Extras 55
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, NT, no excess, before the rebate.
- Medicare levy surcharge
- Does not exempt you
- Ambulance
- Not covered
- 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 19 services for $46.70 a month. Of the 396 other policies, 69 cost less and 207 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 | $46.70 | $93.40 | $93.40 | $88.60 | $126.20 | $93.40 |
| VIC | $46.70 | $93.40 | $93.40 | $88.60 | $126.20 | $93.40 |
| QLD | $45.30 | $90.60 | $90.60 | $86.00 | $122.30 | $90.60 |
| SA | $45.00 | $90.00 | $90.00 | $85.50 | $122.00 | $90.00 |
| WA | $41.65 | $83.30 | $83.30 | $79.20 | $112.50 | $83.30 |
| TAS | $39.50 | $79.00 | $79.00 | $75.00 | $106.90 | $79.00 |
| NT | $38.00 | $76.00 | $76.00 | $72.20 | $102.50 | $76.00 |
Pays towards 19 of 27 standard services
Yearly limits, per person, against the typical policy
- General dental$600typical policy $800
- Optical$180typical policy $220
- Physiotherapyshared with chiropractic, osteopathy$500typical policy $450
- Chiropracticshared with physiotherapy, osteopathy$500typical policy $400
- Psychologyshared with 12 other services$300typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)55% of the feetypical policy $35.20
- Scale and clean (item 114)55% of the feetypical policy $66.85
- Single vision lenses and frames100% of the feetypical policy $220.00
- Physiotherapy, first visit55% of the feetypical policy $42.00
- Psychology, first visit55% of the feetypical policy $75.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dentalconditions apply | 2 months | $600 | Periodic oral exam (item 012): 55%Scale and clean (item 114): 55%Fluoride treatment (item 121): 55%Simple extraction (item 322): 55% |
| Optical | 6 months | $180 | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Non-PBS medicines | 2 months | $300 | Non-PBS prescription: 55% |
| Physiotherapy | 2 months | $500shared with chiropractic, osteopathy | Physiotherapy, first visit: 55%Physiotherapy, later visit: 55% |
| Chiropractic | 2 months | $500shared with physiotherapy, osteopathy | Chiropractic, first visit: 55%Chiropractic, later visit: 55% |
| Podiatry | 2 months | $300shared with 12 other services | Podiatry, first visit: 55%Podiatry, later visit: 55% |
| Psychologyconditions apply | None | $300shared with 12 other services | Psychology, first visit: 55%Psychology, later visit: 55% |
| Acupuncture | 2 months | $300shared with 12 other services | Acupuncture, first visit: 55%Acupuncture, later visit: 55% |
| Remedial massage | 2 months | $300shared with 12 other services | Remedial massage, first visit: 55%Remedial massage, later visit: 55% |
| Hearing aidsconditions apply | 36 months | $300shared with 12 other services | Hearing aid: 55% |
| Blood glucose monitorsconditions apply | 24 months | $300shared with 12 other services | Blood glucose monitor: 55% |
| Chinese herbal medicine | 2 months | $300shared with 12 other services | Chinese herbal medicine, first visit: 55%Chinese herbal medicine, later visit: 55% |
| Dietetics | 2 months | $300shared with 12 other services | Dietetics, first visit: 55%Dietetics, later visit: 55% |
| Exercise physiology | 2 months | $300shared with 12 other services | Exercise physiology, first visit: 55%Exercise physiology, later visit: 55% |
| Orthoptics | 2 months | $300shared with 12 other services | Orthoptics, first visit: 55%Orthoptics, later visit: 55% |
| Occupational therapy | 2 months | $300shared with 12 other services | Occupational therapy, first visit: 55%Occupational therapy, later visit: 55% |
| Orthotics | 2 months | $300shared with 12 other services | Orthotics: 55% |
| Osteopathy | 2 months | $500shared with physiotherapy, chiropractic | Osteopathy, first visit: 55%Osteopathy, later visit: 55% |
| Speech therapy | 2 months | $300shared with 12 other services | Speech therapy, first visit: 55%Speech therapy, later visit: 55% |
Not covered: major dental, endodontic (root canals), orthodontics, audiology, antenatal and postnatal, health management programs, home nursing, vaccinations.
Other services: Health appliances and external prostheses (2 month waiting period), Breathing appliances (12 month waiting period) and Blood pressure monitors (24 month waiting period). These services are included in the $300 combined limit. Various benefits replacement periods apply. Please contact Medibank for more information
Surgical tooth extraction is subject to a 12 month waiting period. Counselling (no waiting period) shares an annual limit with Psychology. Benefit replacement periods apply to Hearing aids (60 months) and Blood glucose monitors (36 months).
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.