This was posted 4 months 18 days ago, and might be an out-dated deal.

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Join & Hold Extras Cover for 42 Days, Get 6 Weeks Free, 5,000 Live Better Points, 2- & 6-Month Wait Waiver @ Medibank

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Join & Hold Extras Cover for 42 Days, Get 6 Weeks Free, 5,000 Live Better Points, 2- & 6-Month Wait Waiver @ Medibank
Go to Deal
liamisred on 27/04/2025 - 14:08 medibank.com.au (1904 clicks)
Last edited 28/04/2025 - 15:36 by 1 other user
EXTRA6WEEKS

You can start claiming almost immediately with the waiver, make sure they're in the "member choice" network.
I'd personally hit:
- Optical
- Dental (Get all your checkup/fillings - you can date the cover to start just before your dental appointment)

Worth combining with:
$50 cashback offer
https://www.ozbargain.com.au/node/895392
Specsavers $30 Discount
https://www.ozbargain.com.au/node/900040

ᶲ For new members on new memberships who join and maintain eligible extras cover from 9 January and who have not held Medibank health cover in previous 60 days (unless they are a dependent coming off their parent’s cover). Must quote promo code EXTRA6WEEKS and set up direct debit when joining. Eligible extras cover means Medibank standalone extras policies, excluding Healthy Living Extras. Offer does not apply to combined Hospital & Extras covers, Corporate covers, Hospital Cover, Accident Cover, Ambulance Cover, Overseas Visitors Health Insurance, Overseas Students Health Cover (OSHC), Overseas Workers Health cover, ahm covers and other selected covers. Not available to Medibank employees. Not available with any other offer. Medibank reserves the right to amend these Terms and Conditions from time to time.

6 weeks free terms: Must maintain direct debit and hold eligible cover for 42 consecutive days (6 weeks) from the policy start date to get next 6 weeks free. The 6 weeks free will not be issued if you change to an ineligible cover, terminate your cover or suspend your cover during this period. Discounted amount to reflect level of eligible cover at time of discount.

2&6 month waits waived on extras terms: 2&6 month waiting periods on extras waived. Other waiting periods apply (including 12 months on some dental services). If you're switching from another fund and you've used any of your current limits (at that fund), that will count towards your annual limits with us. If you’ve reached your limits at your previous fund, you may not be able to claim straight away on extras.

Live Better rewards points terms: Must maintain direct debit and hold eligible product for 42 consecutive days after the policy start date to receive 5,000 Live Better rewards points (which may be redeemed for up to $50 in gift cards). The points will not be issued if you change to an ineligible cover, terminate your cover or suspend your cover during this period. Policyholder will require access to a smartphone and will need to download the My Medibank App. Policyholder will need to have registered a My Medibank account, sign up to Live Better rewards via the My Medibank App and track any Live Better rewards activity within 42 consecutive days from the policy start date. Policyholder must also maintain direct debit and continue to hold an eligible product for 42 consecutive days from the policy start date to receive the Live Better rewards points. Must be 16 years or over to register for Medibank Live Better rewards. Live Better rewards points could take up to 10 weeks from the policy start date to be loaded to the policyholder’s Live Better rewards account.

Live Better rewards terms: Must be a Medibank member with eligible 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 via the My Medibank app to redeem rewards. Additional terms and conditions may apply to the redemption of a reward depending on the type of reward chosen. Read full Medibank Live Better terms here: https://www.medibank.com.au/livebetter/rewards/terms/

^ Waiting period applies. For ambulance attendance or transportation to a hospital where immediate medical attention is required and your condition is such that you couldn't be transported any other way. TAS and QLD have State schemes that provide ambulance services for residents of those States.

= Eligible members on Medibank extras (excluding Healthy Living Extras and Gold Ultra Health) can claim a maximum of two 100% back dental check-ups per member, per year at a Members’ Choice Advantage provider (including bitewing x-rays where clinically required). For members on eligible extras, the first two check-ups do not count towards your annual limit. Members with Healthy Living Extras can get 100% back on one dental check-up each year at a Members’ Choice Advantage provider (including up to two bitewing x-rays, where clinically required) or at a Members’ Choice provider (excluding x-rays). Members with Gold Ultra Health can get 100% back on up to three dental check-ups at a Members’ Choice or Members’ Choice Advantage provider. Members’ Choice and Members’ Choice Advantage providers are not available in all areas. Two month waiting period applies. Some products may have other dental benefits, check your cover summary for details.

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closed Comments

  • YesPleaseThankYou on 27/04/2025 - 14:42
    +2

    Deleted my comment as on further reading I see you have posted Medibank's Extras offer, not the Hospital and Extras promo. My comment thus would only serve to confuse.

    • liamisred on 27/04/2025 - 14:43

      Extras promo is also common offer so you're not too far off the mark :)

      • YesPleaseThankYou on 27/04/2025 - 14:47
        +2

        Medibank and Bupa have recently started making Extras- and Hospital-only offers, which is interesting. Previously, health insurance promos have required taking out Hospital and Extras.

        I'll still stick with Hospital and Extras for my churning, as these promos are by far more common across the industry (plus, I need Hospital cover to reduce tax).

        • liamisred on 27/04/2025 - 14:51
          +1

          I think the extras only is good for if you're either a below the threshold that it makes sense, a family or if you're a young poor person (e.g uni/tafe students)

  • liamisred on 27/04/2025 - 14:44
    +3

    If anyone needs a sign to see a dentist, this is it, as apart from public dental this is probably the cheapest route to go. (root canals, crowns and implants are 📈)

    • YesPleaseThankYou on 27/04/2025 - 14:47
      +1

      The most expensive dental, however, won't be covered by the 2&6 month waits waiver.

      • liamisred on 27/04/2025 - 14:49
        +3

        Yah, meant it in a preventative general dental w/ filings/fluoride treatment vs needing to get major dental (apologies!)

        • J0hn on 27/04/2025 - 15:25
          +1

          never had these health insurance before. basically just join to meet the criteria, claim optical/dentist then cancel?

          • YesPleaseThankYou on 27/04/2025 - 15:26
            +3

            @J0hn: ✅ Correct

            And best of all, Medibank allows the membership card to be added to your phone wallet, so you can be up and running very quickly.

            • liamisred on 27/04/2025 - 15:53
              +1

              @YesPleaseThankYou: Worth getting it going the day before and asking to get a quote for what your insurance will cover and using your apple/android pay healthcare card to see if it works (then you can cancel without penalty if something has gone wrong)

            • J0hn on 27/04/2025 - 16:18

              @YesPleaseThankYou: for the payment, which do I choose for the most effective or they all same?- weekly/fortnightly/month ? also I just select the 60%(lowest one) extra claim back?

              • liamisred on 27/04/2025 - 16:23

                @J0hn: Look, you could go 60% but depends if you need fillings, given a filling can easily go for 200-300, why save money now when you could get the extra 30% when getting a filling redone? (bit of gamble though)

              • liamisred on 27/04/2025 - 16:29
                +1

                @J0hn: Top Extras for Vic assuming highest rebate is:
                60% - 56pm ($84 total)
                75% - 87pm ($130 total)
                90% 127pm ($190 total)

                There's also lower coverages with less stuff here:
                https://www.medibank.com.au/health-insurance/extras-cover/
                e.g 60% back but max $500 for $29 pm - https://www.medibank.com.au/health-insurance/cover/healthy-s…
                or
                75% max $750 for $39pm

                But if you can I'd just go with the top cover given the idea is you can cancel it
                If you do wanna cancel it to save money, consider transferring to AHM choosable 50 - https://ahm.com.au/health-insurance/extras-cover/choosable-5… then you get a free checkup and clean every year so you can know how you're going dental health wise + you already have served a wait period of 3 months so only another 9 months till major dental

                • J0hn on 27/04/2025 - 16:38

                  @liamisred: I just want the cheapest just for the dental

                  • YesPleaseThankYou on 27/04/2025 - 16:40
                    +1

                    @J0hn: But you (presumably) also want the most refund back from the fund when you do claim.

                    I think you need to read more about private health insurance before you take out a policy. Start here: https://www.privatehealth.gov.au/

                  • timedzone on 27/04/2025 - 18:25

                    @J0hn: For short term policies you always go with the most expensive ones. Just pick Top 90% and thank me later.

                    Also you dont need to worry about the payment frequency, you would want to skip direct debit and pay adhoc by the days.

                    Go and Google PHIS if you dont know what that is. You will need to take a good look at the details.

                    • YesPleaseThankYou on 27/04/2025 - 18:41

                      @timedzone: You suggest:

                      you would want to skip direct debit and pay adhoc by the days

                      Oh really? The terms of this promotion require:

                      Must quote promo code EXTRA6WEEKS and set up direct debit when joining.

                      It seems that you don't care too much for the rules.

                      • timedzone on 27/04/2025 - 19:19

                        @YesPleaseThankYou: He is looking for a short-term policy, not the 6 weeks free offer.
                        Also you have no choice but to set up a direct debit arrangement when joining Medibank; however whether that direct debit arrangement actually works is a totally separate issue.

                        • YesPleaseThankYou on 27/04/2025 - 20:54

                          @timedzone:

                          He is looking for a short-term policy, not the 6 weeks free offer.

                          I don't think you can get the waits waived without direct debit, at least not under this promotion.

                          • timedzone on 28/04/2025 - 19:07

                            @YesPleaseThankYou: As I said above, you cant even buy a Medibank policy without setting up direct debit, but a direct debit arrangement can fail for all kinds of reasons.

  • Micky14 on 27/04/2025 - 15:22
    +3

    This is a good offer. I joined this and went to dentist the next day for a check up. And because the dentist is one of the Member Choice. Got covered 100% of $237. But unfortunately found a cavity that needs root canal which is not covered. I've decided to remove the tooth. 🥹

      • alfawex on 27/04/2025 - 15:51

        Is claiming from 2 funds legal?

        • liamisred on 27/04/2025 - 15:51

          I saw another Ozb post about it, as long as you don't claim the AGR on a second policy I think it's fine

          • timedzone on 27/04/2025 - 18:34

            @liamisred: Receiving AGR on multiple policies is absolutely fine. I think many Ozbargainers would have a HCF policy just for HCF thank you and another policy that they actually use.

            • YesPleaseThankYou on 27/04/2025 - 18:42

              @timedzone:

              I think many Ozbargainers would have a HCF policy just for HCF thank you and another policy that they actually use.

              I highly doubt that.

        • YesPleaseThankYou on 27/04/2025 - 16:40
          +2

          Is claiming from 2 funds legal?

          Claiming for the same service from two funds is insurance fraud.

          • liamisred on 27/04/2025 - 18:23

            @YesPleaseThankYou: Fair enough, will remove

          • timedzone on 27/04/2025 - 18:33

            @YesPleaseThankYou: It is not fraudulent as long as you are not claiming for more than 100% of invoice amount. Insurance is meant to indemnify instead of to profit.

            • YesPleaseThankYou on 27/04/2025 - 18:39

              @timedzone: The Fund Rules of some funds prohibit having the same type of policy (eg, hospital or extras) with two different funds. I am sure they do this for good reason, eg:

              • so you are not claiming an entitlement to the Australian Government Rebate (AGR) from more than one fund or
              • not claiming for the same item from multiple funds.
              • timedzone on 27/04/2025 - 18:45

                @YesPleaseThankYou: Could you share the reference on no multiple AGR claims? I can understand some funds may have their own rules to prohibit holding other similar policies but I dont think it would be considered as fraudulent as long as no over-claiming.

                • YesPleaseThankYou on 27/04/2025 - 18:51

                  @timedzone:

                  Could you share the reference on no multiple AGR claims?

                  I don't have a reference for it (but certainly would like one). Others, over time, have asked the funds and reported receiving responses both confirming the prohibition and denying that one exists. (I might have to pore over the relevant legislation, one day.)

                  From a commonsense perspective, I can't see that the government would allow claiming the rebate for 2 funds at the same time, for the same type of policy. That would not be an efficient use of taxpayer resources.

                  I can understand some funds may have their own rules to prohibit holding other similar policies

                  As I said, my view is that the clauses likely exist for the reasons I laid out. The funds that don't have such clauses, probably should.

                  I dont think it would be considered as fraudulent as long as no over-claiming.

                  That's your view. My view is that it's too risky, not worth the effort, and therefore I don't even consider it.

                  • timedzone on 27/04/2025 - 19:08

                    @YesPleaseThankYou: Interesting, I am just speaking out of my own Google research and experience. I didn't find anything against claiming multiple AGRs and I have been holding the cheapest HCF extras policy for a few years solely for the purpose of HCF thank you, alongside another policy that I actually claims on.
                    During tax time both policies came up auto-filled on the form and you just need to assign the relevant code to each of them. There have never been any problems. Maybe the rebate is too insignificant on the HCF policy but it feels like the ATO form has been specifically design to cater to multiple AGRs.

                    • YesPleaseThankYou on 27/04/2025 - 20:52

                      @timedzone:

                      I am just speaking out of my own … experience

                      Just because you can do something doesn't make it legal. Please use your Google skills to find the relevant legislation and let's have a chat :)

                      During tax time both policies came up auto-filled on the form and you just need to assign the relevant code to each of them.

                      Yes, sure — as a regular churner, I have 5–6 funds prefilled, but the periods I have held those funds never overlaps.

                      • timedzone on 27/04/2025 - 21:14

                        @YesPleaseThankYou: Usually if you can't find a law against something, then it is legal. You also need to make a distinction between illegal/fraudulent and breach of contract/fund rules regarding having multiple policies. I would say over-claiming (claim more than originally paid) would be most likely fraudulent but merely holding 2 policies and possibly double claiming under 100%, even if against the fund rules is simply a breach of contract and the worst case scenario is being declined a claim. In fact I have never seen a fund that specifically ask you to declare that when you lodge a claim.
                        Btw mine completely overlaps (HCF all year round and other funds sporadically) and they still fill up fine. It would be extremely easy to flag out if that's indeed against any laws.

                        • YesPleaseThankYou on 27/04/2025 - 21:21

                          @timedzone:

                          Usually if you can't find a law against something, then it is legal.

                          Ha, if only life were that simple.

                          This element of the discussion is going around in circles. Neither of us have knowledge of the law applicable to how the Australian Government Rebate is intended to operate.

                          In fact I have never seen a fund that specifically ask you to declare that when you lodge a claim.

                          Declare what? That you are not a member of another fund? That you have not claimed the same item elsewhere?

                          It would be extremely easy to flag out if that's indeed against any laws.

                          That might be the case, but there might be other priorities. Just because there's no enforcement, that doesn't make it legal.

                          • timedzone on 27/04/2025 - 21:25

                            @YesPleaseThankYou: Well, so it just boils down to if you are happy to take the risk. Worst case you need to pay the AGR back, no big deal. I don't think there is going to be any penalty when it is this unclear.

    • liamisred on 27/04/2025 - 16:32

      Also in future, not sure if you're eligible or even victorian but made a post just for you here - https://www.ozbargain.com.au/node/903416 so you can get a root canal in future (if in vic pls join the wait list since if you have one tooth that needed a root canal, odds are another tooth will need one

  • Rochie on 27/04/2025 - 16:21

    What about the part that says limits used by prior fund will carry over. Just say you didnt have private health when joining?

    • liamisred on 27/04/2025 - 16:22
      +1

      I can't advise you what to do but I can tell you that unless you joined a linked health fund (e.g medibank/ahm), I don't understand how they'd get that information.

      • Rochie on 27/04/2025 - 19:06

        That was my thought exactly.

    • YesPleaseThankYou on 27/04/2025 - 16:43

      If you are transferring from another fund, then your past claims will be transferred via the Transfer Certificate. See The right to change.

    • timedzone on 28/04/2025 - 19:04

      You get to keep your 12m+ waiting period served status at the expense of reduced limits with a transfer certs. Whether that makes sense would be totally dependent on your personal circumstance.
      And arguably you might have breached your duty of disclosure when you say you did not have another policy when you actually do. They can reduce/dent your claim if they finds out.

  • Frozensage on 27/04/2025 - 16:55
    +1

    Used to be 30 days. Now 42. Soon be 60 and 90 like NIB.

    • YesPleaseThankYou on 27/04/2025 - 18:44

      I would never recommend NIB, for all sorts of reasons - the main one being that it just doesn't pay back enough and high management expenses. See the Performance tab here https://www.privatehealth.gov.au/dynamic/Insurer/Details/NIB

      • timedzone on 27/04/2025 - 21:20
        -1

        NIB is actually excellent for short-term holdings, with their 75% top extras that is no longer available for sale now. It offers a flat 75% claim back without the concept of in-network providers and also offer no-cap 75% claim back on S4/8 non-PBS.
        NIB still currently underwrites a range of similar 75% top extras for other retailers, such as Qantas. Usually similar coverage is only available through corporate channels but not sold to individuals.

        • YesPleaseThankYou on 27/04/2025 - 21:28

          no longer available for sale

          If it's no longer available for sale, then it is no use to anyone other than those foolishly holding on to it.

          I say foolishly, because if one has the time and inclination, they would be much better off churning through promotional offers.

          Look at this https://www.gmhba.com.au/health-insurance/extras-cover — the Top Extras 75% — '75% back on extras at any registered provider'.

          • timedzone on 27/04/2025 - 23:19
            -1

            @YesPleaseThankYou: Yes that GMHBA one would be another example of similar extra covers, but I believe NIB is the biggest underwriter for this type of policies. You can check out policies such as Qantas Top Extras, ING Premium Extras, Priceline Premium Extras and Real Top Extras, they are all underwritten by NIB on a similar structure.
            Talking about being foolish, I would say it is foolish to hold (thus to churn) extra policies on a long term basis. It is like gamblers trying to beat the house and the law of large numbers. If you use the policies just as intended by the insurance companies, you are not going to outsmart their maths even if you churn and get some free days.

            • YesPleaseThankYou on 03/05/2025 - 16:23

              @timedzone: You seem to really like NIB.

              If you use the policies just as intended by the insurance companies, you are not going to outsmart their maths even if you churn and get some free days.

              Wrong.

  • FatTofu on 27/04/2025 - 18:13

    Only previous 60 days? Can churn back and forth

  • ozbargainerlife1 on 27/04/2025 - 19:00
    -1

    is the best one for churning or should for EOFY offers?

    • liamisred on 27/04/2025 - 19:00
      +1

      How long is a piece of string

    • YesPleaseThankYou on 27/04/2025 - 20:55

      is the best one for churning

      Yes.

      or should for EOFY offers?

      Yes.

  • Mintee on 27/04/2025 - 19:04

    Wait; so, Could I just extra's (have medibank hospital right now) - Join, claim and then cancel my extras?

    Edit…. wait…. i just re-read it, new members only

    • liamisred on 27/04/2025 - 19:13

      yeh 60 days

  • Windy711 on 28/04/2025 - 12:25

    Find another promotion on Medibank website. Which is better?

    Join and maintain eligible Bronze hospital and extras cover or above and you could get 6 weeks free plus 50,000 Live Better points (couples and families) or 25,000 Live Better points (singles and single parents) to redeem on rewards like gift cards. We'll also waive 2&6 month waiting periods on extras.
    Use promo code: 6WEEKSPLUS. New members only.

    • liamisred on 28/04/2025 - 12:36

      Do you need hospital cover/does it make financial sense to have hospital cover? Depends on your circumstances

      • Windy711 on 28/04/2025 - 12:39

        hospital cover only for tax reduction

        • liamisred on 28/04/2025 - 12:46

          Or if you think you're going to need it/rarer conditions the need specialist input

    • fleetoiler on 28/04/2025 - 13:25

      Do you have a link or screenshot? I can't find this one, the 6WEEKSPLUS code doesn't work for me when adding hospital cover to the extras.

  • Sean 8738 on 28/04/2025 - 23:09
    +1

    And if you are still holding the cover on 30th Jun, Medibank will give $50 cash back as well, which you will receive if you hold for 42 days + 6 weeks from now

  • VQLD on 29/04/2025 - 09:19
    +1

    FYI. LB points can be converted to $200 Premium payment only once a year.

    • liamisred on 03/05/2025 - 17:27

      claim benefits instantly, no wait period deal.
      After 42 days you get 6 weeks of premiums free

  • Westpac on 14/05/2025 - 15:06
    -1

    Is it 8 weeks now? EXTRA8WEEKS

    • liamisred on 19/05/2025 - 07:28

      Different offer

  • Westpac on 14/05/2025 - 15:24

    Can i cancel after 42 days and still be covered for 6 weeks?

    • liamisred on 19/05/2025 - 07:29

      Pay for 42 days, cancel at the 11 week mark before your next payment

  • Bluey123 on 18/05/2025 - 16:43

    What does $50,000 points convert to?

    • liamisred on 19/05/2025 - 07:29

      Only 5000 points, a few amcal $10 maybe?

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