Extras 85
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, TAS, 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 24 services for $204.50 a month. Of the 396 other policies, 373 cost less and 71 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 | $204.50 | $409.00 | $409.00 | $388.30 | $552.00 | $409.00 |
| VIC | $194.35 | $388.70 | $388.70 | $369.30 | $525.00 | $388.70 |
| QLD | $176.80 | $353.60 | $353.60 | $335.90 | $477.50 | $353.60 |
| SA | $170.70 | $341.40 | $341.40 | $324.40 | $461.40 | $341.40 |
| WA | $172.20 | $344.40 | $344.40 | $327.00 | $464.90 | $344.40 |
| TAS | $120.35 | $240.70 | $240.70 | $228.70 | $325.30 | $240.70 |
| NT | $130.75 | $261.50 | $261.50 | $248.30 | $353.10 | $261.50 |
Pays towards 24 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalNo annual limittypical policy $800
- Major dentalshared with endodontic (root canals)$1,600typical policy $1,000
- Optical$300typical policy $220
- Physiotherapy$800typical policy $450
- Chiropracticshared with osteopathy$600typical policy $400
- Psychologyshared with 14 other services$700typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)85% of the feetypical policy $35.20
- Scale and clean (item 114)85% of the feetypical policy $66.85
- Full crown, veneered (item 615)85% of the feetypical policy $773.80
- Single vision lenses and frames100% of the feetypical policy $220.00
- Physiotherapy, first visit85% of the feetypical policy $42.00
- Psychology, first visit85% of the feetypical policy $75.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dentalconditions apply | 2 months | No annual limit | Periodic oral exam (item 012): 85%Scale and clean (item 114): 85%Fluoride treatment (item 121): 85%Simple extraction (item 322): 85% |
| Major dental | 12 months | $1,600shared with endodontic (root canals) | Full crown, veneered (item 615): 85% |
| Endodontic (root canals) | 12 months | $1,600shared with major dental | Root canal filling (item 417): 85% |
| Orthodonticsconditions apply | 12 months | $1,600, $3,500 lifetime | Braces, upper and lower, with retainer (item 881): 100% |
| Optical | 6 months | $300 | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Non-PBS medicines | 2 months | $500 | Non-PBS prescription: 85% |
| Physiotherapy | 2 months | $800 | Physiotherapy, first visit: 85%Physiotherapy, later visit: 85% |
| Chiropractic | 2 months | $600shared with osteopathy | Chiropractic, first visit: 85%Chiropractic, later visit: 85% |
| Podiatry | 2 months | $700shared with 14 other services | Podiatry, first visit: 85%Podiatry, later visit: 85% |
| Psychologyconditions apply | None | $700shared with 14 other services | Psychology, first visit: 85%Psychology, later visit: 85% |
| Acupuncture | 2 months | $700shared with 14 other services | Acupuncture, first visit: 85%Acupuncture, later visit: 85% |
| Remedial massage | 2 months | $700shared with 14 other services | Remedial massage, first visit: 85%Remedial massage, later visit: 85% |
| Hearing aidsconditions apply | 36 months | $700shared with 14 other services | Hearing aid: 85% |
| Blood glucose monitorsconditions apply | 24 months | $700shared with 14 other services | Blood glucose monitor: 85% |
| Audiology | 2 months | $700shared with 14 other services | Audiology, first visit: 85%Audiology, later visit: 85% |
| Antenatal and postnatal | 2 months | $700shared with 14 other services | Antenatal and postnatal, first visit: 85%Antenatal and postnatal, later visit: 85% |
| Chinese herbal medicine | 2 months | $700shared with 14 other services | Chinese herbal medicine, first visit: 85%Chinese herbal medicine, later visit: 85% |
| Dietetics | 2 months | $700shared with 14 other services | Dietetics, first visit: 85%Dietetics, later visit: 85% |
| Exercise physiology | 2 months | $700shared with 14 other services | Exercise physiology, first visit: 85%Exercise physiology, later visit: 85% |
| Orthoptics | 2 months | $700shared with 14 other services | Orthoptics, first visit: 85%Orthoptics, later visit: 85% |
| Occupational therapy | 2 months | $700shared with 14 other services | Occupational therapy, first visit: 85%Occupational therapy, later visit: 85% |
| Orthotics | 2 months | $700shared with 14 other services | Orthotics: 85% |
| Osteopathy | 2 months | $600shared with chiropractic | Osteopathy, first visit: 85%Osteopathy, later visit: 85% |
| Speech therapy | 2 months | $700shared with 14 other services | Speech therapy, first visit: 85%Speech therapy, later visit: 85% |
Not covered: health management programs, home nursing, vaccinations.
Other services: The following services are included in the $700 combined limit: Health appliances and external prostheses (2 month waiting period), Breathing appliances (12 month waiting period), Blood pressure monitors (24 month waiting period), Antenatal and postnatal services include birthing courses and lactation consultations with a registered midwife in private practice, Pregnancy compression garments, TENS machines and Australian Breastfeeding Association membership (2 month waiting period). Various benefits replacement periods apply. Laser eye surgery (36 month waiting period) - $750 annual limit. Please contact Medibank for more information
Surgical tooth extraction is subject to a 12 month waiting period. There is a $1600 opening balance for orthodontic benefits with top up of $500 per year up to a $3500 lifetime limit. Counselling (no waiting period) shares an annual limit with Psychology. Benefit replacement periods apply to Blood glucose monitors (36 months) and Hearing aids (60 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.