Essential Extras 75
An extras policy from Medibank.
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, NT, no excess, before the rebate.
- Medicare levy surcharge
- Does not exempt you
- Ambulance
- Emergency only, call-out fees included, no limit
- Who can join
- Anyone
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Against every other extras policy in NSW & ACT
Single cover, counting policies anyone can buy. Further right covers more services, higher up costs more.
It covers 9 services for $59.60 a month. Of the 214 other policies, 82 cost less and 162 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 | $59.60 | $119.20 | $122.10 | $113.30 | $161.40 | $119.20 |
| VIC | $54.10 | $108.20 | $110.90 | $102.80 | $146.40 | $108.20 |
| QLD | $49.85 | $99.70 | $102.10 | $94.60 | $134.50 | $99.70 |
| SA | $51.40 | $102.80 | $105.30 | $97.50 | $138.70 | $102.80 |
| WA | $47.30 | $94.60 | $96.90 | $89.80 | $128.00 | $94.60 |
| TAS | $43.00 | $86.00 | $88.10 | $81.60 | $116.00 | $86.00 |
| NT | $41.80 | $83.60 | $85.60 | $79.30 | $112.90 | $83.60 |
Pays towards 9 of 27 standard services
Yearly limits, per person, against the typical policy
- General dental$750typical policy $800
- Optical$200typical policy $220
- Physiotherapyshared with chiropractic, osteopathy$450typical policy $450
- Chiropracticshared with physiotherapy, osteopathy$450typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)$27.60typical policy $35.20
- Scale and clean (item 114)$50.00typical policy $66.85
- Single vision lenses and frames100% of the feetypical policy $220.00
- Physiotherapy, first visit$47.90typical policy $42.00
| Service | Waiting period | Yearly limit, per person | Example benefits (NSW & ACT) |
|---|---|---|---|
| General dentalconditions apply | 2 months | $750 | Periodic oral exam (item 012): $27.60Scale and clean (item 114): $50.00Fluoride treatment (item 121): $16.70Simple extraction (item 322): $125.00 |
| Optical | 6 months | $200 | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Physiotherapy | 2 months | $450shared with chiropractic, osteopathy | Physiotherapy, first visit: $47.90Physiotherapy, later visit: $40.00 |
| Chiropractic | 2 months | $450shared with physiotherapy, osteopathy | Chiropractic, first visit: $52.50Chiropractic, later visit: $36.10 |
| Acupuncture | 2 months | $100shared with remedial massage, chinese herbal medicine, exercise physiology | Acupuncture, first visit: $33.00Acupuncture, later visit: $23.00 |
| Remedial massage | 2 months | $100shared with acupuncture, chinese herbal medicine, exercise physiology | Remedial massage, first visit: $44.30Remedial massage, later visit: $29.90 |
| Chinese herbal medicine | 2 months | $100shared with acupuncture, remedial massage, exercise physiology | Chinese herbal medicine, first visit: $21.50Chinese herbal medicine, later visit: $21.50 |
| Exercise physiologyconditions apply | 2 months | $100shared with acupuncture, remedial massage, chinese herbal medicine | Exercise physiology, first visit: $21.50Exercise physiology, later visit: $12.00 |
| Osteopathy | 2 months | $450shared with physiotherapy, chiropractic | Osteopathy, first visit: $52.50Osteopathy, later visit: $36.10 |
Not covered: major dental, endodontic (root canals), orthodontics, non-pbs medicines, podiatry, psychology, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, dietetics, orthoptics, health management programs, home nursing, occupational therapy, orthotics, speech therapy, vaccinations.
From the insurer: Provides cover for commonly used services and 100% back up to your annual limit on eligible optical services. Annual limits apply to each person on the membership. Easy online and electronic claiming.
A 12 month waiting period applies to surgical tooth extraction.
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.
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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.