Exclusive to Smart Starter Bronze Plus, Starter Extras cover is perfect for singles and couples. Offering 100% cover for one general dental checkup per year¹ and cover for other general dental, optical, physio.
Which Extras is right for you and your family?
Benefits that support your healthcare needs for singles, couples and families
What is Extras cover?
Extras cover is used for out-of-hospital services that Medicare does not cover, such as a range of health and wellness essentials like dental, optical, physiotherapy, and mental health services. Doctors’ Health Fund does not provide benefits on any level of extras cover for services that are not medically proven. This includes chiropractic and osteopathy services.
Extras cover can be taken out on its own or in combination with hospital cover. Depending on the level of cover you take out, your extras cover will pay up to an annual limit which is the maximum amount of benefit that you can claim towards that service each year.
Annual limits for extras cover apply per person per calendar year except where otherwise stated. Limits reset on 1 January.
If you transfer to Doctors’ Health Fund and/or transfer internally to another membership, please be aware that extras benefits paid by the previous fund and/or policy count towards:
- Annual limits within your first calendar year
- Lifetime limits.
Type of cover:
We offer 3 different extras cover options, designed to support your changing needs.
Starter Extras is exclusively partnered with Smart Starter Bronze Plus hospital cover, while Essential Extras and Total Extras can be partnered with any hospital cover option.
Starter Extras
Starter Extras offers a basic level of cover and could suit your needs if you’re new to private health insurance or unlikely to require a higher level of access, costly treatments and services.
This budget friendly option helps cover services to maintain your active lifestyle.
Benefits include: 100% cover for one general dental check-up per year1, other general dental, physiotherapy and remedial massage.
- Available only when combined with Smart Starter Bronze Plus hospital cover.
- Waiting periods apply if you are new to extras cover or if you are switching from a lower level of extras cover
See full policy terms and conditions here.
Essential Extras
Comprehensive cover for those who’d like the freedom to choose from a range of benefits.
Benefits include: 100% cover for two dental checkups per year2 and a $500 optical limit every two years.
This mid-level option is great for singles and couples seeking a higher level of cover, or for families with growing needs.
- Can be partnered with any hospital cover
- Waiting periods apply if you are new to extras cover or if you are switching from a lower level of extras cover
See full policy terms and conditions here.
Total Extras
This high-end cover option is ideal for families and those seeking access to premium benefits.
Benefits include:
- no limit for general dental services including 100% of the cost of all check-ups, fissure sealings and bitewing x-rays,
- generous limits for major dental;
- up to $700 every 2 years for contact lenses or frames with prescription lenses,
- benefits for laser eye surgery.
- Can be partnered with any hospital cover
- Waiting periods apply if you are new to extras cover or if you are switching from a lower level of extras cover
See full policy terms and conditions here.
Compare our cover options to find the best match for your healthcare needs
Great for those needing a higher level of cover or for young families with changing needs. Mid-level extras cover with a substantial list of benefits, including 100% cover for two dental checkups per year² and a $500 optical limit every two years.
High-end extras cover offering a range of premium benefits, including 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 contact lenses or frames with prescription lenses, and benefits for laser eye surgery
Or, call our expert team on 1800 226 126 to discuss the product that best suits your needs.
Extras and taxes
Taking out extras cover can help to reduce your household expenses by reducing the amount you pay for healthcare services. Both the Australian Government private health insurance rebate and the Medicare Levy Surcharge require Hospital Cover to be taken out and held in order for the rebates to apply at tax time.
For more information on how to save on private health insurance, click here.
The simplest way to access the tax benefits and reduce your outpatient out of pockets is by taking out a combined hospital and extras policy.
Sometimes it helps to speak to an expert. Our experienced team are ready to assist you make the right choice for your unique lifestyle and healthcare needs.
Contact us on 1800 226 126 or email us for a quote join@doctorshealthfund.com.au.
1 For Starter Extras: one general dental check-up per year is limited to an examination, fluoride, and a scale and clean.
2 For Essential Extras: two dental check-ups per year is limited to an examination, fluoride, and a scale and clean.