How $26.60 is worked out
- Premium as filed - $35.05 a month
- Government rebate - 24.1% of the premium (never of the loading): -$8.45
- A month - $26.60
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): $35.70; Scale and clean (item 114): $52.90; Fluoride treatment (item 121): $12.80; Tooth extraction (item 322): $122.20 | $500 per policy a year (shared with other services) |
| Major dental | 12 months | Crown (item 615): $500.00 | $500 per policy a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): $117.50 | $500 per policy a year (shared with other services) |
| Glasses and contact lenses | 6 months | Single vision glasses: 100% back; Multifocal glasses: 100% back | $150 per policy a year (shared with other services) |
| Prescriptions not on the PBS | 2 months | Prescription: $21.00 | $500 per policy a year (shared with other services) |
| Physiotherapy | 2 months | First visit: $43.30; Follow-up visit: $35.60 | $500 per policy a year (shared with other services) |
| Chiropractic | 2 months | First visit: $39.30; Follow-up visit: $28.00 | $500 per policy a year (shared with other services) |
| Psychology | none | First visit: $110.89; Follow-up visit: $96.42 | $500 per policy a year (shared with other services) |
| Acupuncture | 2 months | First visit: $30.80; Follow-up visit: $29.40 | $150 per policy a year (shared with other services) |
| Remedial massage | 2 months | First visit: $45.20; Follow-up visit: $35.20 | $150 per policy a year (shared with other services) |
| Chinese herbal medicine | 2 months | First visit: $16.00; Follow-up visit: $16.00 | $150 per policy a year (shared with other services) |
| Dietitian | 2 months | First visit: $44.10; Follow-up visit: $22.60 | $500 per policy a year (shared with other services) |
| Exercise physiology * | 2 months | First visit: $16.00; Follow-up visit: $10.00 | $150 per policy a year (shared with other services) |
| Osteopathy | 2 months | First visit: $39.30; Follow-up visit: $28.00 | $500 per policy a year (shared with other services) |
Not covered: Braces, Podiatry, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Eye therapy (orthoptics), Health management programs, Home nursing, Occupational therapy, Orthotics, Speech therapy, Vaccinations.
* A 12 month waiting period applies for surgical tooth extractions. Exercise physiology benefits are $16.00 for individual consultations and $10.00 for group consultations.
Other services, as filed: Counselling (no waiting period) shares an annual limit with Psychology. Please contact Medibank for more information.
Use your $500 combined limit toward the services that are most important to you. Whether it's physio, dental or chiro you make the decision. You also get 100% back on an annual dental check, excluding x-rays, at a Members' Choice dentist and it doesn't count towards your annual limit.
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.
| State | Who is covered | Excess | A month, as filed |
|---|---|---|---|
| NSW | Me and my partner | None | $76.10 |
| NSW | Just me | None | $38.05 |
| NT | Me and my partner | None | $70.10 |
| NT | Just me | None | $35.05 |
| QLD | Me and my partner | None | $80.10 |
| QLD | Just me | None | $40.05 |
| SA | Me and my partner | None | $83.90 |
| SA | Just me | None | $41.95 |
| TAS | Me and my partner | None | $71.80 |
| TAS | Just me | None | $35.90 |
| VIC | Me and my partner | None | $81.30 |
| VIC | Just me | None | $40.65 |
| WA | Me and my partner | None | $76.40 |
| WA | Just me | None | $38.20 |
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 I91/DGDU10, 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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