Extras-onlyClosed

Smart Choice Extras Cover

A Extras-only 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): $33.70 Scale and clean (114): $38 Fluoride (121): $22 VIC Periodic exam (012): $28.90 Scale and clean (114): $33.80 Fluoride (121): $17.20 QLD Periodic exam (012): $20 Scale and clean (114): $36.20 Fluoride (121): $19 WA Periodic exam (012): $22.80 Scale and clean (114): $35.60 Fluoride (121): $15.50 SA Periodic exam (012): $20.10 Scale and clean (114): $38.30 Fluoride (121): $16.10 TAS Periodic exam (012): $20.70 Scale and clean (114): $37 Fluoride (121): $15 NT Periodic exam (012): $20.10 Scale and clean (114): $39.80 Fluoride (121): $16.10	$800 a yearShared with Root canal (endodontics)
Major dental	12 months	Full crown, veneered (615): $300	$300 a yearShared with Orthodontics (braces), Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Chinese herbal medicine, Dietetics, Exercise physiology, Orthoptics, Occupational therapy, Orthotics, Osteopathy, Speech therapy
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	$800 a yearShared with General dental
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): $300	$300 a yearShared with Major dental, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Chinese herbal medicine, Dietetics, Exercise physiology, Orthoptics, Occupational therapy, Orthotics, Osteopathy, Speech therapy
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	$225 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	$300 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	$300 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: $35.50 Subsequent visit: $22.90 NT Initial visit: $33.50 Subsequent visit: $19.80	$300 a yearShared with Major dental, Orthodontics (braces), Podiatry, Psychology, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Chinese herbal medicine, Dietetics, Exercise physiology, Orthoptics, Occupational therapy, Orthotics, Osteopathy, Speech therapy
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: $27.20 Subsequent visit: $19.50 WA Initial visit: $29 Subsequent visit: $22.10 SA Initial visit: $27.10 Subsequent visit: $19.50 TAS Initial visit: $26.50 Subsequent visit: $20.40 NT Initial visit: $25.10 Subsequent visit: $15.20	$300 a yearShared with Major dental, Orthodontics (braces), Chiropractic, Psychology, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Chinese herbal medicine, Dietetics, Exercise physiology, Orthoptics, Occupational therapy, Orthotics, Osteopathy, Speech therapy
Psychology	No waiting period	NSW / ACT Initial visit: $101.33 Subsequent visit: $88.11 VIC Initial visit: $102 Subsequent visit: $88.70 QLD Initial visit: $96.68 Subsequent visit: $84.07 WA Initial visit: $115.29 Subsequent visit: $100.25 SA Initial visit: $118.37 Subsequent visit: $102.93 TAS Initial visit: $94.99 Subsequent visit: $82.60 NT Initial visit: $110.89 Subsequent visit: $96.42	$300 a yearShared with Major dental, Orthodontics (braces), Chiropractic, Podiatry, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Chinese herbal medicine, Dietetics, Exercise physiology, Orthoptics, Occupational therapy, Orthotics, Osteopathy, Speech therapy
Acupuncture	2 months	NSW / ACT Initial visit: $20.80 Subsequent visit: $15.80 VIC Initial visit: $25.10 Subsequent visit: $15.80 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	$300 a yearShared with Major dental, Orthodontics (braces), Chiropractic, Podiatry, Psychology, Remedial massage, Hearing aids, Blood glucose monitors, Chinese herbal medicine, Dietetics, Exercise physiology, Orthoptics, Occupational therapy, Orthotics, Osteopathy, Speech therapy
Remedial massage	2 months	NSW / ACT, VIC Initial visit: $30 Subsequent visit: $30 QLD, WA, SA, TAS, NT Initial visit: $20 Subsequent visit: $20	$300 a yearShared with Major dental, Orthodontics (braces), Chiropractic, Podiatry, Psychology, Acupuncture, Hearing aids, Blood glucose monitors, Chinese herbal medicine, Dietetics, Exercise physiology, Orthoptics, Occupational therapy, Orthotics, Osteopathy, Speech therapy
Hearing aids	36 months	Per hearing aid: $300	$300 a yearShared with Major dental, Orthodontics (braces), Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Blood glucose monitors, Chinese herbal medicine, Dietetics, Exercise physiology, Orthoptics, Occupational therapy, Orthotics, Osteopathy, Speech therapy
Blood glucose monitors	24 months	Blood glucose monitor: $150	$300 a yearShared with Major dental, Orthodontics (braces), Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Hearing aids, Chinese herbal medicine, Dietetics, Exercise physiology, Orthoptics, Occupational therapy, Orthotics, Osteopathy, Speech therapy
Chinese herbal medicine	2 months	Initial visit: $20 Subsequent visit: $20	$300 a yearShared with Major dental, Orthodontics (braces), Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Dietetics, Exercise physiology, Orthoptics, Occupational therapy, Orthotics, Osteopathy, Speech therapy
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: $25.50 Subsequent visit: $20.40 NT Initial visit: $34.60 Subsequent visit: $15.80	$300 a yearShared with Major dental, Orthodontics (braces), Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Chinese herbal medicine, Exercise physiology, Orthoptics, Occupational therapy, Orthotics, Osteopathy, Speech therapy
Exercise physiology	2 months	Initial visit: $20 Subsequent visit: $10	$300 a yearShared with Major dental, Orthodontics (braces), Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Chinese herbal medicine, Dietetics, Orthoptics, Occupational therapy, Orthotics, Osteopathy, Speech therapy
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	$300 a yearShared with Major dental, Orthodontics (braces), Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Chinese herbal medicine, Dietetics, Exercise physiology, Occupational therapy, Orthotics, Osteopathy, Speech therapy
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	$300 a yearShared with Major dental, Orthodontics (braces), Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Chinese herbal medicine, Dietetics, Exercise physiology, Orthoptics, Orthotics, Osteopathy, Speech therapy
Orthotics	2 months	Per pair of orthotics: 60% of the fee	$300 a yearShared with Major dental, Orthodontics (braces), Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Chinese herbal medicine, Dietetics, Exercise physiology, Orthoptics, Occupational therapy, Osteopathy, Speech therapy
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: $39.20 Subsequent visit: $19.20 TAS Initial visit: $33.50 Subsequent visit: $22.90 NT Initial visit: $33.50 Subsequent visit: $19.80	$300 a yearShared with Major dental, Orthodontics (braces), Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Chinese herbal medicine, Dietetics, Exercise physiology, Orthoptics, Occupational therapy, Orthotics, Speech therapy
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	$300 a yearShared with Major dental, Orthodontics (braces), Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Chinese herbal medicine, Dietetics, Exercise physiology, Orthoptics, Occupational therapy, Orthotics, Osteopathy

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, Root canal (endodontics)
$800 a year
Major dental, Orthodontics (braces), Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Chinese herbal medicine, Dietetics, Exercise physiology, Orthoptics, Occupational therapy, Orthotics, Osteopathy, Speech therapy
$300 a year
Also includes other services not listed
Glasses and contact lenses
$225 a year
Non-PBS prescription medicines
$300 a year
Physiotherapy
$300 a year

Insurer's notes (original English)

Other services

Health appliances and external prostheses 2mth waiting period, Breathing appliances 12 mth waiting period, fixed benefits, sublimits and benefit replacement periods apply shared combined annual limit with Major Dental. - Counselling (no waiting period) shares an annual limit with Psychology. Please contact Medibank for more information.

Special features

A 12 month waiting period applies for surgical tooth extraction. Exercise physiology benefits are $20.00 for individual consultations and $10.00 for group consultations.

Frequently asked questions

How much does Smart Choice Extras Cover pay for a scale and clean?

According to government data, Smart Choice Extras Cover pays up to $38 per scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $800 a year.

What are the waiting periods for Smart Choice Extras Cover?

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 Smart Choice Extras Cover be bought on its own?

Yes. This product doesn't need to be held with hospital cover.

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