How $112.31 is worked out
- Premium as filed - $148.00 a month
- Government rebate - 24.1% of the premium (never of the loading): -$35.69
- A month - $112.31
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): $23.50; Scale and clean (item 114): $46.00; Fluoride treatment (item 121): $14.20; Tooth extraction (item 322): $113.70 | $600 per person a year |
| Major dental | 12 months | Crown (item 615): $500.00 | $700 per person a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): $105.30 | $700 per person a year (shared with other services) |
| Braces | 12 months | Braces, upper and lower, with a retainer (item 881): 100% back | $400 opening balance. Top-up of $200 per year up to a $1200 lifetime limit. |
| Glasses and contact lenses | 6 months | Single vision glasses: 100% back; Multifocal glasses: 100% back | $200 per person a year (shared with other services) |
| Prescriptions not on the PBS | 2 months | Prescription: $21.00 | $200 per person a year (shared with other services) |
| Physiotherapy | 2 months | First visit: $33.70; Follow-up visit: $27.50 | $500 per person a year (shared with other services) |
| Chiropractic | 2 months | First visit: $37.30; Follow-up visit: $24.40 | $500 per person a year (shared with other services) |
| Psychology * | none | First visit: $101.33; Follow-up visit: $88.11 | $200 per person a year (shared with other services) |
| Acupuncture | 2 months | First visit: $23.00; Follow-up visit: $16.00 | $500 per person a year (shared with other services) |
| Remedial massage | 2 months | First visit: $33.80; Follow-up visit: $21.50 | $150 per person a year |
| Antenatal and postnatal | 2 months | First visit: $20.00; Follow-up visit: $20.00 | $400 per person a year (shared with other services) |
| Chinese herbal medicine | 2 months | First visit: $16.00; Follow-up visit: $16.00 | $500 per person a year (shared with other services) |
| Exercise physiology * | 2 months | First visit: $16.00; Follow-up visit: $10.00 | $500 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 (shared with other services) |
| Occupational therapy | 2 months | First visit: $50.90; Follow-up visit: $30.30 | $400 per person a year (shared with other services) |
| Osteopathy | 2 months | First visit: $37.30; Follow-up visit: $24.40 | $500 per person a year (shared with other services) |
| Speech therapy | 2 months | First visit: $64.20; Follow-up visit: $29.80 | $400 per person a year (shared with other services) |
| Vaccinations * | 2 months | Vaccination: 100% back | $200 per person a year (shared with other services) |
Not covered: Podiatry, Hearing aids, Blood glucose monitors, Audiology, Dietitian, Health management programs, Home nursing, Orthotics.
* A 12 month waiting period applies to surgical tooth extraction. Exercise physiology benefit is $16.00 for individual consultations and $10.00 for group consultations. Counselling (no waiting period) shares an annual limit with Psychology. Vaccinations - non PBS listed flu vaccinations only.
Other services, as filed: 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 mnth waiting period), $50 per garment, Tens machine (2 mnth waiting period), hired device $40 and purchased device $80. Australian Breastfeeding Association membership (2 mnth waiting period) $40.
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 I111/NNNM2D, 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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