Why Choose Medibank?
100% back on optical
Join Medibank Extras today and get 100% back on optical items (up to your annual limit) at any recognised provider. Some services like lens coating are excluded and waiting periods apply.
100% back on dental twice a year
Here’s something to smile about – all Medibank members with 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.*
100% back on kids extras
For kids we provide no hospital excess on every one of our family hospital covers. We also offer 100% back on included extras at Members' Choice providers, as part of our Growing Family and Settled Families packaged covers. This only applies to child and student dependants. Only up to annual limits and waiting periods apply, including 12 months for some dental services.
Accident cover boost
Life can be unpredictable, which is why our Hospital covers pay towards treatment if you’re injured in an Accident, regardless of your level of cover. That means, services which are normally Limited or Excluded will be treated as an Included service where treatment is required for injuries sustained in an Accident.#
Canstar awarded ‘Outstanding Value Insurance’ 11 years in a row
We’re proud to deliver outstanding value health insurance products designed to suit your needs. But don’t just take our word for it.
Things you should know
‡ For new members on new memberships who join and start eligible combined hospital and extras from 1 October – 2 December 2019 and who have not held Medibank health cover in previous 60 days. Must quote promo code SPECSAVERS2019 and set up (and maintain for at least 45 consecutive days from policy start date) direct debit when joining. Excludes Accident Cover, Ambulance Cover, Visitors Health Insurance, Working Visa Health Insurance, OSHC, ahm covers, some Corporate covers and other selected covers. Gift card terms: Must maintain eligible cover and direct debit for 45 consecutive days after the policy start date. Gift card could take up to 8 weeks from the policy start date to arrive by post. Singles and single parents will receive a $200 Specsavers gift card, and families and couples will receive a $400 Specsavers gift card. Gift card can be redeemed at Specsavers stores, is not transferrable and is valid for 12 months from date of issue. Card must be activated within 6 months of issue. For full terms and conditions on activating and using your card see https://specsavers.activatethecard.com.au. 2 & 6 waiver terms: 2 and 6 month waiting periods on extras waived. Other waiting periods apply. If you’ve reached your limits from a previous fund you may not be able to claim straight away. Not available with any other offer.
# - Cover only for Accidents that occur after join date. Excludes claims covered by third parties such as Workcover and our Private Room Promise. Out of pockets may apply.
* - Waiting period may apply. Limited to two dental check-ups annually on all extras. Not available in all areas.
* - Some claims, like paper based, may take longer to update. If you have Visitors Health Insurance, Working Visa Health Insurance or Overseas Student Health cover, you may not be able to use all the features.