Entry-level extras cover available to singles and couples, when combined with Smart Starter Bronze Plus hospital cover.
Extras cover for singles and couples with 100% cover for one general dental checkup~ per year (limited to an examination, fluoride and a scale and clean) and cover for other general dental, optical, physio and more. And with no preferred provider networks, you get to choose all your extras healthcare providers.
Please note that limits apply per person per year, except when otherwise stated. Limits reset on 1 January.
~ Checkups limited to an examination, fluoride, scale and clean where the fees are within the range of usual, customary and reasonable charges.
Important Information
Inclusions
Waiting period: 2 months
Diagnostic and preventative dental services includes checkups, fissure sealings, bitewing x-rays and simple fillings. Excludes extractions and tooth whitening. Also excludes all major dental and orthodontics.
Checkups limited to an examination (items 011 to 017), fluoride (item 121), and a scale and clean (items 111, 114 and 115).
Benefits paid100% of the cost for the first checkup~, 50% of the cost for subsequent checkups and most other dental services.
Total limit$800
Waiting period: 2 months
Your choice of contact lenses, frames fitted with prescription lenses or optical repairs.
Benefits paid100% of the cost
Total limit$300 every 2 years
Waiting period: 2 months
Prescription medication not covered by the Pharmaceutical Benefits Scheme (PBS) and immunisations, including those needed for travel.
Benefits paid85% of the cost covered above the PBS to a maximum of $20 per prescription (sub-limits apply).
Total limit$150 combined limit
Waiting period: 12 months
Devices such as blood glucose monitors and CPAP machines, where the use of the item is recommended by a registered health practitioner for a health condition and the item was supplied within Australia.
Each non-consumable item can only be claimed once every 2 years.
Benefits paid75% of the cost
Waiting period: 2 months
Joint and muscle movement therapy, education or advice for injury or disease management including individual physiotherapy, group physiotherapy and hydrotherapy but excluding class physiotherapy.
Benefits paidIndividual: $45 first visit in calendar year, $35 per subsequent visit.
Group: $15 per visit
Hydrotherapy: $15 per visit
Total limit$600 combined limit
Waiting period: 2 months
Treatment and management of muscle tension or chronic pain through deep tissue and muscle massage.
Benefits paid$35 first visit in calendar year, $25 per subsequent visit
Waiting period: 2 months
Psychology and counselling services with a registered practitioner to assist with physical, emotional and mental health concerns to improve a sense of self and wellbeing.
Benefits paid$100 per visit
Waiting period: 2 months
Assessment and treatment of speech, swallowing and communication disorders or the treatment of ailments impacting everyday activities.
Benefits paid$45 first visit in calendar year, $35 per subsequent visit
Waiting period: 2 months
Assessment and treatment of conditions affecting the feet and lower limbs. Outpatient podiatric surgery is excluded.
Benefits paid$40 first visit in calendar year, $30 per subsequent visit. $100 per pair for orthotics (up to 2 pairs per year).
Waiting period: 2 months
Services provided by a registered dietician focusing on the diet and nutrition, and their effects on health.
Benefits paid$35 first visit in calendar year $30 per subsequent visit
Waiting period: 2 months
Assessment, diagnosis and non-surgical management of eye disorders.
Benefits paid$30 per visit
Waiting period: 2 months
Clinical exercise interventions and lifestyle programming to prevent and/or manage chronic medical conditions, injury and disability.
Benefits paidIndividual: $25 per visit
Group: $10 per visit
Waiting period: 2 months
Treatments to manage a specific health condition diagnosed by a medical practitioner, who is not related to you.
For policies with more than one person insured (e.g., couple), there is policy limit of $300.
Benefits paid75% of the cost
Total limit$150
Exclusions
Complex dental procedures including major dental restorations, endodontics, periodontics, crowns, bridges, dentures, prosthodontics and orthodontics.
Mammograms, ThinPrep tests, bone density and mole mapping when not subsidised by Medicare.
Devices to manage hearing loss and assist with listening, communication and participation in daily activities.
Midwifery, pre-natal and/or post-natal classes or consultations including pelvic floor physiotherapy, breastfeeding consultations or parenting classes performed by a nurse, midwife or physiotherapist.
Home care (also known as domiciliary care, social care or in-home care) provided in the home by a registered nurse not already subsidised by any government agency.
Corrective surgery used to treat a range of conditions including blurred vision and misshapen cornea.
Things you should know
Limits apply per person per year, except where otherwise stated. Limits reset on 1 January.
Wisdom teeth extraction and other dental procedures in hospital require both hospital cover (for hospital accommodation and anaesthetist costs) and Essential Extras or Total Extras (for dental surgeon costs).
Ambulance cover is not included in our extras policies but is covered in our hospital policies.
You might also be interested in Hospital Cover
Smart Starter Bronze Plus
Entry-level hospital cover with more inclusions than bronze level cover, designed for young singles, couples and families who aren’t looking for higher cover at this stage of their life.
Entry-level extras cover available to singles and couples, when combined with Smart Starter Bronze Plus hospital cover.
Extras cover for singles and couples with 100% cover for one general dental checkup~ per year (limited to an examination, fluoride and a scale and clean) and cover for other general dental, optical, physio and more. And with no preferred provider networks, you get to choose all your extras healthcare providers.
Please note that limits apply per person per year, except when otherwise stated. Limits reset on 1 January.
~ Checkups limited to an examination, fluoride, scale and clean where the fees are within the range of usual, customary and reasonable charges.
Important Information
Inclusions
Waiting period: 2 months
Diagnostic and preventative dental services includes checkups, fissure sealings, bitewing x-rays and simple fillings. Excludes extractions and tooth whitening. Also excludes all major dental and orthodontics.
Checkups limited to an examination (items 011 to 017), fluoride (item 121), and a scale and clean (items 111, 114 and 115).
Benefits paid100% of the cost for the first checkup~, 50% of the cost for subsequent checkups and most other dental services.
Total limit$800
Waiting period: 2 months
Your choice of contact lenses, frames fitted with prescription lenses or optical repairs.
Benefits paid100% of the cost
Total limit$300 every 2 years
Waiting period: 2 months
Prescription medication not covered by the Pharmaceutical Benefits Scheme (PBS) and immunisations, including those needed for travel.
Benefits paid85% of the cost covered above the PBS to a maximum of $20 per prescription (sub-limits apply).
Total limit$150 combined limit
Waiting period: 12 months
Devices such as blood glucose monitors and CPAP machines, where the use of the item is recommended by a registered health practitioner for a health condition and the item was supplied within Australia.
Each non-consumable item can only be claimed once every 2 years.
Benefits paid75% of the cost
Waiting period: 2 months
Joint and muscle movement therapy, education or advice for injury or disease management including individual physiotherapy, group physiotherapy and hydrotherapy but excluding class physiotherapy.
Benefits paidIndividual: $45 first visit in calendar year, $35 per subsequent visit.
Group: $15 per visit
Hydrotherapy: $15 per visit
Total limit$600 combined limit
Waiting period: 2 months
Treatment and management of muscle tension or chronic pain through deep tissue and muscle massage.
Benefits paid$35 first visit in calendar year, $25 per subsequent visit
Waiting period: 2 months
Psychology and counselling services with a registered practitioner to assist with physical, emotional and mental health concerns to improve a sense of self and wellbeing.
Benefits paid$100 per visit
Waiting period: 2 months
Assessment and treatment of speech, swallowing and communication disorders or the treatment of ailments impacting everyday activities.
Benefits paid$45 first visit in calendar year, $35 per subsequent visit
Waiting period: 2 months
Assessment and treatment of conditions affecting the feet and lower limbs. Outpatient podiatric surgery is excluded.
Benefits paid$40 first visit in calendar year, $30 per subsequent visit. $100 per pair for orthotics (up to 2 pairs per year).
Waiting period: 2 months
Services provided by a registered dietician focusing on the diet and nutrition, and their effects on health.
Benefits paid$35 first visit in calendar year $30 per subsequent visit
Waiting period: 2 months
Assessment, diagnosis and non-surgical management of eye disorders.
Benefits paid$30 per visit
Waiting period: 2 months
Clinical exercise interventions and lifestyle programming to prevent and/or manage chronic medical conditions, injury and disability.
Benefits paidIndividual: $25 per visit
Group: $10 per visit
Waiting period: 2 months
Treatments to manage a specific health condition diagnosed by a medical practitioner, who is not related to you.
For policies with more than one person insured (e.g., couple), there is policy limit of $300.
Benefits paid75% of the cost
Total limit$150
Exclusions
Complex dental procedures including major dental restorations, endodontics, periodontics, crowns, bridges, dentures, prosthodontics and orthodontics.
Mammograms, ThinPrep tests, bone density and mole mapping when not subsidised by Medicare.
Devices to manage hearing loss and assist with listening, communication and participation in daily activities.
Midwifery, pre-natal and/or post-natal classes or consultations including pelvic floor physiotherapy, breastfeeding consultations or parenting classes performed by a nurse, midwife or physiotherapist.
Home care (also known as domiciliary care, social care or in-home care) provided in the home by a registered nurse not already subsidised by any government agency.
Corrective surgery used to treat a range of conditions including blurred vision and misshapen cornea.
Things you should know
Limits apply per person per year, except where otherwise stated. Limits reset on 1 January.
Wisdom teeth extraction and other dental procedures in hospital require both hospital cover (for hospital accommodation and anaesthetist costs) and Essential Extras or Total Extras (for dental surgeon costs).
Ambulance cover is not included in our extras policies but is covered in our hospital policies.
You might also be interested in Hospital Cover
Smart Starter Bronze Plus
Entry-level hospital cover with more inclusions than bronze level cover, designed for young singles, couples and families who aren’t looking for higher cover at this stage of their life.
