Purchase a tailored extras cover that pays a percentage back at any recognised extras provider (subject to limits)
Members' Choice extras providers may not be available in all areas.
Find your nearest Members' Choice provider.
Extras covers are only available with Rio Tinto Better Health hospital covers.
Talk with a Medibank cover specialist.
90% back at any recognised provider, plus 100% back on optical items (subject to limit).4
Exceptional extras cover for a range of health services and items such as general and major dental, orthodontics, physio, chiro, health appliances, health support benefits, audiology, laser eye surgery and more, plus 100% back on optical (subject to limits).4
Extras 90 Boost must be taken with an eligible hospital cover of your choice
When you visit a recognised extras provider for eligible services, you'll get 90% of the charge back (subject to annual limits), and any dependants on the policy will get 100% back at any Members’ Choice provider (subject to annual limits)2. You will also get 100% back on your first consultation at a Members’ Choice provider each year for one of the following services – physiotherapy, chiropractic, remedial massage, acupuncture or podiatry.3.
You can access greater value by visiting a Members' Choice extras provider for discounted products and services. Medibank has negotiated with many healthcare professionals on your behalf, so you won't be charged more than the agreed price.
Benefits are subject to limits, including annual, lifetime and maximum benefit limits. An annual limit is the maximum amount we'll pay for items or services or groups of items or services in a calendar year.
A lifetime limit is the maximum cumulative benefit we pay over your lifetime towards an item or service (e.g. orthodontics). When you reach this limit, you can no longer claim that benefit again, even if you change your cover.
The benefit we pay for a particular item or service may be less than your annual limit and less than your provider's charge which means may have out-of-pocket expenses to pay. Benefits will be subject to the maximum price a Members' Choice provider is permitted to charge or the maximum benefit payable set by Medibank at a Non-Members’ Choice provider.
If you have Extras 90 Boost cover, your orthodontics benefits start with an opening balance that you can access once you have served the 12-month waiting period. Every year on 1 January after this waiting period has been served the balance is topped up with an additional amount up to the maximum lifetime limit.
Benefit replacement periods may apply for some services/items. More information on benefit replacement periods.
For further information please see our cover summary
85% back at any recognised provider, plus 100% back on optical items (subject to limit).4
Comprehensive extras cover for a range of health services and items such as general and major dental, orthodontics, physio, chiro, health appliances and more, plus 100% back on optical4 (all benefits subject to limits).
Extras 85 must be taken with an eligible hospital cover of your choice.
When you visit a recognised extras provider for eligible services, you'll get 85% of the charge back (subject to limits).
You can access greater value by visiting a Members' Choice extras provider for discounted products and services. Medibank has negotiated with many healthcare professionals on your behalf so you won't be charged more than the agreed price.
Benefits are subject to limits, including annual, lifetime and maximum benefit limits. An annual limit is the maximum amount we'll pay for items or services or groups of items or services in a calendar year.
A lifetime limit is the maximum cumulative benefit we pay over your lifetime towards an item or service (e.g. orthodontics). When you reach this limit, you can no longer claim that benefit again, even if you change your cover.
The benefit we pay for a particular item or service may be less than your annual limit and less than your provider's charge which means may have out-of-pocket expenses to pay. Benefits will be subject to the maximum price a Members' Choice provider is permitted to charge or the maximum benefit payable set by Medibank at a Non-Members’ Choice provider.
If you have Extras 85 cover your orthodontics benefits start with an opening balance that you can access once you have served the 12-month waiting period. Every year on 1 January after this waiting period has been served the balance is topped up with an additional amount up to the maximum lifetime limit.
Benefit replacement periods may apply for some services/items. More information on benefit replacement periods.
For further information please see our cover summary
70% back at any recognised provider, plus 100% back on optical items (subject to limit).4
Cover for key extras services including general and major dental, physio and chiro, plus 100% back on optical4 (all benefits subject to limits).
Extras 70 must be taken with an eligible hospital cover of your choice.
When you visit a recognised extras provider for eligible services, you'll get 70% of the charge back (subject to limits).
You can access greater value by visiting a Members' Choice extras provider for discounted products and services. Medibank has negotiated with many healthcare professionals on your behalf so you won't be charged more than the agreed price.
Benefits are subject to annual and maximum benefit limits. An annual limit is the maximum amount we'll pay for items or services in calendar year. The benefit we pay for a particular item or service may be less than your annual limit and less than your provider's charge which means may have out-of-pocket expenses to pay. Benefits will be subject to the maximum price a Members' Choice provider is permitted to charge or the maximum benefit payable set by Medibank at a Non Members' Choice provider.
Benefit replacement periods may apply for some services/items. More information on benefit replacement periods.
For further information please see our cover summary
55% back at any recognised provider, plus 100% back on optical items (subject to limit).4
Affordable cover for key extras services including general dental, physio and chiro, plus 100% back on optical4 (all benefits subject to limits).
Extras 55 must be taken with an eligible hospital cover of your choice.
When you visit a recognised extras provider for eligible services, you'll get 55% back of the charge back (subject to limits).
You can access greater value by visiting a Members' Choice extras provider for discounted products and services. Medibank has negotiated with many healthcare professionals on your behalf so you won't be charged more than the agreed price.
Benefits are subject to annual and maximum benefit limits. An annual limit is the maximum amount we'll pay for items or services in calendar year. The benefit we pay for a particular item or service may be less than your annual limit and less than your provider's charge which means may have out-of-pocket expenses to pay. Benefits will be subject to the maximum price a Members' Choice provider is permitted to charge or the maximum benefit payable set by Medibank at a Non Members' Choice provider.
Benefit replacement periods may apply for some services/items. More information on benefit replacement periods.
For further information please see our cover summary
*Price varies from state to state and is calculated for single membership in NSW. Prices assume 0% Australian Government Rebate on Private Health Insurance and nil Lifetime Health Cover Loading.
: Services we don't pay benefits towards
Annual limit and benefits replacement periods may apply. See frequently asked questions for more information
1. For Extras 55 and Extras 70, members can claim a maximum of two 100% back dental check-ups per member, per year – either two check-ups at a Members’ Choice Advantage dentist (including up to two bitewing x-ray per check up where required), or a first check-up at a Members’ Choice dentist (excluding x-rays) and a second check-up at a Members’ Choice Advantage dentist. For Extras 85 and Extras 90 Boost, members can claim a maximum of two 100% back dental check-ups per member, per year – the first check-up can be at any recognised dentist. The second check-up must be at a Members’ Choice Advantage dentist. Bitewing x-rays where required are included only at a Members’ Choice Advantage dentist (up to two per check-up). These check-ups do not count towards annual limits.
2. Waiting periods apply, including 12 months for some dental services. For child and full-time student dependants. Members' Choice providers not available in all areas.
3. 100% back on your first Members’ Choice consultation each year is for your first service at one of the following Members’ Choice providers – physiotherapy, chiropractic, remedial massage, podiatry or acupuncture, up to annual limits. Waiting periods apply. Subsequent consultations will have an out of pocket cost.
4. Up to annual limits, waiting periods apply. Excludes some items.
5. Benefits will only be paid towards dental and orthodontic treatments that are administered in person (not via phone or online), by a recognised provider.
6. Health support benefits are for certain services recommended by a health practitioner intended to manage an existing health condition. A health support benefit approval form must be submitted prior to receiving any eligible benefits (excluding nicotine replacement therapy).
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