Healthy Living Extras
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, All states, 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 2 services for $20.85 a month. Of the 214 other policies, 6 cost less and 211 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.
Pays towards 2 of 27 standard services
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)$22.50typical policy $35.20
- Scale and clean (item 114)$43.10typical policy $66.85
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dentalconditions apply | 2 months | 100% back on 1 dental check service/year at Members' Choice providers or fixed benefits at non-Members' Choice up to $100 | Periodic oral exam (item 012): $22.50Scale and clean (item 114): $43.10Fluoride treatment (item 121): $12.30Simple extraction (item 322): $0.00 |
| Vaccinationsconditions apply | 2 months | $40, 1 every year | Vaccination: 100% |
Not covered: major dental, endodontic (root canals), orthodontics, optical, non-pbs medicines, physiotherapy, chiropractic, podiatry, psychology, acupuncture, remedial massage, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, chinese herbal medicine, dietetics, exercise physiology, orthoptics, health management programs, home nursing, occupational therapy, orthotics, osteopathy, speech therapy.
General Dental - includes one dental check-up and clean per member each calendar year, no benefit payable for other General Dental items. Items included: Periodic oral examination 011/012, Scale & Clean 111/114, Fluoride Treatment 121 payable once every calendar year. A Benefit is not payable for influenza vaccinations that are administered under a Commonwealth or State scheme, such as the National Immunisation Program, or similar schemes. Benefits are payable towards the influenza vaccine only and not payable towards any other fees, including administrative fees or GP consultations.
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.