Take a proactive approach to your health
Extras cover is for services generally not covered by Medicare, such as dental, glasses and physiotherapy.
The best thing about Extras cover is you can take a proactive approach to your health and wellbeing with regular check-ups and treatments.
For most Extras services, there is generally no contribution from Medicare – zero, zilch, nada – so having private health insurance could be a handy way to help with some of the costs.
Explore Medibank Extras cover.
Still not convinced? Here are some of the perks of having Extras cover with Medibank.
Do you wear glasses?
You get 100% back on most optical items up to annual limits at any recognised provider. This includes frames, prescription lenses, prescription sunglasses and contacts (some lens coatings excluded.) Note that on some covers, fixed benefits and sub-limits apply.
Want a sparkling smile?
Medibank members with eligible extras cover for 2 months or more can get 100% back on up to two dental check-ups every year, including x-rays, at any Members’ Choice Advantage dentist.^ Find out more.
Find a Medibank Members' Choice dentist.
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 (including hydro sessions and clinical pilates), chiro and osteo. Waiting periods and annual limits apply.
Feeling sore?
Medibank Extras cover can take the edge off the cost of remedial massage.
Putting your mental health first?
If you're taking a proactive approach to your own mental health, some Medibank Extras products provide benefits towards psychology and counselling. Medibank extras products have no waiting period for outpatient psychology or counselling benefits, so you can claim straight away (subject to annual limits).
Starting a family, or are the kids growing up?
If you’re thinking about starting a family or you have kids to care for, our
Growing Family Extras and Silver Plus Families covers include provide many hospital services as well as Extras like dental, podiatry and more. These packages offer 100% back on Extras for kids at Members' Choice providers*.
Ready to get started?
Choosing the right Extras cover is all about understanding what you need. It helps to consider how much you want to claim back on the services you'll use the most. Begin with Healthy Start Extras, or if you have kids take a look at our Growing Family or Top Extras.
Things you should know
Waiting periods
You will need to serve waiting periods before you can claim on Extras services under your cover, including 12 months for some dental services.
The amount you can claim is usually capped by annual limits (or in the case of orthodontics, over a lifetime limit).
Read the cover summary for more information.
Members' Choice network
With over 17,000 provider locations, it's one of the largest in Australia.
At these health providers, we've negotiated great deals for Medibank members, including capped pricing and set percentage return for certain services.
You'll generally have lower out-of-pocket costs than you would if you used a provider outside our network.
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.
We're here to help
Drop in to one of our retail stores or talk with our expert staff online 24/7.
Make the most of your cover
Check your extras balances with My Medibank, online or via the app.
Supporting you
Health concerns keeping you up at night? Members with hospital cover are supported by Medibank nurses on our 24/7 Medibank Nurse phone service.**
Things you should know
+ Based on maximum agreed prices for Medibank Members at Members' Choice providers in NSW for a comprehensive oral exam, removal of calculus and fluoride.
* Waiting periods apply, including 12 months for some dental services. For child (up to 21 years) and full-time student (up to 25 years) dependants. Members’ Choice providers not available in all areas.
** OSHC members should call the Student Health & Support Line on 1800 887 283
^ 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. Some products may have other dental benefits, check your cover summary for details.
This article contains product information about Medibank’s current extras covers: Medibank Gold Ultra Health, Medibank Gold Growing Family, Medibank Gold Complete and Top Extras, Medibank Gold Complete and Healthy Start Extras, Medibank Gold Complete and Essential Extras, Medibank Silver Plus Security and Top Extras, Medibank Silver Plus Security and Healthy Start Extras, Medibank Silver Plus Security and Essential Extras, Medibank Silver Plus Growing Family, Medibank Silver Plus Families, Medibank Silver Plus Assured and Top Extras, Medibank Silver Plus Assured and Healthy Start Extras, Medibank Silver Plus Assured and Essential Extras, Medibank Silver Everyday and Top Extras, Medibank Silver Everyday and Healthy Start Extras, Medibank Silver Everyday and Essential Extras, Medibank Bronze Plus Progress and Top Extras, Medibank Bronze Plus Progress and Healthy Start Extras, Medibank Bronze Plus Progress and Essential Extras, Bronze Plus Growing Family, Medibank Bronze Everyday and Healthy Start Extras, Medibank Bronze Everyday and Essential Extras, Medibank Basic Plus Healthy Start and Top Extras, Medibank Basic Plus Healthy Start and Healthy Start Extras, Medibank Basic Plus Healthy Start and Essential Extras, Medibank Basic Everyday Starter. If you are on a different extras cover, this information may not apply to you. Waiting periods apply include 12 months for some dental services.