Hospital + ExtrasClosed

Medibank Gold Advantage $250 Excess

A Hospital + Extras product from Medibank. Below is the cover registered in the government data: waiting period, benefit per visit and annual limit for each service.

Government data date: 1 October 2026

This product is closed: it no longer accepts new members, but existing members can keep using it.

Services covered (22)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	NSW / ACT Periodic exam (012): $36 Scale and clean (114): $49.40 Fluoride (121): $22 Extraction (322): $74 VIC Periodic exam (012): $33.90 Scale and clean (114): $47.40 Fluoride (121): $17.20 Extraction (322): $66.10 QLD Periodic exam (012): $29.90 Scale and clean (114): $49.40 Fluoride (121): $19 Extraction (322): $74 WA Periodic exam (012): $30.50 Scale and clean (114): $48.60 Fluoride (121): $15.50 Extraction (322): $69.10 SA Periodic exam (012): $29.90 Scale and clean (114): $51.20 Fluoride (121): $16.10 Extraction (322): $50.60 TAS Periodic exam (012): $31.90 Scale and clean (114): $50.60 Fluoride (121): $15 Extraction (322): $53.90 NT Periodic exam (012): $32.30 Scale and clean (114): $51.20 Fluoride (121): $16.10 Extraction (322): $50.60	No annual limit
Major dental	12 months	NSW / ACT, QLD Full crown, veneered (615): $570 VIC, SA, NT Full crown, veneered (615): $510 WA, TAS Full crown, veneered (615): $480	$2,000 a yearShared with Root canal (endodontics)
Root canal (endodontics)	12 months	NSW / ACT Root canal obturation (417): $85.50 VIC Root canal obturation (417): $64.10 QLD Root canal obturation (417): $67.20 WA Root canal obturation (417): $72 SA, NT Root canal obturation (417): $85 TAS Root canal obturation (417): $73.20	$2,000 a yearShared with Major dental
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): $400	$800 a year
Glasses and contact lenses	6 months	NSW / ACT Single vision lenses and frames: $135 Multifocal lenses and frames: $195 VIC, WA Single vision lenses and frames: $129 Multifocal lenses and frames: $189 QLD, TAS, NT Single vision lenses and frames: $120 Multifocal lenses and frames: $180 SA Single vision lenses and frames: $115 Multifocal lenses and frames: $175	$250 a year
Non-PBS prescription medicines	2 months	NSW / ACT Per prescription: $31.10 VIC Per prescription: $21.90 QLD Per prescription: $36.70 WA, SA, NT Per prescription: $30.60 TAS Per prescription: $35.60	$600 a year
Physiotherapy	2 months	NSW / ACT Initial visit: $43.40 Subsequent visit: $24.20 VIC Initial visit: $43 Subsequent visit: $21.70 QLD Initial visit: $35.90 Subsequent visit: $23 WA Initial visit: $32.90 Subsequent visit: $21.70 SA, NT Initial visit: $32.90 Subsequent visit: $23 TAS Initial visit: $33.50 Subsequent visit: $23	$700 a year
Chiropractic	2 months	NSW / ACT Initial visit: $48.50 Subsequent visit: $21.80 VIC Initial visit: $41.20 Subsequent visit: $18.60 QLD Initial visit: $33.50 Subsequent visit: $19.40 WA Initial visit: $35 Subsequent visit: $19.20 SA Initial visit: $32.90 Subsequent visit: $19.20 TAS Initial visit: $33.50 Subsequent visit: $22.90 NT Initial visit: $33.50 Subsequent visit: $19.80	$400 a yearShared with Osteopathy
Podiatry	2 months	NSW / ACT Initial visit: $36.40 Subsequent visit: $20.80 VIC Initial visit: $36.40 Subsequent visit: $17.70 QLD Initial visit: $27.70 Subsequent visit: $19.50 WA Initial visit: $29 Subsequent visit: $22.10 SA Initial visit: $27.10 Subsequent visit: $19.50 TAS Initial visit: $36.40 Subsequent visit: $20.40 NT Initial visit: $25.10 Subsequent visit: $15.20	$400 a yearShared with Orthotics
Psychology	No waiting period	NSW / ACT Initial visit: $112.96 Subsequent visit: $93.55 VIC Initial visit: $113.71 Subsequent visit: $94.17 QLD Initial visit: $107.78 Subsequent visit: $89.26 WA Initial visit: $128.52 Subsequent visit: $106.44 SA Initial visit: $131.96 Subsequent visit: $109.28 TAS Initial visit: $105.89 Subsequent visit: $87.69 NT Initial visit: $123.62 Subsequent visit: $102.37	$400 a year
Acupuncture	2 months	NSW / ACT Initial visit: $20.80 Subsequent visit: $15.80 VIC Initial visit: $27.70 Subsequent visit: $17.70 QLD Initial visit: $30.20 Subsequent visit: $18.90 WA Initial visit: $27.10 Subsequent visit: $18.90 SA, NT Initial visit: $27.10 Subsequent visit: $15.80 TAS Initial visit: $30.80 Subsequent visit: $21.50	$400 a year
Remedial massage	2 months	NSW / ACT, VIC Initial visit: $30 Subsequent visit: $30 QLD, WA, SA, TAS, NT Initial visit: $20 Subsequent visit: $20	$150 a yearShared with Chinese herbal medicine, Exercise physiology
Hearing aids	36 months	NSW / ACT Per hearing aid: $400 VIC, QLD, SA, NT Per hearing aid: $600 WA, TAS Per hearing aid: $480	$800 a year
Blood glucose monitors	24 months	Blood glucose monitor: $150	$240 a year
Chinese herbal medicine	2 months	Initial visit: $20 Subsequent visit: $20	$150 a yearShared with Remedial massage, Exercise physiology
Dietetics	2 months	NSW / ACT Initial visit: $36.50 Subsequent visit: $19.80 VIC Initial visit: $27.10 Subsequent visit: $15.80 QLD Initial visit: $37.80 Subsequent visit: $19.40 WA Initial visit: $34.60 Subsequent visit: $19.50 SA Initial visit: $34.60 Subsequent visit: $17.10 TAS Initial visit: $25.20 Subsequent visit: $20.40 NT Initial visit: $34.60 Subsequent visit: $15.80	$400 a year
Exercise physiology	2 months	Initial visit: $20 Subsequent visit: $12	$150 a yearShared with Remedial massage, Chinese herbal medicine
Orthoptics	2 months	NSW / ACT Initial visit: $26 Subsequent visit: $23.90 VIC Initial visit: $14.80 Subsequent visit: $10.20 QLD Initial visit: $27 Subsequent visit: $20.40 WA Initial visit: $27.50 Subsequent visit: $19.90 SA, NT Initial visit: $18.40 Subsequent visit: $15.30 TAS Initial visit: $22.90 Subsequent visit: $20.40	$400 a year
Occupational therapy	2 months	NSW / ACT Initial visit: $36.50 Subsequent visit: $31.50 VIC Initial visit: $30.50 Subsequent visit: $18 QLD Initial visit: $36.50 Subsequent visit: $22.70 WA Initial visit: $30.20 Subsequent visit: $24.60 SA Initial visit: $47.20 Subsequent visit: $19.50 TAS Initial visit: $30.20 Subsequent visit: $19.40 NT Initial visit: $35.80 Subsequent visit: $22.10	$400 a year
Orthotics	2 months	Per pair of orthotics: 60% of the fee	$400 a yearShared with Podiatry
Osteopathy	2 months	NSW / ACT Initial visit: $48.50 Subsequent visit: $21.80 VIC Initial visit: $41.20 Subsequent visit: $18.60 QLD Initial visit: $33.50 Subsequent visit: $19.40 WA Initial visit: $35 Subsequent visit: $19.20 SA Initial visit: $32.90 Subsequent visit: $19.20 TAS Initial visit: $33.50 Subsequent visit: $22.90 NT Initial visit: $33.50 Subsequent visit: $19.80	$400 a yearShared with Chiropractic
Speech therapy	2 months	NSW / ACT Initial visit: $67 Subsequent visit: $29.60 VIC Initial visit: $49.10 Subsequent visit: $23.60 QLD Initial visit: $49.10 Subsequent visit: $24.50 WA Initial visit: $67.90 Subsequent visit: $29 SA Initial visit: $58.50 Subsequent visit: $30.20 TAS Initial visit: $34.60 Subsequent visit: $21.50 NT Initial visit: $58.50 Subsequent visit: $24	$400 a year

Not covered: Audiology (hearing tests), Vaccinations, Antenatal and postnatal care, Health management programs, Home nursing

Annual limits

Services in the same group share one limit.

General dental
No annual limit
Major dental, Root canal (endodontics)
$2,000 a year
Orthodontics (braces)
$800 a year
Glasses and contact lenses
$250 a year
Non-PBS prescription medicines
$600 a year
Physiotherapy
$700 a year
Chiropractic, Osteopathy
$400 a year
Podiatry, Orthotics
$400 a year
Psychology
$400 a year
Acupuncture
$400 a year
Remedial massage, Chinese herbal medicine, Exercise physiology
$150 a year
Hearing aids
$800 a year
Also includes other services not listed
Blood glucose monitors
$240 a year
Dietetics
$400 a year
Orthoptics
$400 a year
Occupational therapy
$400 a year
Speech therapy
$400 a year

Insurer's notes (original English)

Product features

Health appliances and external prostheses (2 month waiting period) fixed benefits, benefit replacements apply - $500 annual limit. Breathing appliances (12 month waiting period), fixed benefits, benefit replacement periods apply and $180 limit per member every 3 years. Blood glucose monitors share a per member limit of $240 every 3 years with Blood pressure monitors (24 month waiting period). Counselling and Pharmacogenetic Testing share an annual limit of $400 with Psychology. School accidents for pre-school, primary and secondary school students only, $800 annual limit, 2 month waiting period. Contact Medibank for more information.

Special features

A 12 month waiting period applies to surgical tooth extraction.

Frequently asked questions

How much does Medibank Gold Advantage $250 Excess pay for a scale and clean?

According to government data, Medibank Gold Advantage $250 Excess pays up to $49.40 per scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: No annual limit.

What are the waiting periods for Medibank Gold Advantage $250 Excess?

General dental 2 months, Major dental 12 months, Root canal (endodontics) 12 months, Orthodontics (braces) 12 months, Glasses and contact lenses 6 months, Non-PBS prescription medicines 2 months, Physiotherapy 2 months, Chiropractic 2 months, Podiatry 2 months, Psychology No waiting period, Acupuncture 2 months, Remedial massage 2 months, Hearing aids 36 months, Blood glucose monitors 24 months, Chinese herbal medicine 2 months, Dietetics 2 months, Exercise physiology 2 months, Orthoptics 2 months, Occupational therapy 2 months, Orthotics 2 months, Osteopathy 2 months, Speech therapy 2 months.

Can Medibank Gold Advantage $250 Excess be bought on its own?

This product combines hospital and Extras in one policy, with Gold hospital cover.

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