How $79.37 is worked out
- Premium as filed - $104.60 a month
- Government rebate - 24.1% of the premium (never of the loading): -$25.23
- A month - $79.37
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): $26.00; Scale and clean (item 114): $43.60; Fluoride treatment (item 121): $14.20; Tooth extraction (item 322): $107.60 | $800 per person a year |
| Major dental | 12 months | Crown (item 615): $500.00 | $500 per person a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): $124.80 | $500 per person a year (shared with other services) |
| Braces * | 12 months | Braces, upper and lower, with a retainer (item 881): 100% back | $400 per person a year, $1,200 lifetime |
| Glasses and contact lenses | 6 months | Single vision glasses: 100% back; Multifocal glasses: 100% back | $200 per person a year |
| Prescriptions not on the PBS | 2 months | Prescription: $21.00 | $200 per person a year (shared with other services) |
| Physiotherapy | 2 months | First visit: $37.70; Follow-up visit: $32.10 | $300 per person a year |
| Chiropractic | 2 months | First visit: $37.20; Follow-up visit: $28.00 | $200 per person a year (shared with other services) |
| Podiatry | 2 months | First visit: $32.40; Follow-up visit: $26.00 | $200 per person a year (shared with other services) |
| Psychology | none | First visit: $94.99; Follow-up visit: $82.60 | $400 per person a year |
| Acupuncture | 2 months | First visit: $32.80; Follow-up visit: $25.50 | $200 per person a year (shared with other services) |
| Remedial massage | 2 months | First visit: $35.40; Follow-up visit: $25.50 | $200 per person a year (shared with other services) |
| Hearing aids | 36 months | Hearing aid: 100% back | $400 per person a year, 1 appliance every 5 years |
| Blood glucose monitors | 24 months | Blood: 100% back | $150 per person a year, 1 appliance every 3 years |
| Chinese herbal medicine | 2 months | First visit: $16.00; Follow-up visit: $16.00 | $200 per person a year (shared with other services) |
| Dietitian | 2 months | First visit: $45.90; Follow-up visit: $25.40 | $200 per person a year |
| Exercise physiology * | 2 months | First visit: $16.00; Follow-up visit: $10.00 | $200 per person a year (shared with other services) |
| Eye therapy (orthoptics) | 2 months | First visit: $37.50; Follow-up visit: $27.50 | $200 per person a year |
| Health management programs * | 2 months | Benefit: $67.00 | $150 per person a year |
| Occupational therapy | 2 months | First visit: $50.20; Follow-up visit: $36.70 | $200 per person a year |
| Orthotics | 2 months | Benefit: 60% back | $200 per person a year (shared with other services) |
| Osteopathy | 2 months | First visit: $37.20; Follow-up visit: $28.00 | $200 per person a year (shared with other services) |
| Speech therapy | 2 months | First visit: $48.10; Follow-up visit: $32.40 | $200 per person a year |
| Vaccinations * | 2 months | Vaccination: 100% back | $200 per person a year (shared with other services) |
Not covered: Audiology, Antenatal and postnatal, Home nursing.
* A 12-month waiting period applies to surgical tooth extraction. Orthodontics has a $400 opening balance then a top up of $200 per year up to a $1200 lifetime limit. Exercise physiology benefit is $16.00 for individual consultations and $10.00 for group consultations. Vaccinations: non-PBS listed flu vaccinations only. Health management: Benefit shown is the benefit paid for an approved weight management course. Different benefit amounts apply to other services under health support benefit. More information can be found at the bottom of the table below.
Other services, as filed: Health appliances and external prostheses: $200 annual limit, 2-month waiting period, fixed benefits and various benefit replacement periods apply. Breathing appliances: 12-month waiting period apply. Blood pressure monitors: Has a shared annual limit with blood glucose monitors, a 24-month waiting period and a benefit replacement period of 1 appliance per 36 months apply. Counselling: No waiting period and shares an annual limit with Psychology. Health management: Quit smoking course - $70, Nicotine replacement therapy - $20, Exercise class $11, Gym membership - $100, Personal training session - $15, Weight management class - $10, Weight management course - $67. Must be approved by a health practitioner. Contact Medibank for more information about these other services.
One of Medibank's top extras covers with generous annual limits that apply to each person covered on the membership. Health Screening tests: This service covers tests such as mole mapping (skin checks), bone density tests, MRI’s and retinal scans. A 2-month waiting period applies and pays a fixed benefit.
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 I132/TRWY1D, filed by Medibank Private Limited, issued 16 Sept 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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