Better Health Elite
An extras policy from Medibank.
- Corporate policy, sold through employers and associations.
- Only sold with particular other policies.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement Medibank files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, NSW & ACT, no excess, before the rebate.
- Medicare levy surcharge
- Does not exempt you
- Ambulance
- Emergency only, call-out fees included, no limit
- Who can join
- Through an employer or group
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Against every other extras policy in NSW & ACT
Single cover, corporate and restricted policies included. Further right covers more services, higher up costs more.
It covers 27 services for $200.55 a month. Of the 396 other policies, 370 cost less and 0 cover more services.
Monthly premium by state and cover type
NSW prices also apply in the ACT. Each price in the tables opens its official Private Health Information Statement on PrivateHealth.gov.au, with a PDF to download.
Single premium in each state
To the nearest dollar, a month before the rebate. The tables below have every price to the cent.
No excess
| State | Single | Couple | Family | Single parent | Extended family | Extended single parent |
|---|---|---|---|---|---|---|
| NSW & ACT | $200.55 | $401.10 | $401.10 | $381.10 | $401.10 | $401.10 |
| VIC | $200.55 | $401.10 | $401.10 | $381.10 | $401.10 | $401.10 |
| QLD | $200.55 | $401.10 | $401.10 | $381.10 | $401.10 | $401.10 |
| SA | $200.55 | $401.10 | $401.10 | $381.10 | $401.10 | $401.10 |
| WA | $200.55 | $401.10 | $401.10 | $381.10 | $401.10 | $401.10 |
| TAS | $200.55 | $401.10 | $401.10 | $381.10 | $401.10 | $401.10 |
| NT | $200.55 | $401.10 | $401.10 | $381.10 | $401.10 | $401.10 |
Pays towards 27 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalshared with major dental, endodontic (root canals), orthodontics$2,000typical policy $800
- Major dentalshared with general dental, endodontic (root canals), orthodontics$2,000typical policy $1,000
- Optical$350typical policy $220
- Physiotherapy$800typical policy $450
- Chiropracticshared with osteopathy$800typical policy $400
- Psychologyshared with 14 other services$1,100typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)90% of the feetypical policy $35.20
- Scale and clean (item 114)90% of the feetypical policy $66.85
- Full crown, veneered (item 615)90% of the feetypical policy $773.80
- Single vision lenses and frames100% of the feetypical policy $220.00
- Physiotherapy, first visit90% of the feetypical policy $42.00
- Psychology, first visit90% of the feetypical policy $75.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dentalconditions apply | 2 months | $2,000shared with major dental, endodontic (root canals), orthodontics | Periodic oral exam (item 012): 90%Scale and clean (item 114): 90%Fluoride treatment (item 121): 90%Simple extraction (item 322): 90% |
| Major dental | 12 months | $2,000shared with general dental, endodontic (root canals), orthodontics | Full crown, veneered (item 615): 90% |
| Endodontic (root canals) | 12 months | $2,000shared with general dental, major dental, orthodontics | Root canal filling (item 417): 90% |
| Orthodontics | 12 months | $2,000shared with general dental, major dental, endodontic (root canals) | Braces, upper and lower, with retainer (item 881): 90% |
| Optical | 6 months | $350 | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Non-PBS medicines | 2 months | $1,100shared with 14 other services | Non-PBS prescription: 90% |
| Physiotherapy | 2 months | $800 | Physiotherapy, first visit: 90%Physiotherapy, later visit: 90% |
| Chiropractic | 2 months | $800shared with osteopathy | Chiropractic, first visit: 90%Chiropractic, later visit: 90% |
| Podiatry | 2 months | $1,100shared with 14 other services | Podiatry, first visit: 90%Podiatry, later visit: 90% |
| Psychologyconditions apply | None | $1,100shared with 14 other services | Psychology, first visit: 90%Psychology, later visit: 90% |
| Acupuncture | 2 months | $1,100shared with 14 other services | Acupuncture, first visit: 90%Acupuncture, later visit: 90% |
| Remedial massage | 2 months | $1,100shared with 14 other services | Remedial massage, first visit: 90%Remedial massage, later visit: 90% |
| Hearing aids | 36 months | $1,100shared with 14 other services | Hearing aid: 90% |
| Blood glucose monitors | 24 months | $1,100shared with 14 other services | Blood glucose monitor: 90% |
| Audiology | 2 months | $1,100shared with 14 other services | Audiology, first visit: 90%Audiology, later visit: 90% |
| Antenatal and postnatal | 2 months | $200shared with vaccinations | Antenatal and postnatal, first visit: 100%Antenatal and postnatal, later visit: 100% |
| Chinese herbal medicine | 2 months | $1,100shared with 14 other services | Chinese herbal medicine, first visit: 90%Chinese herbal medicine, later visit: 90% |
| Dietetics | 2 months | $1,100shared with 14 other services | Dietetics, first visit: 90%Dietetics, later visit: 90% |
| Exercise physiology | 2 months | $1,100shared with 14 other services | Exercise physiology, first visit: 90%Exercise physiology, later visit: 90% |
| Orthoptics | 2 months | $1,100shared with 14 other services | Orthoptics, first visit: 90%Orthoptics, later visit: 90% |
| Health management programsconditions apply | 2 months | $200 | Health management program: 100% |
| Home nursingconditions apply | 2 months | $400 | Home nursing, first visit: 100%Home nursing, later visit: 100% |
| Occupational therapy | 2 months | $1,100shared with 14 other services | Occupational therapy, first visit: 90%Occupational therapy, later visit: 90% |
| Orthotics | 2 months | $1,100shared with 14 other services | Orthotics: 90% |
| Osteopathy | 2 months | $800shared with chiropractic | Osteopathy, first visit: 90%Osteopathy, later visit: 90% |
| Speech therapy | 2 months | $1,100shared with 14 other services | Speech therapy, first visit: 90%Speech therapy, later visit: 90% |
| Vaccinationsconditions apply | 2 months | $200shared with antenatal and postnatal | Vaccination: 100% |
Other services: Health appliances and external prostheses (2mth waiting period), Breathing appliances (12mth waiting period) and Blood pressure monitors (24mth waiting period), 90% back combined limit with Non-PBS Pharmaceuticals. Various benefit replacement periods apply. 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), TENS machine (2 mth waiting period), 100% back up to annual limit. Health subscriptions (refer to Medibank for approved organisations) $200 per annum (combined limit with Health Management), 2 mth waiting period, 100% per subscription up to annual limit. Health screening tests (where no Medicare benefit is payable) $400 per annum, 2 mth waiting period, 100% per test up to annual limit. Refer to Medibank for approved screening tests. Please contact Medibank for more information.
From the insurer: Get 90% back at any recognized providers and up to 100% back at our Members' Choice Advantage providers for selected services. 100% back on up to 2 check-ups each year at Members’ Choice Advantage dentists and this doesn’t count towards annual limits; No orthodontics lifetime limit
A 12mth waiting period applies to surgical tooth extraction. Counselling (no waiting period) shares an annual limit with psychology. Vaccinations (non-PBS listed Flu vaccination only). Health Management Programs (Health Support Benefits) (2 mths waiting period) includes Quit Smoking Course, Nicotine Replacement Therapy, Exercise Class, Gym membership, Personal training session, Weight management class, Weight management course. Must be approved by a health practitioner. Home nursing benefits paid towards services by a recognised home nursing provider (not available in NT or TAS). Please contact Medibank for more information.
Example benefits are what the policy pays for that item at a provider without a special arrangement with the insurer; a percentage is of the fee charged. The typical policy is the middle one of the 708 extras policies on the market that aren't sold only through employers.
Compare
Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.
Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.