My Choice Extras Core 60
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 8 services for $38.70 a month. Of the 214 other policies, 32 cost less and 172 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 | $38.70 | $77.40 | $79.30 | $73.50 | $104.70 | $77.40 |
| VIC | $41.50 | $83.00 | $85.00 | $78.80 | $112.00 | $83.00 |
| QLD | $40.90 | $81.80 | $83.80 | $77.60 | $110.50 | $81.80 |
| SA | $42.60 | $85.20 | $87.30 | $80.90 | $115.00 | $85.20 |
| WA | $38.70 | $77.40 | $79.30 | $73.50 | $104.70 | $77.40 |
| TAS | $36.50 | $73.00 | $74.80 | $69.30 | $98.50 | $73.00 |
| NT | $35.35 | $70.70 | $72.40 | $67.10 | $95.60 | $70.70 |
Pays towards 8 of 27 standard services
Yearly limits, per person, against the typical policy
- General dental$400typical policy $800
- Major dentalshared with endodontic (root canals)$350typical policy $1,000
- Opticalshared with orthoptics$150typical policy $220
- Psychologyshared with non-pbs medicines, vaccinations$200typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)$23.50typical policy $35.20
- Scale and clean (item 114)$46.00typical policy $66.85
- Full crown, veneered (item 615)$500.00typical policy $773.80
- Single vision lenses and frames100% of the feetypical policy $220.00
- Psychology, first visit$101.33typical policy $75.00
| Service | Waiting period | Yearly limit, per person | Example benefits (NSW & ACT) |
|---|---|---|---|
| General dentalconditions apply | 2 months | $400 | Periodic oral exam (item 012): $23.50Scale and clean (item 114): $46.00Fluoride treatment (item 121): $14.20Simple extraction (item 322): $113.70 |
| Major dental | 12 months | $350shared with endodontic (root canals) | Full crown, veneered (item 615): $500.00 |
| Endodontic (root canals) | 12 months | $350shared with major dental | Root canal filling (item 417): $105.30 |
| Optical | 6 months | $150shared with orthoptics | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Non-PBS medicines | 2 months | $200shared with psychology, vaccinations | Non-PBS prescription: $21.00 |
| Psychologyconditions apply | None | $200shared with non-pbs medicines, vaccinations | Psychology, first visit: $101.33Psychology, later visit: $88.11 |
| Orthoptics | 2 months | $150shared with optical | Orthoptics, first visit: $37.50Orthoptics, later visit: $27.50 |
| Vaccinationsconditions apply | 2 months | $200shared with non-pbs medicines, psychology | Vaccination: 100% |
Not covered: orthodontics, physiotherapy, chiropractic, podiatry, acupuncture, remedial massage, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, chinese herbal medicine, dietetics, exercise physiology, health management programs, home nursing, occupational therapy, orthotics, osteopathy, speech therapy.
A 12 month waiting period applies to surgical tooth extraction. Counselling (no waiting period) shares an annual limit with Psychology. Vaccinations - non PBS listed flu vaccinations only.
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.