How $176.65 is worked out
- Premium as filed - $232.80 a month
- Government rebate - 24.1% of the premium (never of the loading): -$56.15
- A month - $176.65
Go to insurer no commission on this policy
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental * | 2 months | Check-up (item 012): $27.00; Scale and clean (item 114): $51.20; Fluoride treatment (item 121): $15.50; Tooth extraction (item 322): $106.50 | No annual limit applies to General dental |
| Major dental | 12 months | Crown (item 615): $700.80 | $1,000 per person a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): $126.50 | $1,000 per person a year (shared with other services) |
| Braces | 12 months | Braces, upper and lower, with a retainer (item 881): 100% back | $800 opening balance. Top-up of $400 per year up to a $2400 lifetime limit |
| Glasses and contact lenses | 6 months | Single vision glasses: 100% back; Multifocal glasses: 100% back | $225 per person a year (shared with other services) |
| Prescriptions not on the PBS | 2 months | Prescription: $31.00 | $400 per person a year (shared with other services) |
| Physiotherapy | 2 months | First visit: $43.30; Follow-up visit: $36.70 | $600 per person a year (shared with other services) |
| Chiropractic | 2 months | First visit: $44.60; Follow-up visit: $29.50 | $600 per person a year (shared with other services) |
| Podiatry | 2 months | First visit: $41.50; Follow-up visit: $31.20 | $300 per person a year (shared with other services) |
| Psychology * | none | First visit: $128.52; Follow-up visit: $106.44 | $400 per person a year (shared with other services) |
| Acupuncture | 2 months | First visit: $36.90; Follow-up visit: $29.40 | $600 per person a year (shared with other services) |
| Remedial massage | 2 months | First visit: $40.30; Follow-up visit: $25.90 | $200 per person a year |
| Hearing aids | 36 months | Hearing aid: 100% back | $800 per person a year, 1 appliance every 5 years |
| Blood glucose monitors | 24 months | Blood: 75% back | $600 per person a year, 1 appliance every 3 years (shared with other services) |
| Antenatal and postnatal | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $600 per person a year (shared with other services) |
| Chinese herbal medicine | 2 months | First visit: $21.50; Follow-up visit: $21.50 | $600 per person a year (shared with other services) |
| Dietitian | 2 months | First visit: $47.30; Follow-up visit: $26.20 | $600 per person a year, 1 appliance every 3 years (shared with other services) |
| Exercise physiology * | 2 months | First visit: $21.50; Follow-up visit: $12.00 | $600 per person a year (shared with other services) |
| Eye therapy (orthoptics) | 2 months | First visit: $45.00; Follow-up visit: $35.00 | $225 per person a year (shared with other services) |
| Health management programs * | 2 months | Benefit: $83.00 | $200 per person a year |
| Occupational therapy | 2 months | First visit: $48.30; Follow-up visit: $27.30 | $600 per person a year (shared with other services) |
| Orthotics | 2 months | Benefit: 75% back | $300 per person a year (shared with other services) |
| Osteopathy | 2 months | First visit: $44.60; Follow-up visit: $29.50 | $600 per person a year (shared with other services) |
| Speech therapy | 2 months | First visit: $78.00; Follow-up visit: $37.10 | $600 per person a year (shared with other services) |
| Vaccinations * | 2 months | Vaccination: 100% back | $400 per person a year (shared with other services) |
Not covered: Audiology, Home nursing.
* A 12 month waiting period applies to surgical tooth extraction. Exercise physiology benefit is $21.50 for individual consultations and $12.00 for group consultations. Counselling (no waiting period) shares an annual limit with Psychology. Vaccinations - non-PBS listed flu vaccinations only. Health Management benefit shown is the benefit for an approved weight management course, various benefits apply to the other services, please refer to the bottom of this PHIS.
Other services, as filed: - Health appliance and external prostheses (2mth waiting period) , Blood pressure monitor (24 mth waiting period) and Breathing appliances (12 mth waiting period), Health subscriptions (refer to Medibank for approved organisations), Health screening tests (where no Medicare benefit is payable), (2 mth waiting period) included with Blood glucose monitors. -Benefits for antenatal and postnatal services including birthing courses and lactation consultations with a registered midwife in private practice. Plus benefits towards Pregnancy compression garments (2 mth waiting period), $60 per garment, Tens machine (2 mth waiting period), hired device $50 and purchased device $100. Australian Breastfeeding Association membership (2 mth waiting period) $50. -Health Management Programs (Health Support Benefits) (2 mth waiting period) - Quit Smoking Course - $80, Nicotine Replacement Therapy - $25, Exercise Class - $13, Gym membership - $125, Personal training session - $20, Weight management class - $12, Weight management course - $83. Must be approved by a health practitioner. Please contact Medibank for more information about these other services.
Ambulance
Emergency ambulance. Call-out fees covered. Waiting period for emergency transport: 1 day. No limit on emergency transport.
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
Where this comes from
Policy details come from the PrivateHealth.gov.au dataset published by the Private Health Insurance Ombudsman on data.gov.au (release of 1 Oct 2026), licensed under Creative Commons Attribution 3.0 Australia. Statement I118/WNRY2D, filed by Medibank Private Limited, issued 1 Apr 2026.
† Monthly premium: the premium the insurer filed with the Private Health Insurance Ombudsman for this state, household and excess, before the Australian Government rebate. Answer the income and age questions and every figure becomes the premium after your rebate, with any Lifetime Health Cover loading added to the hospital share (the rebate never applies to the loading) and the age-based discount taken off it where the policy offers one. Insurers may quote a different payment frequency and round each step; check the figure with the insurer before you join.
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