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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.

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RECOMMENDED

Flex 50

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

Flex 60

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

Complete 60

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

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RECOMMENDED

Top 70

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