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Total Extras

Premium Cover with better benefits

 Cover Highlights

  • Comprehensive extras cover with high limits
  • For those who need general and major dental cover
  • 100% cover on ten dental check up items up to 2 times per year
  • Great optical cover at $500 in any two year period
  • Strong non-PBS pharmaceutical cover

 A wide range of therapies are covered with high benefits

Waiting periods

  • 12 months for major dental services, aids and appliances
  • 24 months for hearing aids
  • 2 months for all other services

Limits per person per calendar year, except where otherwise indicated

Limits

Items

Limits

Benefits Paid
General dental services No annual limits 100% paid for ten general check up items up to two times per year, so long as the charges are within the range of usual, customary and reasonable charges. Fixed benefits paid for all other items

Major dental services

    
Inlays, onlays, facings $700 Fixed benefits paid per item
Endodontic/periodontic $800
Crowns & bridges $1,000
Dentures and prosthodontics $800
Orthodontics Up to $500 per year of membership with a lifetime limit of $2500

Optical category limit

 $500 limit over any 2 consecutive calendar years. Claims made in the current and prior year connot exceed $500.  

Frames

Single vision lenses

Bi-focal lenses

Multi-focal lenses

Contact lenses

Repairs

  

$220

$200

$250

$320

$500

$50
Non-PBS pharmaceuticals, mammograms, ThinPrep tests, bone density tests $600
Tests, one each per year		 After the current PBS cost, benefits paid are 85% of the remaining cost of a non-PBS script. $60 per test.
One hearing aid One set of hearing aids every 5 calendar years $800
Two hearing aids $1600
Hearing aid repairs   $50
Audiology test One visit per year $60
Physiotherapy and remedial massage with specifically qualified practitioners $600 $35 per visit
Psychology $600 $100 per visit
Occupational therapy, Speech therapy, Orthoptics, Podiatry, Dietetics, Midwifery services $1,000 $35 per visit with calendar year sublimits per therapy type of $600
Home nursing $600 $30 per visit of up to 6 hrs $60 per visit exceeding 6 hrs
Aids & appliances $1,000

75% of the cost of the item where use was ordered by a registered practitioner

For Fund approved consumable items, benefit paid twice per calendar year. For Fund approved non-consumable items benefits paid 2 years after the first supply.

Effective 1 April 2011

Limits per person per calendar year, except where otherwise indicated

Remedial massage cover

For benefits to be paid, the remedial massage service provider must be either a registered physiotherapist, or have accreditation in remedial massage therapy. They must belong to an organisation that adheres to the Department of Health's governed systems for registration and recognition of remedial therapists.

The Doctors' Health Fund now recognises more remedial massage therapists, as we have added to our list of complying organisations, which include, but are not limited to :

ATMS (Australian Traditional Medicine Society)

AMT (Association of Massage Therapists)

AAMT (Australian Association of Massage Therapists)

ANTA ( Australian Naturopathic Practitioners' Association)

IRMA (Institute of Registered Myotherapists of Australia

ARM (Association of Remedial Masseurs) 

Looking for Hospital Cover as well?

You can add Hospital cover to your Extras Cover

View Hospital Options