High-end extras cover offering a range of premium benefits, including major dental cover and high annual claim limits.
No limit for general dental services including 100% of the cost of all checkups~, fissure sealings and bitewing x-rays, and generous limits for major dental. Up to $700 every 2 years for your choice of contact lenses or frames with prescription lenses, and benefits for laser eye surgery.
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 including checkups, fissure sealings, bitewing x-rays, extractions, tooth whitening and simple fillings.
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 of checkups~, fissure sealings and bitewing x-rays, fixed benefits for most other items.
Service limits apply for tooth whitening.
Total limitUnlimited
Waiting period: 12 months
Includes major restorative work, endodontics, periodontics, crowns, bridges, dentures, prosthodontics and orthodontics.
Fixed benefit paid for most items
Major dental restorative limit: $1,000
Endodontic/periodontic limit: $1,000
Crowns and bridges limit: $1,200
Dentures and prosthodontics limit: $1,000
Orthodontics: 100% of the cost, lifetime limit of $3,000 accrued at $600 per year of membership
Benefits paidFixed benefits paid for most items except for orthodontics which pays 100% of the cost up to the accrued limit at time of service
Total limitFixed per type
Waiting period: 2 months
Your choice of contact lenses or frames fitted with prescription lenses.
$50 benefit for optical repairs included in $700 limit.
Benefits paid100% of the cost
Total limit$700 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 $70 per prescription (sub-limits apply).
Total limit$600 combined limit
Waiting period: 2 months
Mammograms, ThinPrep tests, bone density and mole mapping when not subsidised by Medicare.
A limit of one of each test per person per year.
Benefits paid$60 per test
Waiting period: 24 months
Devices to manage hearing loss and assist with listening, communication and participation in daily activities.
Limit: resets on the 1st January of the fifth calendar year following the claim
One hearing aid repair $50 per year and one audiology test $60 per year.
Benefits paid$800 left hearing aid
$800 right hearing aid
Total limit$800 per ear every 5 years
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: $75 first visit in calendar year, $50 per subsequent visit
Group: $20 per visit
Hydrotherapy: $20 per visit
Total limit$700 combined limit
Waiting period: 2 months
Treatment and management of muscle tension or chronic pain through deep tissue and muscle massage.
Benefits paid$50 first visit in a calendar year, $35 per subsequent visit
Waiting period: 2 months
Clinical exercise interventions and lifestyle programming to prevent and/or manage chronic medical conditions, injury and disability.
Benefits paidIndividual: $35 per visit
Group: $10 per 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
Total limit$900
Waiting period: 2 months
Assessment and treatment of speech, swallowing and communication disorders or the treatment of ailments impacting everyday activities.
Sub-limit of $600 for occupational and $600 for speech therapy.
Benefits paid$65 first visit in calendar year, $45 per subsequent visit
Total limit$1,000 combined limit
Waiting period: 2 months
Assessment and treatment of conditions affecting the feet and lower limbs. Outpatient podiatric surgery is excluded.
Sub-limit of $600 for podiatry.
Benefits paid$65 first visit in calendar year, $40 per subsequent visit. $200 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.
Sub-limit of $600 for dietetics.
Benefits paid$65 first visit in calendar year, $40 per subsequent visit
Waiting period: 2 months
Assessment, diagnosis and non-surgical management of eye disorders.
Sub-limit of $600 for orthoptics.
Benefits paid$65 first visit in calendar year, $40 per subsequent visit
Waiting period: 2 months
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.
Sub-limit of $600 for pregnancy services.
Benefits paid$65 first visit in calendar year, $35 per subsequent visit
Waiting period: 2 months
Home care (also referred to as domiciliary care, social care or in-home care) is supportive care provided in the home by a registered provider such as a registered nurse.
Benefits paid$30 per visit up to 6 hours, $60 per visit over 6 hours
Total limit$600
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. Sub-limits apply.
Total limit$1,000
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, family, and single parent), there is a policy limit of $500.
Benefits paid75% of the cost
Total limit$250
Waiting period: 12 months
Corrective surgery used to treat a range of conditions including blurred vision and misshapen cornea.
Limit: resets on the 1st January of the fifth calendar year following the claim
Benefits paid$800 left eye
$800 right eye
Total limit$800 per eye every 5 years
Things you should know
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).
Limits apply per person per year, except where otherwise stated. Limits reset on 1 January.
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.
High-end extras cover offering a range of premium benefits, including major dental cover and high annual claim limits.
No limit for general dental services including 100% of the cost of all checkups~, fissure sealings and bitewing x-rays, and generous limits for major dental. Up to $700 every 2 years for your choice of contact lenses or frames with prescription lenses, and benefits for laser eye surgery.
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 including checkups, fissure sealings, bitewing x-rays, extractions, tooth whitening and simple fillings.
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 of checkups~, fissure sealings and bitewing x-rays, fixed benefits for most other items.
Service limits apply for tooth whitening.
Total limitUnlimited
Waiting period: 12 months
Includes major restorative work, endodontics, periodontics, crowns, bridges, dentures, prosthodontics and orthodontics.
Fixed benefit paid for most items
Major dental restorative limit: $1,000
Endodontic/periodontic limit: $1,000
Crowns and bridges limit: $1,200
Dentures and prosthodontics limit: $1,000
Orthodontics: 100% of the cost, lifetime limit of $3,000 accrued at $600 per year of membership
Benefits paidFixed benefits paid for most items except for orthodontics which pays 100% of the cost up to the accrued limit at time of service
Total limitFixed per type
Waiting period: 2 months
Your choice of contact lenses or frames fitted with prescription lenses.
$50 benefit for optical repairs included in $700 limit.
Benefits paid100% of the cost
Total limit$700 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 $70 per prescription (sub-limits apply).
Total limit$600 combined limit
Waiting period: 2 months
Mammograms, ThinPrep tests, bone density and mole mapping when not subsidised by Medicare.
A limit of one of each test per person per year.
Benefits paid$60 per test
Waiting period: 24 months
Devices to manage hearing loss and assist with listening, communication and participation in daily activities.
Limit: resets on the 1st January of the fifth calendar year following the claim
One hearing aid repair $50 per year and one audiology test $60 per year.
Benefits paid$800 left hearing aid
$800 right hearing aid
Total limit$800 per ear every 5 years
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: $75 first visit in calendar year, $50 per subsequent visit
Group: $20 per visit
Hydrotherapy: $20 per visit
Total limit$700 combined limit
Waiting period: 2 months
Treatment and management of muscle tension or chronic pain through deep tissue and muscle massage.
Benefits paid$50 first visit in a calendar year, $35 per subsequent visit
Waiting period: 2 months
Clinical exercise interventions and lifestyle programming to prevent and/or manage chronic medical conditions, injury and disability.
Benefits paidIndividual: $35 per visit
Group: $10 per 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
Total limit$900
Waiting period: 2 months
Assessment and treatment of speech, swallowing and communication disorders or the treatment of ailments impacting everyday activities.
Sub-limit of $600 for occupational and $600 for speech therapy.
Benefits paid$65 first visit in calendar year, $45 per subsequent visit
Total limit$1,000 combined limit
Waiting period: 2 months
Assessment and treatment of conditions affecting the feet and lower limbs. Outpatient podiatric surgery is excluded.
Sub-limit of $600 for podiatry.
Benefits paid$65 first visit in calendar year, $40 per subsequent visit. $200 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.
Sub-limit of $600 for dietetics.
Benefits paid$65 first visit in calendar year, $40 per subsequent visit
Waiting period: 2 months
Assessment, diagnosis and non-surgical management of eye disorders.
Sub-limit of $600 for orthoptics.
Benefits paid$65 first visit in calendar year, $40 per subsequent visit
Waiting period: 2 months
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.
Sub-limit of $600 for pregnancy services.
Benefits paid$65 first visit in calendar year, $35 per subsequent visit
Waiting period: 2 months
Home care (also referred to as domiciliary care, social care or in-home care) is supportive care provided in the home by a registered provider such as a registered nurse.
Benefits paid$30 per visit up to 6 hours, $60 per visit over 6 hours
Total limit$600
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. Sub-limits apply.
Total limit$1,000
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, family, and single parent), there is a policy limit of $500.
Benefits paid75% of the cost
Total limit$250
Waiting period: 12 months
Corrective surgery used to treat a range of conditions including blurred vision and misshapen cornea.
Limit: resets on the 1st January of the fifth calendar year following the claim
Benefits paid$800 left eye
$800 right eye
Total limit$800 per eye every 5 years
Things you should know
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).
Limits apply per person per year, except where otherwise stated. Limits reset on 1 January.
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.
