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The amount you can claim back at Members’ Choice providers, up to annual limits. Fixed amounts apply at non-Members’ Choice providers, up to annual limits.
Healthy Living Extras Cover Inclusions
Dental Check-up & Clean
Every member on Healthy Living Extras can get 100% back on one dental check-up and clean each year at a Members’ Choice or Members' Choice Advantage Provider.1
Unlimited Emergency Ambulance
Unlimited Australia-wide emergency ambulance transportation.2
Annual Flu Vaccination
Get 100% back on your annual flu vaccination at any recognised provider up to your annual limit.3
Medibank member perks
25% gym discount
As a Medibank member with Live Better rewards*, you can get 25% off 12- and 18-month Platinum gym memberships at Goodlife or Fitness First.4
Capped prices on Members' Choice services
You’ll generally get better value for money with our capped prices on dental, physiotherapy, remedial massage, chiropractic, podiatry, optical and acupuncture services when you visit a Members' Choice or Members’ Choice Advantage provider, compared to when a non-Medibank member visits.5
15% off Travel Insurance
As a Medibank member you can get 15% off our multi-award winning travel insurance.6
Get access to Live Better rewards*
You could earn up to $400 worth of rewards every year7
Medibank members with eligible Hospital or Extras cover could earn up to $400 worth of rewards every year by tracking their healthy actions.
How it works
Earn points in Live Better rewards by completing a Challenge and/or your Weekly Goal, visiting a Members’ Choice Advantage provider, and more. Simply download the My Medibank app and register for Live Better rewards. Connect your eligible devices for automatic tracking.
What you can redeem
Points can be redeemed on rewards including discounts on premium payments and gift cards from our partners like the ICONIC, Apple, adidas and more.8
Making the most of your one dental check-up and clean
Your one annual dental check-up and clean can include up to three items: a dental examination, a topical application of fluoride (where clinically necessary), and a scale and clean. You can get the most value from your cover with one of the following options:
- Members’ Choice Advantage Provider: Get 100% back on all three items plus up to two bitewing x-rays when clinically required.9
- Members’ Choice Provider: Get 100% back on all three items. Bitewing x-rays not included.9
- Non-Members' Choice Network Provider: Fixed Amount per item, up to an annual limit of $100 per member. The fixed amount benefit is likely less than the cost of the service, which means there will be out-of-pocket expenses.9
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Important Documents
Download the member guide and cover summary to learn about the services included in your cover.
Request a call back
Leave your details and a Medibank expert will be in touch to take you through your options. In providing your telephone number, you consent to Medibank contacting you about health insurance.
Things you should know
1 Two month waiting period applies. Members' Choice and Members' Choice Advantage providers not available in all areas. Members can claim 100% back on one dental check-up per member per year, at either a Members' Choice provider (excluding x-rays) or at a Members' Choice Advantage provider (including up to two bitewing x-rays where clinically required).
2 1 day waiting period applies. For ambulance attendance or transportation to a hospital where immediate professional attention is required and your medical condition is such that you couldn't be transported any other way. Tasmania and Queensland have state schemes to cover ambulance services for residents of those states. Includes transport by air ambulance where pre-approval is obtained from Medibank by the air ambulance provider.
3 Two month waiting period and $40 annual limit apply. Benefits are payable towards the influenza vaccine only and not payable towards any other fees, including administrative fees or GP consultations. Some individuals may be eligible for free influenza vaccines under a Commonwealth or State scheme, such as the National Immunisation Program, or similar schemes. Benefits are not payable where influenza vaccines are administered under such a scheme.
* Must be 16 years or over to register for Medibank Live Better rewards. Some program partners and earning activities require a person to be at least 18 years of age to be eligible to earn and/or redeem a reward. Must be a Medibank member with hospital cover, extras cover, or hospital and extras cover, be up-to-date with premium payments and have signed up to Medibank Live Better rewards with My Medibank to earn Live Better rewards points for eligible purchases and redeem rewards. Rewards are subject to change without prior notice and are subject to availability. Excludes Overseas Student Health Cover (OSHC), Ambulance only cover, ahm covers and other selected covers. Live Better Management Pty Ltd, ACN 003 457 289 has entered into commercial arrangements with Medibank Live Better rewards program partners and may receive commissions. Additional terms and conditions may apply to the redemption of a reward depending on the type of reward chosen. See full Medibank Live Better terms.
4 25% gym discount with Fitness First and Good Life Health Clubs applies to new, full price 12 & 18 month Platinum memberships purchased by eligible Medibank members with hospital or extras cover. Not available in conjunction with any other offers or discounts. To obtain the discount, simply present your photo ID, Medibank Membership Card and the partner offer page within the My Medibank app when signing up at any participating gym. The name and email address used to sign up at the gym must exactly match the details attached to your Medibank account in order to earn Live Better points for attending the gym. By signing up to this offer you permit Fitness & Lifestyle Group to share your personal information (including name, date of birth, contact details, gym location and gym attendance records) with Medibank and Live Better. Medibank and Live Better will collect this information to assess your eligibility for Live Better points, award the Live Better points and to monitor uptake of the Live Better program. If you elect not to share this information you will not be eligible for the discounted gym membership or Live Better Points. Medibank's Privacy Policy (https://www.medibank.com.au/livebetter/rewards/terms/) contains information about how you can seek access to, and correction of, your personal information, or make a complaint about a breach of the Australian Privacy Principle. Full gym membership terms and conditions can be found at https://www.fitnessfirst.com.au/terms-and-conditions/. This offer may be withdrawn at any time.
5 Providers are subject to change without notice and are not available in all areas. To access capped prices at a Members' Choice network provider, swipe your Medibank Membership card. Please check if your provider is part of our network ahead of your appointment at medibank.com.au/findaprovider. To find the capped price for a specific item number at your provider, call us on 132 331.
6 Winners of Mozo's Experts Choice awards in 2022 & 2023 and Canstar's 2023 Most Satisfied Customer - Travel Insurance award.
7 Medibank Live Better Challenges & Goals Earning Policy: The participant of a Medibank Live Better Challenge or Goal may not receive Live Better points or may have their already credited Live Better points reversed in accordance with the Medibank Live Better terms and conditions. To earn Live Better points, the participant needs to properly complete 100% of the eligible Challenge according to the instructions. The number of Live Better points available for Medibank Live Better Challenges and Goals is subject to change without prior notice. The maximum number of Live Better points that each Medibank Live Better member can earn from successfully completing health and wellbeing Challenges, Goals or any Onboarding action in a calendar year is 40,000 Live Better points. To the extent of any inconsistency between this Policy and the Medibank Live Better terms and conditions, the terms and conditions will take precedence.
Maximum 1,000 points per member per calendar year for Healthy Living Extras. Maximum 2,000 points per member per calendar year for all other extras. Award of Live Better rewards points is subject to the approval of a claim for the health service. Waiting periods may apply. Not available in all areas. Points will be credited to a members' account only when the member registers as a Live Better rewards member within 6 months from the date of the receiving the health service, subject to the Medibank Live Better rewards terms. Must be a Medibank member with extras cover (excludes ambulance only cover), hospital cover or hospital and extras cover, be up-to-date with premium payments and have signed up to Medibank Live Better with the My Medibank app to redeem rewards. See full Medibank Live Better terms.
8 Points cannot be earned on the cost of any services (including eye tests), on purchases paid for with a Specsavers gift card or on non-prescription goods such as non-prescription sunglasses, safety glasses, protective glasses or precision tinted lenses. All optical items offered are subject to availability and are subject to Specsavers Terms of Service and Returns & Warranty policies. For in-store purchases, you must use your Medibank membership card through HICAPS at the time of purchase to earn Live Better rewards points. This applies even if you have hospital only cover or have already reached your annual optical extras limit. If you have extras cover and any annual optical extras limit remaining, you will also be submitting a claim for benefits. For online purchases at https://www.specsavers.com.au/, you must submit an extras claim for prescription optical goods to earn Live Better rewards points. Members with hospital only cover, or Healthy Living Extras cover cannot earn points for online purchases. Points earned will be displayed in your Live Better rewards account within 5 business days, or once you have signed up to Medibank Live Better rewards with the My Medibank app within 6 months, from the date of your in-store purchase or making an extras claim for online purchases. A maximum of 10,000 Live Better rewards points can be earned per transaction. This offer may be withdrawn or changed at any time. Live Better rewards points earned from claims for children under 18 years of age will go to the policy holder’s account. A maximum of 10,000 Live Better rewards points can be earned per transaction. This offer may be withdrawn or changed at any time.
Must be a Medibank member with eligible extras cover, or eligible hospital and extras cover, and be up-to-date with premium payments. Excludes Overseas Student Health Cover (OSHC), Ambulance only cover, ahm covers and other selected covers. Member will be awarded points for their first eligible consultation each calendar year at one of the following services: physiotherapy, chiropractic, remedial massage, acupuncture or podiatry. Award of points is subject to the approval of a claim for the health service. Waiting periods and annual limits may apply. Service must be completed by a Members' Choice Advantage provider. Medibank's agreements with Members' Choice Advantage providers are subject to change. Members’ Choice Advantage providers are not available in all areas. Member must sign up to Live Better rewards with the My Medibank app within 6 months from the date of receiving the eligible health service. Maximum 500 points per member per calendar year. Live Better points earned from claims for children under 18 years of age will go to the policy holder’s Live Better account. Additional terms and conditions may apply to points earning activities and rewards. Points earning activities and rewards are subject to change without prior notice and may be subject to availability. See full Medibank Live Better terms.
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Rewards are subject to change without prior notice and are subject to availability.
9 Two month waiting period applies. Members' Choice and Members' Choice Advantage providers not available in all areas. Once a member has claimed one of the dental check up options, that member cannot claim for the other dental options for the remainder of the calendar year.