Basic Extras

For getting started in health insurance

Cover Highlights

  • Only available with Smart Starter hospital cover
  • 100% check up (limited to an examination, fluoride and a scale and clean) once a year
  • A wide range of therapies are covered
  • Designed for singles and couples getting started in health insurance

 Waiting periods

  • 12 months for aids and appliances
  • 2 months for all other services

Limits per person per calendar year

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Benefits Paid

General Dental
(excludes tooth whitening and oral surgery)

100% of the cost for the first check-up, 50% of the cost for subsequent check-ups and all other services, where the fees are within the range of usual, customary and reasonable charges.

Check-ups (limited to an examination, fluoride and a scale and clean)

Examination items 011 to 017

Scale & Clean items 111, 114 and 115

Fluoride treatment item 121

Optical Services $150 No sub-limits apply. Use the full $150 for frames, lenses or contact lenses. Your choice.        
Non-PBS pharmaceuticals


For Fund approved consumable items, benefit paid twice per calendar year.

For Fund approved non-consumables, benefit paid once every two years

After the current PBS cost, benefits paid are 85% of the remaining cost of non-PBS script.
Aids & Appliances 75% of the cost of the item where use of the item was ordered by a registered practitioner.
Physiotherapy, Mental health, Occupational therapy, Speech therapy, Orthoptics, Podiatry, Dietetics and remedial massage with specifically qualified practitioners


$80 per visit for Mental health

$35 per visit for Physiotherapy and Occupational therapy

$25 per visit for remedial massage and myotherapy

$15 per visit for Group Physiotherapy

$30 per visit for all other therapies

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)