sleep apnoea (sleep study) for which Medicare benefit is payable and the device is purchase or hired within the 12 months following the sleep study. A maximum benefit of $500 is payable within a 5-year rolling period.
Ω Other out–of–pocket expenses may apply.
> Two month waiting period applies. We'll pay a benefit up to an annual limit per membership towards any admission fee ("facility fee") charged by the Private Hospital for patients attending a Private Accident and Emergency Department. The fee amount varies by Private Hospital and does not include medical and other charges (such as charges for diagnostic imaging or pathology), so out of pocket expenses may still apply. Only available at Private Hospitals with an Accident and Emergency Department. Members will need to submit a claim to receive the benefit and may have to pay upfront.
¥¥ Some referred services may involve out of pocket costs and waiting periods may apply.