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New members who join by 23 April 2024 and keep eligible hospital and extras cover receive 8 weeks FREE cover. Terms & conditions apply.

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Extras cover options

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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 14 popular services.
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RECOMMENDED

Flex 60

Look after your health, your way with 60% or more back on 14 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 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 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 with a dietitian or nutritionist who give dietary, healthy eating and nutrition advice to promote health and wellbeing.

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 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.

Included

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

Included

Benefit back

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

Annual limit (per person)

No limit

Waiting period

2 months
Included

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

Included

Benefit back

Benefits vary

Annual limit (per person)

$350

Waiting period

2 months
Excluded

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

Excluded
Excluded

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

Excluded
Included

Covers prescription glasses and contact lenses to correct vision impairments.

Included

Benefit back

100%

Annual limit (per person)

$160

Waiting period

2 months
Included

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

Included

Benefit back

Initial consult $27
Subsequent consult $21

Annual limit (per person)

$250

Combined annual limits for Chiropractic, Physiotherapy and Osteopathy

Waiting period

2 months
Included

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

Included

Benefit back

Initial consult $22
Subsequent consult $17

Annual limit (per person)

$250

Combined annual limits for Chiropractic, Physiotherapy and Osteopathy

Waiting period

2 months
Included

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

Included

Benefit back

Initial consult $22
Subsequent consult $17

Annual limit (per person)

$250

Combined annual limits for Chiropractic, Physiotherapy and Osteopathy

Waiting period

2 months
Included

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).

Included

Benefit back

100%

Annual limit (per person)

No limit

Waiting period

7 days
Included

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

Included

Benefit back

Benefits vary

Annual limit (per person)

$200

Waiting period

2 months
Excluded

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

Excluded
Excluded

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

Excluded
Excluded

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

Excluded
Excluded

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

Excluded
Excluded

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.

Excluded
Excluded

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

Excluded
Excluded

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

Excluded
Excluded

Covers the cost of hearing aids for people with hearing impairments

Excluded
Excluded

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.

Excluded
Excluded

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

Excluded
Excluded

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

Excluded
Excluded

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

Excluded
Included

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

Included

Benefit back

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

Annual limit (per person)

$800

Combined annual limit for Preventative Dental, Psychology, Dietetics/Nutrition, 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
Included

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

Included

Benefit back

50%

Annual limit (per person)

$800

Combined annual limit for Preventative Dental, Psychology, Dietetics/Nutrition, 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
Included

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

Included

Benefit back

50%

Annual limit (per person)

$800

Combined annual limit for Preventative Dental, Psychology, Dietetics/Nutrition, 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
Excluded

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

Excluded
Included

Covers prescription glasses and contact lenses to correct vision impairments.

Included

Benefit back

100%

Annual limit (per person)

$200

Waiting period

2 months
Included

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

Included

Benefit back

50%

Annual limit (per person)

$800

Combined annual limit for Preventative Dental, Psychology, Dietetics/Nutrition, 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
Included

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

Included

Benefit back

50%

Annual limit (per person)

$800

Combined annual limit for Preventative Dental, Psychology, Dietetics/Nutrition, 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
Included

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

Included

Benefit back

50%

Annual limit (per person)

$800

Combined annual limit for Preventative Dental, Psychology, Dietetics/Nutrition, 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
Included

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).

Included

Benefit back

100%

Annual limit (per person)

No limit

Waiting period

7 days
Included

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

Included

Benefit back

100%

Annual limit (per person)

$800

Combined annual limit for Preventative Dental, Psychology, Dietetics/Nutrition, 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
Included

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

Included

Benefit back

50%

Annual limit (per person)

$800

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

Sub-limit (per person)
$200

Combined sub limit for Natural Therapies and Remedial Massage

Waiting period

2 months
Included

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

Included

Benefit back

50%

Annual limit (per person)

$800

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

Sub-limit (per person)
$200

Combined sub limit for Natural Therapies and Remedial Massage

Waiting period

2 months
Included

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

Included

Benefit back

50%

Annual limit (per person)

$800

Combined annual limit for Preventative Dental, Psychology, Dietetics/Nutrition, 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
Included

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

Included

Benefit back

Up to 100% less member co-payment

Annual limit (per person)

$800

Combined annual limit for Preventative Dental, Psychology, Dietetics/Nutrition, 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
Included

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.

Included

Benefit back

50%

Annual limit (per person)

$800

Combined annual limit for Preventative Dental, Psychology, Dietetics/Nutrition, 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
Included

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

Included

Benefit back

50%

Annual limit (per person)

$800

Combined annual limit for Preventative Dental, Psychology, Dietetics/Nutrition, 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
Excluded

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

Excluded
Excluded

Covers the cost of hearing aids for people with hearing impairments

Excluded
Excluded

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.

Excluded
Excluded

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

Excluded
Excluded

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

Excluded
Excluded

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

Excluded
Included

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

Included

Benefit back

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

Annual limit (per person)

$1000

Combined annual limit for Preventative Dental, Psychology, Dietetics/Nutrition, 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
Included

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

Included

Benefit back

60%

Annual limit (per person)

$1,000

Combined annual limit for Preventative Dental, Psychology, Dietetics/Nutrition, 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
Included

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

Included

Benefit back

60%

Annual limit (per person)

$1,000

Combined annual limit for Preventative Dental, Psychology, Dietetics/Nutrition, 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
Excluded

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

Excluded
Included

Covers prescription glasses and contact lenses to correct vision impairments.

Included

Benefit back

100%

Annual limit (per person)

$220

Waiting period

2 months
Included

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

Included

Benefit back

60%

Annual limit (per person)

$1,000

Combined annual limit for Preventative Dental, Psychology, Dietetics/Nutrition, 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
Included

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

Included

Benefit back

60%

Annual limit (per person)

$1,000

Combined annual limit for Preventative Dental, Psychology, Dietetics/Nutrition, 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
Included

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

Included

Benefit back

60%

Annual limit (per person)

$1,000

Combined annual limit for Preventative Dental, Psychology, Dietetics/Nutrition, 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
Included

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).

Included

Benefit back

100%

Annual limit (per person)

No limit

Waiting period

7 days
Included

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

Included

Benefit back

100%

Annual limit (per person)

$1000

Combined annual limit for Preventative Dental, Psychology, Dietetics/Nutrition, 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
Included

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

Included

Benefit back

60%

Annual limit (per person)

$1,000

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

Sub-limit (per person)
$250

Combined sub limit for Natural Therapies and Remedial Massage

Waiting period

2 months
Included

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

Included

Benefit back

60%

Annual limit (per person)

$1,000

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

Sub-limit (per person)
$250

Combined sub limit for Natural Therapies and Remedial Massage

Waiting period

2 months
Included

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

Included

Benefit back

60%

Annual limit (per person)

$1000

Combined annual limit for Preventative Dental, Psychology, Dietetics/Nutrition, 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
Included

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

Included

Benefit back

Up to 100% less member co-payment

Annual limit (per person)

$1,000

Combined annual limit for Preventative Dental, Psychology, Dietetics/Nutrition, 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
Included

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.

Included

Benefit back

60%

Annual limit (per person)

$1000

Combined annual limit for Preventative Dental, Psychology, Dietetics/Nutrition, 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
Included

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

Included

Benefit back

60%

Annual limit (per person)

$1000

Combined annual limit for Preventative Dental, Psychology, Dietetics/Nutrition, 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
Excluded

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

Excluded
Excluded

Covers the cost of hearing aids for people with hearing impairments

Excluded
Excluded

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.

Excluded
Excluded

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

Excluded
Excluded

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

Excluded
Excluded

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

Excluded
Included

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

Included

Benefit back

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

Annual limit (per person)

No limit

Waiting period

2 months
Included

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

Included

Benefit back

60%

Annual limit (per person)

$800

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

Waiting period

2 months
Included

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

Included

Benefit back

60%

Annual limit (per person)

$800

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

Waiting period

12 months
Included

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

Included

Benefit back

100%

Annual limit (per person)

$600

Lifetime limit

$1,800

Waiting period

12 months
Included

Covers prescription glasses and contact lenses to correct vision impairments.

Included

Benefit back

100%

Annual limit (per person)

$250

Waiting period

2 months
Included

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

Included

Benefit back

60%

Annual limit (per person)

$500

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

Waiting period

2 months
Included

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

Included

Benefit back

60%

Annual limit (per person)

$500

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

Waiting period

2 months
Included

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

Included

Benefit back

60%

Annual limit (per person)

$500

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

Waiting period

2 months
Included

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).

Included

Benefit back

100%

Annual limit (per person)

No limit

Waiting period

7 days
Included

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

Included

Benefit back

100%

Annual limit (per person)

$350

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

Waiting period

2 months
Included

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

Included

Benefit back

60%

Annual limit (per person)

$350

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

Waiting period

2 months
Included

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

Included

Benefit back

60%

Annual limit (per person)

$350

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

Waiting period

2 months
Included

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

Included

Benefit back

60%

Annual limit (per person)

$500

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

Waiting period

2 months
Included

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

Included

Benefit back

Up to 100% less member co-payment

Annual limit (per person)

$300

Waiting period

2 months
Included

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.

Included

Benefit back

60%

Annual limit (per person)

$500

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

Waiting period

2 months
Included

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

Included

Benefit back

60%

Annual limit (per person)

$500

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

Waiting period

2 months
Included

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

Included

Benefit back

60%

Annual limit (per person)

$500

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

Waiting period

2 -12 months depending on service
Included

Covers the cost of hearing aids for people with hearing impairments

Included

Benefit back

100%

Annual limit (per person)

$600

Annual limit can only be claimed once every 3 years

Waiting period

12 months
Included

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.

Included

Benefit back

60% - 100% depending on item

Annual limit (per person)

$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
Included

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

Included

Benefit back

60%

Annual limit (per person)

$500

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

Waiting period

2 months
Included

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

Included

Benefit back

60%

Annual limit (per person)

$500

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

Waiting period

2 months
Included

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

Included

Benefit back

60%

Annual limit (per person)

$500

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

Waiting period

2 months
Included

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

Included

Benefit back

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

Annual limit (per person)

No limit

Waiting period

2 months
Included

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

Included

Benefit back

70%

Annual limit (per person)

No limit

Waiting period

2 months
Included

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

Included

Benefit back

70%

Annual limit (per person)

$1,000

Waiting period

12 months
Included

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

Included

Benefit back

100%

Annual limit (per person)

$800

Lifetime limit

$2,400

Waiting period

12 months
Included

Covers prescription glasses and contact lenses to correct vision impairments.

Included

Benefit back

100%

Annual limit (per person)

$275

Waiting period

2 months
Included

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

Included

Benefit back

70%

Annual limit (per person)

$600

Combined annual limit for Exercise Physiology and Physiotherapy

Waiting period

2 months
Included

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

Included

Benefit back

70%

Annual limit (per person)

$400

Combined annual limit for Chiropractic and Osteopathy

Waiting period

2 months
Included

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

Included

Benefit back

70%

Annual limit (per person)

$400

Combined annual limit for Chiropractic and Osteopathy

Waiting period

2 months
Included

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).

Included

Benefit back

100%

Annual limit (per person)

No limit

Waiting period

7 days
Included

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

Included

Benefit back

100%

Annual limit (per person)

$350

Waiting period

2 months
Included

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

Included

Benefit back

70%

Annual limit (per person)

$300

Combined annual limit for Natural Therapies and Remedial Massage

Waiting period

2 months
Included

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

Included

Benefit back

70%

Annual limit (per person)

$300

Combined annual limit for Natural Therapies and Remedial Massage

Waiting period

2 months
Included

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

Included

Benefit back

70%

Annual limit (per person)

$600

Combined annual limit for Exercise Physiology and Physiotherapy

Waiting period

2 months
Included

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

Included

Benefit back

Up to 100% less member co-payment

Annual limit (per person)

$400

Waiting period

2 months
Included

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.

Included

Benefit back

70%

Annual limit (per person)

$500

Waiting period

2 months
Included

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

Included

Benefit back

70%

Annual limit (per person)

$400

Waiting period

2 months
Included

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

Included

Benefit back

70%

Annual limit (per person)

$400

Waiting period

2 -12 months depending on service
Included

Covers the cost of hearing aids for people with hearing impairments

Included

Benefit back

100%

Annual limit (per person)

$700

Annual limit can only be claimed once every 3 years

Waiting period

12 months
Included

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.

Included

Benefit back

70% - 100% depending on item

Annual limit (per person)

$500

Waiting period

2 -12 months depending on item
Included

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

Included

Benefit back

70%

Annual limit (per person)

$400

Waiting period

2 months
Included

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

Included

Benefit back

70%

Annual limit (per person)

$400

Waiting period

2 months
Included

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

Included

Benefit back

70%

Annual limit (per person)

$400

Waiting period

2 months

Extras cover options

RECOMMENDED

Basic Extras

RECOMMENDED

Flex 50

RECOMMENDED

Flex 60

RECOMMENDED

Complete 60

RECOMMENDED

Top 70

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Extras Insurance FAQs

What is extras insurance?

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.

What does extras insurance cover?

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

What does extras insurance not cover?

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.

What is a benefit?

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

What is a lifetime limit?

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.

What is an annual limit?

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.

How much will I get back?

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 can I start using my extras insurance?

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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