Compare your extras cover options

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SERVICES EXPLAINED

  • Included benefit

  • Excluded benefit

RECOMMENDED

Basic Extras

Low-cost extras cover for General Dental, Optical and 5 other common services.

View product sheet
RECOMMENDED

Flex 50

Look after your health, your way with 50% or more back on 12 popular services.
View product sheet
RECOMMENDED

Flex 60

Look after your health, your way with 60% or more back on 12 popular services.
View product sheet
RECOMMENDED

Complete 60

Affordable cover for a wide range of extras services with 60% or more back.

View product sheet
RECOMMENDED

Top 70

Top cover for a wide range of extras services for peace of mind.
View product sheet

EXTRAS HEALTH SERVICES BY CATEGORY

Covers preventative dental treatments like examinations, scale & cleans, and custom mouthguards.

Covers restorative treatments like simple fillings and extractions to fix common dental issues.

Covers complex treatments that involve repairing or replacing teeth like crowns, root canals, dentures, bridges and dental implants.

Covers treatments that straighten teeth and correct problems with biting, chewing, and jaw alignment like braces and retainers.

Covers prescription glasses and contact lenses to correct vision impairments.

Covers physiotherapy consultations to treat physical issues caused by injury, illness and ageing.

Covers chiropractic consultations to treat health problems related to the skeletal and muscular system.

Covers osteopathic consultations to treat muscle and joint issues through massage and manipulation to improve mobility and reduce pain.

Covers unlimited urgent ambulance treatment or transport by road only (excludes air transport). Ambulance services are not free or not covered by Medicare or the Government in most Australian states (Queensland and Tasmania exempt).

Covers a range of health services like weight management programs, quit smoking programs, and flu vaccinations, all designed to prevent illness and improve overall health and wellbeing.

Covers remedial massage consultations to treat injury or illness through the manipulation of soft tissue.

Covers consultations for acupuncture, hypnotherapy, myotherapy, remedial massage and traditional Chinese medicine to holistically manage and treat illness and injury.

Covers consultations with an exercise physiologist to prevent, treat and manage chronic illness and injury through exercise.

Covers pharmaceutical items not listed on the General Schedule of the Government Pharmaceutical Benefits Scheme (PBS), allowing access to a broader range of medications.

Covers podiatry consultations, orthotics and procedures to treat conditions affecting ankles and feet.

Covers the cost of hearing aids for people with hearing impairments

Covers medically necessary appliances and prostheses like post-surgical bras, blood glucose monitors, and joint braces, that help manage, monitor or treat a health condition.

Covers occupational therapy consultations, which help people with physical, mental, or developmental conditions engage in everyday activities.

Covers consultations with a psychologist or clinical psychologist. Psychologists assist people experiencing difficulties in their life such as anxiety and depression, relationship breakdowns, eating disorders and chronic illness, while clinical psychologists diagnose and treat mental, emotional and behavioural disorders.

Covers consultations and testing with an orthoptist to treat conditions like lazy eye and poor focus.

Covers speech therapy consultations to diagnose and treat communication and swallowing disorders.

Covers consultations with a dietitian or nutritionist who give dietary, healthy eating and nutrition advice to promote health and wellbeing.

Benefit back

Member Plus provider^ 75%
Non-Member Plus provider benefits vary

Annual limit

No limit

Waiting period

2 months

Benefit back

Benefits vary

Annual limit

$350

Waiting period

2 months

Benefit back

100%

Annual limit

$160

Waiting period

2 months

Benefit back

Initial consult $27
Subsequent consult $21

Annual limit

$250

Combined annual limits for Chiropractic, Physiotherapy and Osteopathy

Waiting period

2 months

Benefit back

Initial consult $22
Subsequent consult $17

Annual limit

$250

Combined annual limits for Chiropractic, Physiotherapy and Osteopathy

Waiting period

2 months

Benefit back

Initial consult $22
Subsequent consult $17

Annual limit

$250

Combined annual limits for Chiropractic, Physiotherapy and Osteopathy

Waiting period

2 months

Benefit back

100%

Annual limit

No limit

Waiting period

7 days

Benefit back

Benefits vary

Annual limit

$200

Waiting period

2 months

Benefit back

Member Plus provider^ 75%
Non-Member Plus provider 50%

Annual limit

No limit

Waiting period

2 months

Benefit back

50%

Annual limit

$800

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Benefit back

50%

Annual limit

$800

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

12 months

Benefit back

100%

Annual limit

$200

Waiting period

2 months

Benefit back

50%

Annual limit

$800

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Benefit back

50%

Annual limit

$800

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Benefit back

50%

Annual limit

$800

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Benefit back

100%

Annual limit

No limit

Waiting period

7 days

Benefit back

100%

Annual limit

$800

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Benefit back

50%

Annual limit

$800

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Benefit back

50%

Annual limit

$800

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Benefit back

50%

Annual limit

$800

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Benefit back

Up to 100% less member co-payment

Annual limit

$800

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Benefit back

Member Plus provider^ 75%
Non-Member Plus provider 60%

Annual limit

No limit

Waiting period

2 months

Benefit back

60%

Annual limit

$1,000

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Benefit back

60%

Annual limit

$1,000

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

12 months

Benefit back

100%

Annual limit

$220

Waiting period

2 months

Benefit back

60%

Annual limit

$1,000

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Benefit back

60%

Annual limit

$1,000

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Benefit back

60%

Annual limit

$1,000

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Benefit back

100%

Annual limit

No limit

Waiting period

7 days

Benefit back

100%

Annual limit

$1000

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Benefit back

60%

Annual limit

$1,000

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Benefit back

60%

Annual limit

$1,000

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Benefit back

60%

Annual limit

$1000

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Benefit back

Up to 100% less member co-payment

Annual limit

$1,000

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Benefit back

Member Plus provider^ 85%
Non-Member Plus provider 60%

Annual limit

No limit

Waiting period

2 months

Benefit back

60%

Annual limit

$800

Combined annual limit for General Restorative Dental and Major Dental and Implants

Waiting period

2 months

Benefit back

60%

Annual limit

$800

Combined annual limit for General Restorative Dental and Major Dental and Implants

Waiting period

12 months

Benefit back

100%

Annual limit

$600

Lifetime limit

$1,800

Waiting period

12 months

Benefit back

100%

Annual limit

$250

Waiting period

2 months

Benefit back

60%

Annual limit

$500

Combined annual limit for Chiropractic, Exercise Physiology, Osteopathy, Physiotherapy and Podiatry

Waiting period

2 months

Benefit back

60%

Annual limit

$500

Combined annual limit for Chiropractic, Exercise Physiology, Osteopathy, Physiotherapy and Podiatry

Waiting period

2 months

Benefit back

60%

Annual limit

$500

Combined annual limit for Chiropractic, Exercise Physiology, Osteopathy, Physiotherapy and Podiatry

Waiting period

2 months

Benefit back

100%

Annual limit

No limit

Waiting period

7 days

Benefit back

100%

Annual limit

$350

Combined annual limit for Appliances, Prostheses and Aids, Healthy Living Programs, Natural Therapies and Remedial Massage

Waiting period

2 months

Benefit back

60%

Annual limit

$350

Combined annual limit for Appliances, Prostheses and Aids, Healthy Living Programs, Natural Therapies and Remedial Massage

Waiting period

2 months

Benefit back

60%

Annual limit

$350

Combined annual limit for Appliances, Prostheses and Aids, Healthy Living Programs, Natural Therapies and Remedial Massage

Waiting period

2 months

Benefit back

60%

Annual limit

$500

Combined annual limit for Chiropractic, Exercise Physiology, Osteopathy, Physiotherapy and Podiatry

Waiting period

2 months

Benefit back

Up to 100% less member co-payment

Annual limit

$300

Waiting period

2 months

Benefit back

60%

Annual limit

$500

Combined annual limit for Chiropractic, Exercise Physiology, Osteopathy, Physiotherapy and Podiatry

Waiting period

2 -12 months depending on service

Benefit back

100%

Annual limit

$600

Annual limit can only be claimed once every 3 years

Waiting period

12 months

Benefit back

60% - 100% depending on item

Annual limit

$350

Combined annual limit for Appliances, Prostheses and Aids, Healthy Living Programs, Natural Therapies and Remedial Massage

Waiting period

2 -12 months depending on item

Benefit back

60%

Annual limit

$500

Combined annual limit for Dietetics and Nutrition, Occupational Therapy, Eye Therapy, Psychology and Speech Therapy

Waiting period

2 months

Benefit back

60%

Annual limit

$500

Combined annual limit for Dietetics and Nutrition, Occupational Therapy, Eye Therapy, Psychology and Speech Therapy

Waiting period

2 months

Benefit back

60%

Annual limit

$500

Combined annual limit for Dietetics and Nutrition, Occupational Therapy, Eye Therapy, Psychology and Speech Therapy

Waiting period

2 months

Benefit back

60%

Annual limit

$500

Combined annual limit for Dietetics and Nutrition, Occupational Therapy, Eye Therapy, Psychology and Speech Therapy

Waiting period

2 months

Benefit back

60%

Annual limit

$500

Combined annual limit for Dietetics and Nutrition, Occupational Therapy, Eye Therapy, Psychology and Speech Therapy

Waiting period

2 months

Benefit back

Member Plus provider^ 100%
Non-Member Plus provider 70%

Annual limit

No limit

Waiting period

2 months

Benefit back

70%

Annual limit

No limit

Waiting period

2 months

Benefit back

70%

Annual limit

$1,000

Waiting period

12 months

Benefit back

100%

Annual limit

$800

Lifetime limit

$2,400

Waiting period

12 months

Benefit back

100%

Annual limit

$275

Waiting period

2 months

Benefit back

70%

Annual limit

$600

Combined annual limit for Exercise Physiology and Physiotherapy

Waiting period

2 months

Benefit back

70%

Annual limit

$400

Combined annual limit for Chiropractic and Osteopathy

Waiting period

2 months

Benefit back

70%

Annual limit

$400

Combined annual limit for Chiropractic and Osteopathy

Waiting period

2 months

Benefit back

100%

Annual limit

No limit

Waiting period

7 days

Benefit back

100%

Annual limit

$350

Waiting period

2 months

Benefit back

70%

Annual limit

$300

Combined annual limit for Natural Therapies and Remedial Massage

Waiting period

2 months

Benefit back

70%

Annual limit

$300

Combined annual limit for Natural Therapies and Remedial Massage

Waiting period

2 months

Benefit back

70%

Annual limit

$600

Combined annual limit for Exercise Physiology and Physiotherapy

Waiting period

2 months

Benefit back

Up to 100% less member co-payment

Annual limit

$400

Waiting period

2 months

Benefit back

70%

Annual limit

$400

Waiting period

2 -12 months depending on service

Benefit back

100%

Annual limit

$700

Annual limit can only be claimed once every 3 years

Waiting period

12 months

Benefit back

70% - 100% depending on item

Annual limit

$500

Waiting period

2 -12 months depending on item

Benefit back

70%

Annual limit

$400

Waiting period

2 months

Benefit back

70%

Annual limit

$500

Waiting period

2 months

Benefit back

70%

Annual limit

$400

Waiting period

2 months

Benefit back

70%

Annual limit

$400

Waiting period

2 months

Benefit back

70%

Annual limit

$400

Waiting period

2 months
RECOMMENDED

Low-cost extras cover for General Dental, Optical and 5 other common services.

View product sheet
EXTRAS HEALTH SERVICES

Covers preventative dental treatments like examinations, scale & cleans, and custom mouthguards.

Benefit back

Member Plus provider^ 75%
Non-Member Plus provider benefits vary

Annual limit

No limit

Waiting period

2 months

Covers restorative treatments like simple fillings and extractions to fix common dental issues.

Benefit back

Benefits vary

Annual limit

$350

Waiting period

2 months

Covers complex treatments that involve repairing or replacing teeth like crowns, root canals, dentures, bridges and dental implants.

Covers treatments that straighten teeth and correct problems with biting, chewing, and jaw alignment like braces and retainers.

Covers prescription glasses and contact lenses to correct vision impairments.

Benefit back

100%

Annual limit

$160

Waiting period

2 months

Covers physiotherapy consultations to treat physical issues caused by injury, illness and ageing.

Benefit back

Initial consult $27
Subsequent consult $21

Annual limit

$250

Combined annual limits for Chiropractic, Physiotherapy and Osteopathy

Waiting period

2 months

Covers chiropractic consultations to treat health problems related to the skeletal and muscular system.

Benefit back

Initial consult $22
Subsequent consult $17

Annual limit

$250

Combined annual limits for Chiropractic, Physiotherapy and Osteopathy

Waiting period

2 months

Covers osteopathic consultations to treat muscle and joint issues through massage and manipulation to improve mobility and reduce pain.

Benefit back

Initial consult $22
Subsequent consult $17

Annual limit

$250

Combined annual limits for Chiropractic, Physiotherapy and Osteopathy

Waiting period

2 months

Covers unlimited urgent ambulance treatment or transport by road only (excludes air transport). Ambulance services are not free or not covered by Medicare or the Government in most Australian states (Queensland and Tasmania exempt).

Benefit back

100%

Annual limit

No limit

Waiting period

7 days

Covers a range of health services like weight management programs, quit smoking programs, and flu vaccinations, all designed to prevent illness and improve overall health and wellbeing.

Benefit back

Benefits vary

Annual limit

$200

Waiting period

2 months

Covers remedial massage consultations to treat injury or illness through the manipulation of soft tissue.

Covers consultations for acupuncture, hypnotherapy, myotherapy, remedial massage and traditional Chinese medicine to holistically manage and treat illness and injury.

Covers consultations with an exercise physiologist to prevent, treat and manage chronic illness and injury through exercise.

Covers pharmaceutical items not listed on the General Schedule of the Government Pharmaceutical Benefits Scheme (PBS), allowing access to a broader range of medications.

Covers podiatry consultations, orthotics and procedures to treat conditions affecting ankles and feet.

Covers the cost of hearing aids for people with hearing impairments

Covers medically necessary appliances and prostheses like post-surgical bras, blood glucose monitors, and joint braces, that help manage, monitor or treat a health condition.

Covers occupational therapy consultations, which help people with physical, mental, or developmental conditions engage in everyday activities.

Covers consultations with a psychologist or clinical psychologist. Psychologists assist people experiencing difficulties in their life such as anxiety and depression, relationship breakdowns, eating disorders and chronic illness, while clinical psychologists diagnose and treat mental, emotional and behavioural disorders.

Covers consultations and testing with an orthoptist to treat conditions like lazy eye and poor focus.

Covers speech therapy consultations to diagnose and treat communication and swallowing disorders.

Covers consultations with a dietitian or nutritionist who give dietary, healthy eating and nutrition advice to promote health and wellbeing.

RECOMMENDED
Look after your health, your way with 50% or more back on 12 popular services.
View product sheet
EXTRAS HEALTH SERVICES

Covers preventative dental treatments like examinations, scale & cleans, and custom mouthguards.

Benefit back

Member Plus provider^ 75%
Non-Member Plus provider 50%

Annual limit

No limit

Waiting period

2 months

Covers restorative treatments like simple fillings and extractions to fix common dental issues.

Benefit back

50%

Annual limit

$800

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Covers complex treatments that involve repairing or replacing teeth like crowns, root canals, dentures, bridges and dental implants.

Benefit back

50%

Annual limit

$800

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

12 months

Covers treatments that straighten teeth and correct problems with biting, chewing, and jaw alignment like braces and retainers.

Covers prescription glasses and contact lenses to correct vision impairments.

Benefit back

100%

Annual limit

$200

Waiting period

2 months

Covers physiotherapy consultations to treat physical issues caused by injury, illness and ageing.

Benefit back

50%

Annual limit

$800

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Covers chiropractic consultations to treat health problems related to the skeletal and muscular system.

Benefit back

50%

Annual limit

$800

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Covers osteopathic consultations to treat muscle and joint issues through massage and manipulation to improve mobility and reduce pain.

Benefit back

50%

Annual limit

$800

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Covers unlimited urgent ambulance treatment or transport by road only (excludes air transport). Ambulance services are not free or not covered by Medicare or the Government in most Australian states (Queensland and Tasmania exempt).

Benefit back

100%

Annual limit

No limit

Waiting period

7 days

Covers a range of health services like weight management programs, quit smoking programs, and flu vaccinations, all designed to prevent illness and improve overall health and wellbeing.

Benefit back

100%

Annual limit

$800

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Covers remedial massage consultations to treat injury or illness through the manipulation of soft tissue.

Benefit back

50%

Annual limit

$800

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Covers consultations for acupuncture, hypnotherapy, myotherapy, remedial massage and traditional Chinese medicine to holistically manage and treat illness and injury.

Benefit back

50%

Annual limit

$800

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Covers consultations with an exercise physiologist to prevent, treat and manage chronic illness and injury through exercise.

Benefit back

50%

Annual limit

$800

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Covers pharmaceutical items not listed on the General Schedule of the Government Pharmaceutical Benefits Scheme (PBS), allowing access to a broader range of medications.

Benefit back

Up to 100% less member co-payment

Annual limit

$800

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Covers podiatry consultations, orthotics and procedures to treat conditions affecting ankles and feet.

Covers the cost of hearing aids for people with hearing impairments

Covers medically necessary appliances and prostheses like post-surgical bras, blood glucose monitors, and joint braces, that help manage, monitor or treat a health condition.

Covers occupational therapy consultations, which help people with physical, mental, or developmental conditions engage in everyday activities.

Covers consultations with a psychologist or clinical psychologist. Psychologists assist people experiencing difficulties in their life such as anxiety and depression, relationship breakdowns, eating disorders and chronic illness, while clinical psychologists diagnose and treat mental, emotional and behavioural disorders.

Covers consultations and testing with an orthoptist to treat conditions like lazy eye and poor focus.

Covers speech therapy consultations to diagnose and treat communication and swallowing disorders.

Covers consultations with a dietitian or nutritionist who give dietary, healthy eating and nutrition advice to promote health and wellbeing.

RECOMMENDED
Look after your health, your way with 60% or more back on 12 popular services.
View product sheet
EXTRAS HEALTH SERVICES

Covers preventative dental treatments like examinations, scale & cleans, and custom mouthguards.

Benefit back

Member Plus provider^ 75%
Non-Member Plus provider 60%

Annual limit

No limit

Waiting period

2 months

Covers restorative treatments like simple fillings and extractions to fix common dental issues.

Benefit back

60%

Annual limit

$1,000

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Covers complex treatments that involve repairing or replacing teeth like crowns, root canals, dentures, bridges and dental implants.

Benefit back

60%

Annual limit

$1,000

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

12 months

Covers treatments that straighten teeth and correct problems with biting, chewing, and jaw alignment like braces and retainers.

Covers prescription glasses and contact lenses to correct vision impairments.

Benefit back

100%

Annual limit

$220

Waiting period

2 months

Covers physiotherapy consultations to treat physical issues caused by injury, illness and ageing.

Benefit back

60%

Annual limit

$1,000

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Covers chiropractic consultations to treat health problems related to the skeletal and muscular system.

Benefit back

60%

Annual limit

$1,000

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Covers osteopathic consultations to treat muscle and joint issues through massage and manipulation to improve mobility and reduce pain.

Benefit back

60%

Annual limit

$1,000

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Covers unlimited urgent ambulance treatment or transport by road only (excludes air transport). Ambulance services are not free or not covered by Medicare or the Government in most Australian states (Queensland and Tasmania exempt).

Benefit back

100%

Annual limit

No limit

Waiting period

7 days

Covers a range of health services like weight management programs, quit smoking programs, and flu vaccinations, all designed to prevent illness and improve overall health and wellbeing.

Benefit back

100%

Annual limit

$1000

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Covers remedial massage consultations to treat injury or illness through the manipulation of soft tissue.

Benefit back

60%

Annual limit

$1,000

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Covers consultations for acupuncture, hypnotherapy, myotherapy, remedial massage and traditional Chinese medicine to holistically manage and treat illness and injury.

Benefit back

60%

Annual limit

$1,000

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Covers consultations with an exercise physiologist to prevent, treat and manage chronic illness and injury through exercise.

Benefit back

60%

Annual limit

$1000

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Covers pharmaceutical items not listed on the General Schedule of the Government Pharmaceutical Benefits Scheme (PBS), allowing access to a broader range of medications.

Benefit back

Up to 100% less member co-payment

Annual limit

$1,000

Combined annual limit for Chiropractic, General Restorative Dental, Exercise Physiology, Healthy Living Programs, Major Dental and Implants, Natural Therapies, Osteopathy, Pharmaceuticals (non-PBS), Physiotherapy and Remedial Massage

Waiting period

2 months

Covers podiatry consultations, orthotics and procedures to treat conditions affecting ankles and feet.

Covers the cost of hearing aids for people with hearing impairments

Covers medically necessary appliances and prostheses like post-surgical bras, blood glucose monitors, and joint braces, that help manage, monitor or treat a health condition.

Covers occupational therapy consultations, which help people with physical, mental, or developmental conditions engage in everyday activities.

Covers consultations with a psychologist or clinical psychologist. Psychologists assist people experiencing difficulties in their life such as anxiety and depression, relationship breakdowns, eating disorders and chronic illness, while clinical psychologists diagnose and treat mental, emotional and behavioural disorders.

Covers consultations and testing with an orthoptist to treat conditions like lazy eye and poor focus.

Covers speech therapy consultations to diagnose and treat communication and swallowing disorders.

Covers consultations with a dietitian or nutritionist who give dietary, healthy eating and nutrition advice to promote health and wellbeing.

RECOMMENDED

Affordable cover for a wide range of extras services with 60% or more back.

View product sheet
EXTRAS HEALTH SERVICES

Covers preventative dental treatments like examinations, scale & cleans, and custom mouthguards.

Benefit back

Member Plus provider^ 85%
Non-Member Plus provider 60%

Annual limit

No limit

Waiting period

2 months

Covers restorative treatments like simple fillings and extractions to fix common dental issues.

Benefit back

60%

Annual limit

$800

Combined annual limit for General Restorative Dental and Major Dental and Implants

Waiting period

2 months

Covers complex treatments that involve repairing or replacing teeth like crowns, root canals, dentures, bridges and dental implants.

Benefit back

60%

Annual limit

$800

Combined annual limit for General Restorative Dental and Major Dental and Implants

Waiting period

12 months

Covers treatments that straighten teeth and correct problems with biting, chewing, and jaw alignment like braces and retainers.

Benefit back

100%

Annual limit

$600

Lifetime limit

$1,800

Waiting period

12 months

Covers prescription glasses and contact lenses to correct vision impairments.

Benefit back

100%

Annual limit

$250

Waiting period

2 months

Covers physiotherapy consultations to treat physical issues caused by injury, illness and ageing.

Benefit back

60%

Annual limit

$500

Combined annual limit for Chiropractic, Exercise Physiology, Osteopathy, Physiotherapy and Podiatry

Waiting period

2 months

Covers chiropractic consultations to treat health problems related to the skeletal and muscular system.

Benefit back

60%

Annual limit

$500

Combined annual limit for Chiropractic, Exercise Physiology, Osteopathy, Physiotherapy and Podiatry

Waiting period

2 months

Covers osteopathic consultations to treat muscle and joint issues through massage and manipulation to improve mobility and reduce pain.

Benefit back

60%

Annual limit

$500

Combined annual limit for Chiropractic, Exercise Physiology, Osteopathy, Physiotherapy and Podiatry

Waiting period

2 months

Covers unlimited urgent ambulance treatment or transport by road only (excludes air transport). Ambulance services are not free or not covered by Medicare or the Government in most Australian states (Queensland and Tasmania exempt).

Benefit back

100%

Annual limit

No limit

Waiting period

7 days

Covers a range of health services like weight management programs, quit smoking programs, and flu vaccinations, all designed to prevent illness and improve overall health and wellbeing.

Benefit back

100%

Annual limit

$350

Combined annual limit for Appliances, Prostheses and Aids, Healthy Living Programs, Natural Therapies and Remedial Massage

Waiting period

2 months

Covers remedial massage consultations to treat injury or illness through the manipulation of soft tissue.

Benefit back

60%

Annual limit

$350

Combined annual limit for Appliances, Prostheses and Aids, Healthy Living Programs, Natural Therapies and Remedial Massage

Waiting period

2 months

Covers consultations for acupuncture, hypnotherapy, myotherapy, remedial massage and traditional Chinese medicine to holistically manage and treat illness and injury.

Benefit back

60%

Annual limit

$350

Combined annual limit for Appliances, Prostheses and Aids, Healthy Living Programs, Natural Therapies and Remedial Massage

Waiting period

2 months

Covers consultations with an exercise physiologist to prevent, treat and manage chronic illness and injury through exercise.

Benefit back

60%

Annual limit

$500

Combined annual limit for Chiropractic, Exercise Physiology, Osteopathy, Physiotherapy and Podiatry

Waiting period

2 months

Covers pharmaceutical items not listed on the General Schedule of the Government Pharmaceutical Benefits Scheme (PBS), allowing access to a broader range of medications.

Benefit back

Up to 100% less member co-payment

Annual limit

$300

Waiting period

2 months

Covers podiatry consultations, orthotics and procedures to treat conditions affecting ankles and feet.

Benefit back

60%

Annual limit

$500

Combined annual limit for Chiropractic, Exercise Physiology, Osteopathy, Physiotherapy and Podiatry

Waiting period

2 -12 months depending on service

Covers the cost of hearing aids for people with hearing impairments

Benefit back

100%

Annual limit

$600

Annual limit can only be claimed once every 3 years

Waiting period

12 months

Covers medically necessary appliances and prostheses like post-surgical bras, blood glucose monitors, and joint braces, that help manage, monitor or treat a health condition.

Benefit back

60% - 100% depending on item

Annual limit

$350

Combined annual limit for Appliances, Prostheses and Aids, Healthy Living Programs, Natural Therapies and Remedial Massage

Waiting period

2 -12 months depending on item

Covers occupational therapy consultations, which help people with physical, mental, or developmental conditions engage in everyday activities.

Benefit back

60%

Annual limit

$500

Combined annual limit for Dietetics and Nutrition, Occupational Therapy, Eye Therapy, Psychology and Speech Therapy

Waiting period

2 months

Covers consultations with a psychologist or clinical psychologist. Psychologists assist people experiencing difficulties in their life such as anxiety and depression, relationship breakdowns, eating disorders and chronic illness, while clinical psychologists diagnose and treat mental, emotional and behavioural disorders.

Benefit back

60%

Annual limit

$500

Combined annual limit for Dietetics and Nutrition, Occupational Therapy, Eye Therapy, Psychology and Speech Therapy

Waiting period

2 months

Covers consultations and testing with an orthoptist to treat conditions like lazy eye and poor focus.

Benefit back

60%

Annual limit

$500

Combined annual limit for Dietetics and Nutrition, Occupational Therapy, Eye Therapy, Psychology and Speech Therapy

Waiting period

2 months

Covers speech therapy consultations to diagnose and treat communication and swallowing disorders.

Benefit back

60%

Annual limit

$500

Combined annual limit for Dietetics and Nutrition, Occupational Therapy, Eye Therapy, Psychology and Speech Therapy

Waiting period

2 months

Covers consultations with a dietitian or nutritionist who give dietary, healthy eating and nutrition advice to promote health and wellbeing.

Benefit back

60%

Annual limit

$500

Combined annual limit for Dietetics and Nutrition, Occupational Therapy, Eye Therapy, Psychology and Speech Therapy

Waiting period

2 months
RECOMMENDED
Top cover for a wide range of extras services for peace of mind.
View product sheet
EXTRAS HEALTH SERVICES

Covers preventative dental treatments like examinations, scale & cleans, and custom mouthguards.

Benefit back

Member Plus provider^ 100%
Non-Member Plus provider 70%

Annual limit

No limit

Waiting period

2 months

Covers restorative treatments like simple fillings and extractions to fix common dental issues.

Benefit back

70%

Annual limit

No limit

Waiting period

2 months

Covers complex treatments that involve repairing or replacing teeth like crowns, root canals, dentures, bridges and dental implants.

Benefit back

70%

Annual limit

$1,000

Waiting period

12 months

Covers treatments that straighten teeth and correct problems with biting, chewing, and jaw alignment like braces and retainers.

Benefit back

100%

Annual limit

$800

Lifetime limit

$2,400

Waiting period

12 months

Covers prescription glasses and contact lenses to correct vision impairments.

Benefit back

100%

Annual limit

$275

Waiting period

2 months

Covers physiotherapy consultations to treat physical issues caused by injury, illness and ageing.

Benefit back

70%

Annual limit

$600

Combined annual limit for Exercise Physiology and Physiotherapy

Waiting period

2 months

Covers chiropractic consultations to treat health problems related to the skeletal and muscular system.

Benefit back

70%

Annual limit

$400

Combined annual limit for Chiropractic and Osteopathy

Waiting period

2 months

Covers osteopathic consultations to treat muscle and joint issues through massage and manipulation to improve mobility and reduce pain.

Benefit back

70%

Annual limit

$400

Combined annual limit for Chiropractic and Osteopathy

Waiting period

2 months

Covers unlimited urgent ambulance treatment or transport by road only (excludes air transport). Ambulance services are not free or not covered by Medicare or the Government in most Australian states (Queensland and Tasmania exempt).

Benefit back

100%

Annual limit

No limit

Waiting period

7 days

Covers a range of health services like weight management programs, quit smoking programs, and flu vaccinations, all designed to prevent illness and improve overall health and wellbeing.

Benefit back

100%

Annual limit

$350

Waiting period

2 months

Covers remedial massage consultations to treat injury or illness through the manipulation of soft tissue.

Benefit back

70%

Annual limit

$300

Combined annual limit for Natural Therapies and Remedial Massage

Waiting period

2 months

Covers consultations for acupuncture, hypnotherapy, myotherapy, remedial massage and traditional Chinese medicine to holistically manage and treat illness and injury.

Benefit back

70%

Annual limit

$300

Combined annual limit for Natural Therapies and Remedial Massage

Waiting period

2 months

Covers consultations with an exercise physiologist to prevent, treat and manage chronic illness and injury through exercise.

Benefit back

70%

Annual limit

$600

Combined annual limit for Exercise Physiology and Physiotherapy

Waiting period

2 months

Covers pharmaceutical items not listed on the General Schedule of the Government Pharmaceutical Benefits Scheme (PBS), allowing access to a broader range of medications.

Benefit back

Up to 100% less member co-payment

Annual limit

$400

Waiting period

2 months

Covers podiatry consultations, orthotics and procedures to treat conditions affecting ankles and feet.

Benefit back

70%

Annual limit

$400

Waiting period

2 -12 months depending on service

Covers the cost of hearing aids for people with hearing impairments

Benefit back

100%

Annual limit

$700

Annual limit can only be claimed once every 3 years

Waiting period

12 months

Covers medically necessary appliances and prostheses like post-surgical bras, blood glucose monitors, and joint braces, that help manage, monitor or treat a health condition.

Benefit back

70% - 100% depending on item

Annual limit

$500

Waiting period

2 -12 months depending on item

Covers occupational therapy consultations, which help people with physical, mental, or developmental conditions engage in everyday activities.

Benefit back

70%

Annual limit

$400

Waiting period

2 months

Covers consultations with a psychologist or clinical psychologist. Psychologists assist people experiencing difficulties in their life such as anxiety and depression, relationship breakdowns, eating disorders and chronic illness, while clinical psychologists diagnose and treat mental, emotional and behavioural disorders.

Benefit back

70%

Annual limit

$500

Waiting period

2 months

Covers consultations and testing with an orthoptist to treat conditions like lazy eye and poor focus.

Benefit back

70%

Annual limit

$400

Waiting period

2 months

Covers speech therapy consultations to diagnose and treat communication and swallowing disorders.

Benefit back

70%

Annual limit

$400

Waiting period

2 months

Covers consultations with a dietitian or nutritionist who give dietary, healthy eating and nutrition advice to promote health and wellbeing.

Benefit back

70%

Annual limit

$400

Waiting period

2 months

SERVICES EXPLAINED

  • Included benefit

  • Excluded benefit

RECOMMENDED

Basic Extras

RECOMMENDED

Flex 50

RECOMMENDED

Flex 60

RECOMMENDED

Complete 60

RECOMMENDED

Top 70

Just looking for Hospital cover?

Choose from 5 Hospital products, which cover you for inpatient surgery and other medical treatments in a hospital.

Extras Insurance FAQs

Extras insurance, also known as general treatment cover or ancillary cover, helps cover the cost of everyday healthcare services.

These can be minor services like dental check-ups, new glasses, and physio appointments, to more major services like wisdom teeth removal and dental implants.

Medicare generally doesn’t cover extras services, so extras insurance can be a way to help cover those costs.

The specific extras services you’re covered for depends on your health fund, level of cover and the specific policy you choose. Here are some examples of common services extras insurance can cover:

  • Dental treatment
  • Physiotherapy
  • Optical - Glasses and contact lenses
  • Chiropractic treatment
  • Podiatry

There are some situations where your health fund cannot pay a benefit (because they legally can’t), but Medicare will.

For example, a visit to a doctor outside of hospital, like a General Practitioner (GP), will never be covered by health insurance, no matter what fund you’re with – that’s covered by Medicare.

Consultation fees for a doctor or a specialist appointment outside of hospital, tests and examinations like x-rays or blood tests and eye tests by an optometrist are common situations where your health fund won't pay a benefit but Medicare will.

A benefit is the amount you can claim back for a service/the amount HBF will pay towards a service.

A lifetime limit is the total amount you can claim for a service over the course of your lifetime. That means, once you’ve claimed up to your lifetime limit, either at HBF or through claims at another health insurer, you won’t be able to claim again. Each person on your policy has their own lifetime limits. A lifetime limit applies to orthodontics on some HBF Extras covers.

An annual limit is the maximum amount of money you can claim for a service within a calendar year. Each person on your policy has their own annual limits.

The amount you can claim back on extras services depends on your benefits (the amount you get back when you claim) and your annual limits (the maximum amount you can claim in a year).

Nearly all extras insurance policies only cover services to a limited extent, which means you’ll usually pay for some of the service out of your own pocket.

But extras insurance is still worth it because Medicare generally doesn’t cover extras services, so without it you’d have to cover the full cost of treatment.

When you buy extras insurance for the first time, if you haven’t had continuous cover, or if you’ve just upgraded to a higher level of cover, there will generally be a waiting period you need to serve before you can claim.

Waiting periods for extras vary between health funds, but with HBF most services have a 2-month waiting period, while more high-cost services (like Major Dental) have a waiting period of 12 months or more.

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