Medibank
Growing Family 70
Medibank
How $117.54 is worked out
- Premium as filed - $154.90 a month
- Government rebate - 24.1% of the premium (never of the loading): -$37.36
- A month - $117.54
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): $41.60; Scale and clean (item 114): $62.10; Fluoride treatment (item 121): $15.00; Tooth extraction (item 322): $143.60 | $1,000 per person a year |
| Major dental * | 12 months | Crown (item 615): $832.90 | $800 per person a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): $137.90 | $800 per person a year (shared with other services) |
| Braces | 12 months | Braces, upper and lower, with a retainer (item 881): 100% back | $200 per person a year |
| Glasses and contact lenses | 6 months | Single vision glasses: 100% back; Multifocal glasses: 100% back | $225 per person a year |
| Prescriptions not on the PBS | 2 months | Prescription: $31.00 | $1,000 per person a year (shared with other services) |
| Physiotherapy | 2 months | First visit: $55.10; Follow-up visit: $45.30 | $600 per person a year (shared with other services) |
| Chiropractic | 2 months | First visit: $49.80; Follow-up visit: $35.40 | $600 per person a year (shared with other services) |
| Podiatry | 2 months | First visit: $39.20; Follow-up visit: $32.20 | $600 per person a year (shared with other services) |
| Psychology | none | First visit: $123.62; Follow-up visit: $102.37 | $1,000 per person a year (shared with other services) |
| Acupuncture | 2 months | First visit: $36.20; Follow-up visit: $34.60 | $250 per person a year (shared with other services) |
| Remedial massage | 2 months | First visit: $53.00; Follow-up visit: $41.40 | $250 per person a year (shared with other services) |
| Blood glucose monitors | 24 months | Blood: 100% back | $1,000 per person a year (shared with other services) |
| Antenatal and postnatal | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $1,000 per person a year (shared with other services) |
| Chinese herbal medicine | 2 months | First visit: $21.50; Follow-up visit: $21.50 | $250 per person a year (shared with other services) |
| Dietitian | 2 months | First visit: $51.90; Follow-up visit: $26.50 | $1,000 per person a year (shared with other services) |
| Exercise physiology * | 2 months | First visit: $21.50; Follow-up visit: $12.00 | $250 per person a year (shared with other services) |
| Orthotics | 2 months | Benefit: 70% back | $1,000 per person a year (shared with other services) |
| Osteopathy | 2 months | First visit: $49.80; Follow-up visit: $35.40 | $600 per person a year (shared with other services) |
| Speech therapy | 2 months | First visit: $68.00; Follow-up visit: $39.60 | $1,000 per person a year (shared with other services) |
Not covered: Hearing aids, Audiology, Eye therapy (orthoptics), Health management programs, Home nursing, Occupational therapy, Vaccinations.
* A 12 month waiting period applies for surgical tooth extraction. Exercise physiology benefits are $21.50 for an individual consultation and $12.00 for group consultations.
Other services, as filed: Health appliances and external prostheses, 2 mth waiting period, fixed benefits apply. - Pregnancy compression garments 2 mth waiting period, $60 per garment Benefit replacement period of 24 mths. -Tens machines, 2 mth waiting period, hired device $50 and purchased device $100. Benefit replacement period of 36 mths. -Australian Breastfeeding Assoc. membership, 2 mth waiting period, $50. -Breathing appliances, 12 month waiting period, fixed benefit applies. - Blood pressure monitor 24 months waiting period, fixed benefit applies. All services form part of the $1,000 combined annual limit for antenatal, dietetics, psychology, speech therapy, non-PBS Pharmaceuticals. Provider recognition rules apply. -Counselling (no waiting period) shares an annual limit with Psychology. Please contact Medibank for more information.
Benefits for antenatal and postnatal services including birthing courses and lactation consultations with a midwife registered with LCANZ or in private practice. Plus benefits towards pregnancy compression garments, TENS machines and membership of the Australian Breastfeeding Association.
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 I85/DFZE1Y, 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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