Extras-onlyClosed

Top Extras 90

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): $36.40 Scale and clean (114): $66 Fluoride (121): $22 Extraction (322): $159.20 VIC Periodic exam (012): $34.90 Scale and clean (114): $67.60 Fluoride (121): $20 Extraction (322): $144.10 QLD Periodic exam (012): $34.90 Scale and clean (114): $66.80 Fluoride (121): $19.40 Extraction (322): $150.10 WA Periodic exam (012): $35.70 Scale and clean (114): $67.50 Fluoride (121): $19.70 Extraction (322): $140.30 SA Periodic exam (012): $34.90 Scale and clean (114): $68.20 Fluoride (121): $20.60 Extraction (322): $144 TAS Periodic exam (012): $40.20 Scale and clean (114): $67.50 Fluoride (121): $22 Extraction (322): $166.80 NT Periodic exam (012): $55.20 Scale and clean (114): $81.90 Fluoride (121): $19.80 Extraction (322): $189.40	No annual limit
Major dental	12 months	NSW / ACT, QLD Full crown, veneered (615): $1,022.90 VIC Full crown, veneered (615): $985 WA Full crown, veneered (615): $924.50 SA Full crown, veneered (615): $954.70 TAS Full crown, veneered (615): $1,038.10 NT Full crown, veneered (615): $1,098.70	$1,200 a yearShared with Root canal (endodontics)
Root canal (endodontics)	12 months	NSW / ACT Root canal obturation (417): $163.10 VIC Root canal obturation (417): $178.20 QLD Root canal obturation (417): $201 WA Root canal obturation (417): $166.90 SA Root canal obturation (417): $179.70 TAS Root canal obturation (417): $193.30 NT Root canal obturation (417): $182	$1,200 a yearShared with Major dental
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): 100% of the fee	$1,000 a year
Glasses and contact lenses	6 months	Single vision lenses and frames: 100% of the fee Multifocal lenses and frames: 100% of the fee	$250 a year
Non-PBS prescription medicines	2 months	Per prescription: $41	$600 a year
Physiotherapy	2 months	NSW / ACT Initial visit: $58.10 Subsequent visit: $48.50 VIC Initial visit: $58.90 Subsequent visit: $46.90 QLD Initial visit: $59.70 Subsequent visit: $50.10 WA Initial visit: $57.30 Subsequent visit: $49.40 SA Initial visit: $54.10 Subsequent visit: $46.20 TAS Initial visit: $58.10 Subsequent visit: $49.40 NT Initial visit: $66.80 Subsequent visit: $54.90	$700 a year
Chiropractic	2 months	NSW / ACT Initial visit: $63.60 Subsequent visit: $44 VIC Initial visit: $58.90 Subsequent visit: $41.40 QLD Initial visit: $56.50 Subsequent visit: $40.60 WA Initial visit: $58.90 Subsequent visit: $40.60 SA Initial visit: $57.30 Subsequent visit: $39 TAS Initial visit: $57.30 Subsequent visit: $43 NT Initial visit: $60.50 Subsequent visit: $43	$500 a yearShared with Osteopathy
Podiatry	2 months	NSW / ACT Initial visit: $51 Subsequent visit: $41.20 VIC Initial visit: $51.80 Subsequent visit: $40.40 QLD Initial visit: $50.20 Subsequent visit: $40.40 WA Initial visit: $54.70 Subsequent visit: $41.10 SA Initial visit: $50.60 Subsequent visit: $39.60 TAS Initial visit: $50.30 Subsequent visit: $40.40 NT Initial visit: $51.70 Subsequent visit: $42.50	$500 a yearShared with Orthotics
Psychology	No waiting period	NSW / ACT Initial visit: $160.77 Subsequent visit: $139.80 VIC Initial visit: $158.67 Subsequent visit: $137.97 QLD Initial visit: $135.35 Subsequent visit: $117.70 WA Initial visit: $161.40 Subsequent visit: $140.35 SA Initial visit: $165.72 Subsequent visit: $144.10 TAS Initial visit: $132.98 Subsequent visit: $115.63 NT Initial visit: $155.24 Subsequent visit: $134.99	$500 a year
Acupuncture	2 months	NSW / ACT Initial visit: $41 Subsequent visit: $30 VIC Initial visit: $49.30 Subsequent visit: $36.50 QLD Initial visit: $47.90 Subsequent visit: $38 WA Initial visit: $53.90 Subsequent visit: $44 SA Initial visit: $47.10 Subsequent visit: $38 TAS Initial visit: $50.90 Subsequent visit: $39.50 NT Initial visit: $47.80 Subsequent visit: $45.60	$400 a yearShared with Remedial massage, Chinese herbal medicine, Exercise physiology
Remedial massage	2 months	NSW / ACT, VIC, QLD, WA Initial visit: $58.40 Subsequent visit: $39.40 SA Initial visit: $54.70 Subsequent visit: $39.40 TAS Initial visit: $54.60 Subsequent visit: $39.40 NT Initial visit: $69.80 Subsequent visit: $54.60	$400 a yearShared with Acupuncture, Chinese herbal medicine, Exercise physiology
Hearing aids	36 months	Per hearing aid: 100% of the fee	$1,200 a year
Blood glucose monitors	24 months	Blood glucose monitor: 100% of the fee	$250 a year
Chinese herbal medicine	2 months	Initial visit: $27 Subsequent visit: $27	$400 a yearShared with Acupuncture, Remedial massage, Exercise physiology
Dietetics	2 months	NSW / ACT Initial visit: $69.30 Subsequent visit: $38.20 VIC Initial visit: $63.40 Subsequent visit: $39.80 QLD Initial visit: $63.30 Subsequent visit: $39.60 WA Initial visit: $62.50 Subsequent visit: $34.50 SA Initial visit: $71 Subsequent visit: $34.80 TAS Initial visit: $71.20 Subsequent visit: $39.30 NT Initial visit: $68.40 Subsequent visit: $35	$500 a year
Exercise physiology	2 months	Initial visit: $27 Subsequent visit: $15	$400 a yearShared with Acupuncture, Remedial massage, Chinese herbal medicine
Orthoptics	2 months	Initial visit: $52.50 Subsequent visit: $42.50	$500 a year
Occupational therapy	2 months	NSW / ACT Initial visit: $78.90 Subsequent visit: $46.80 VIC Initial visit: $59.30 Subsequent visit: $43.30 QLD Initial visit: $67.60 Subsequent visit: $45.40 WA Initial visit: $63.80 Subsequent visit: $35.90 SA Initial visit: $67.50 Subsequent visit: $43.30 TAS Initial visit: $77.70 Subsequent visit: $56.90 NT Initial visit: $130.70 Subsequent visit: $54.10	$500 a year
Orthotics	2 months	Per pair of orthotics: 90% of the fee	$500 a yearShared with Podiatry
Osteopathy	2 months	NSW / ACT Initial visit: $63.60 Subsequent visit: $44 VIC Initial visit: $58.90 Subsequent visit: $41.40 QLD Initial visit: $56.50 Subsequent visit: $40.60 WA Initial visit: $58.90 Subsequent visit: $40.60 SA Initial visit: $57.30 Subsequent visit: $39 TAS Initial visit: $57.30 Subsequent visit: $43 NT Initial visit: $60.50 Subsequent visit: $43	$500 a yearShared with Chiropractic
Speech therapy	2 months	NSW / ACT Initial visit: $99.40 Subsequent visit: $46.10 VIC Initial visit: $91.40 Subsequent visit: $52.40 QLD Initial visit: $87.70 Subsequent visit: $44.40 WA Initial visit: $102.70 Subsequent visit: $48.90 SA Initial visit: $92.80 Subsequent visit: $55.10 TAS Initial visit: $74.50 Subsequent visit: $50.10 NT Initial visit: $89.60 Subsequent visit: $52.20	$500 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)
$1,200 a year
Orthodontics (braces)
$1,000 a year, $3,000 lifetime
Glasses and contact lenses
$250 a year
Non-PBS prescription medicines
$600 a year
Physiotherapy
$700 a year
Chiropractic, Osteopathy
$500 a year
Podiatry, Orthotics
$500 a year
Psychology
$500 a year
Acupuncture, Remedial massage, Chinese herbal medicine, Exercise physiology
$400 a year
Hearing aids
$1,200 a year, 1 per 5 years
Blood glucose monitors
$250 a year, 1 per 3 years
Dietetics
$500 a year
Orthoptics
$500 a year
Occupational therapy
$500 a year
Speech therapy
$500 a year

Insurer's notes (original English)

Product features

One of Medibank's top extras covers with generous annual limits that apply to each person covered on the membership. Easy online and electronic claiming.

Other services

Health appliances and external prostheses 2 mth waiting period. Fixed benefits and various benefits replacement periods apply. $500 annual limit. Breathing appliances (12mth waiting period) and Blood pressure monitors (24mth waiting period) 1 appliance every 36 months, shared annual limit with Blood glucose monitors. Counselling (no waiting period) shares an annual limit with Psychology. Please contact Medibank for more information.

Special features

A 12 month waiting period applies to surgical tooth extraction. Exercise physiology benefit is $27.00 for individual consultations and $15.00 for group consultations. Orthodontics has a $1000 opening balance then a top up of $500 per year up to a $3000 lifetime limit.

Frequently asked questions

How much does Top Extras 90 pay for a scale and clean?

According to government data, Top Extras 90 pays up to $66 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 Top Extras 90?

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 Top Extras 90 be bought on its own?

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

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