Working with The Doctors' Health Fund to offer bursaries to medical students.

Total Extras - top cover with better benefits

Effective 1 April 2008

Waiting periods 
  • 12 months for major dental services, aids and appliances
  • 24 months for hearing aids
  • 2 months for all other services
Limits 
  • Limits per person per calendar year, except where otherwise indicated

 

ITEM

LIMITS

BENEFITS PAID

General dental services

No annual limits

100% paid for ten general check up items up to two times per year. 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 $250 per year of membership with a lifetime limit of $2500

Optical category limit

$500 limit over 2 years

 

- Frames

 

$220 

- Single vision lenses

 

$200 

- Bi-focal lenses

 

$250 

- Multi-focal lenses

 

$320

- Contact lenses

 

$500 

- Repairs

 

$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 3 calendar years

$400

Two hearing aids

$800

Hearing aid repairs

 

$50

Audiology test

One visit per year

$40

Physiotherapy

$600

$30 per visit

Psychology

$600

$100 per visit

Occupational therapy, Speech therapy, Orthoptics, Podiatry, Dietetics, pre-natal Midwifery services

$1,000

$30 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 over 2 years

50% of the cost of the item