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Lifelong Extras

Extras Only

With 80% back on most benefits and a unique benefit rollover, with Lifelong Extras cover you can rest assured that your supplementary health needs will be taken care of, whenever you need them.

$38.50*

Join Up

Lifelong Extras.

Extras Only.

  • Provider of your choice
    FREEDOM TO CHOOSE: Your recognised doctor or health care provider.
  • Rollover
    WE'RE THE ONLY INSURANCE GROUP in Australia that offers rollover benefits.
  • No Excess
    GENEROUS BENEFITS: We pay 80% of the cost for most Extras services.
  • medical
    COMPREHENSIVE AMBULANCE COVER: Emergency transport, clinically required non-emergency transport and treatment not requiring transport.

*Waiting periods and Annual Maximums may apply.

 

Lifelong Extras covers you for an extensive range of health services that help you to stay fit and healthy.

We're confident you’ll love our extras cover. It's designed exclusively for the needs of the emergency services community providing you with exceptional benefits.

Products & Benefits Guide State Premiums & Benefits Brochure

Extras

Inclusions List Left
  • General Dental

    (includes check-ups, x-rays, simple extractions, fillings and root canal)

    Waiting period
    2 months

    Annual maximum per person
    Unlimited

    Rollover maximum per person
    N/A

    For examples of benefits paid, please refer to page 6 of our State Premiums & Benefits Guide

  • Major Dental

    (includes crowns and dentures)

    Waiting period
    12 months

    Annual maximum per person
    $1300

    Rollover maximum per person*
    $2600

    For examples of benefits paid, please refer to page 6 of our State Premiums & Benefits Guide

  • Orthodontic

    Orthodontic benefits work slightly differently to other benefits. Limits apply after completion of anniversary years.

    Waiting period
    12 months

    Annual maximum per person
    1st Year $0
    2nd Year $800
    3rd year $800
    4th year $1500

    Lifetime limit
    $3000

    Rollover maximum per person
    N/A

    For examples of benefits paid, please refer to page 6 of our State Premiums & Benefits Guide

  • Optical

    Waiting period
    2 months

    Annual maximum per person
    $300

    Rollover maximum per person*
    $600

    For examples of benefits paid, please refer to page 6 of our State Premiums & Benefits Guide

  • Physiotherapy

    Waiting period
    2 months

    Annual maximum per person
    $850 combined with Exercise Physiology

    Rollover maximum per person*
    $1700

    For examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide

  • Exercise Physiology

    Waiting period
    2 months

    Annual maximum per person
    Combined with Physiotherapy. Sub-limit for Exercise Physiology $400 per person, up to $800 per family

    Rollover maximum per person
    N/A

    For examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide

  • Chiropractic

    Waiting period
    2 months

    Annual maximum per person
    $700 combined limit with Naturopathy, Acupuncture, Osteopathy and Complementary Therapies.

    Rollover maximum per person*
    $1400

    For examples of benefits paid, please refer to page 6 of our State Premiums & Benefits Guide

  • Naturopathy

    Waiting period
    2 months

    Annual maximum per person
    $700 combined limit with Chiropractic, Acupuncture, Osteopathy and Complementary Therapies.

    Rollover maximum per person*
    $1400

    For examples of benefits paid, please refer to page 6 of our State Premiums & Benefits Guide

  • Acupuncture

    Waiting period
    2 months

    Annual maximum per person
    $700 combined limit with Chiropractic, Naturopathy, Osteopathy and Complementary Therapies.

    Rollover maximum per person*
    $1400

    For examples of benefits paid, please refer to page 6 of our State Premiums & Benefits Guide

  • Osteopathy

    Waiting period
    2 months

    Annual maximum per person
    $700 combined limit with Chiropractic, Naturopathy, Acupuncture and Complementary Therapies.

    Rollover maximum per person*
    $1400

    For examples of benefits paid, please refer to page 6 of our State Premiums & Benefits Guide

  • Complementary Therapies

    Waiting period
    2 months

    Annual maximum per person
    $700 combined limit with Chiropractic, Naturopathy, Acupuncture and Osteopathy.

    Rollover maximum per person*
    N/A

    For examples of benefits paid, please refer to page 6 of our State Premiums & Benefits Guide

  • Speech Therapy

    Waiting period
    2 months

    Annual maximum per person
    $850

    Rollover maximum per person*
    $1700

    For examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide

  • Occupational Therapy

    Waiting period
    2 months

    Annual maximum per person
    $600

    Rollover maximum per person*
    $1200

    For examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide

  • Eye Therapy

    Waiting period
    2 months

    Annual maximum per person
    $600

    Rollover maximum per person*
    $1200

    For examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide

  • Dietary

    Waiting period
    2 months

    Annual maximum per person
    $600

    Rollover maximum per person*
    $1200

    For examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide

  • Podiatry

    Waiting period
    2 months

    Annual maximum per person
    $700

    Rollover maximum per person*
    $1400

    For examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide

  • Psychology

    Waiting period
    2 months

    Annual maximum per person
    $850

    Rollover maximum per person*
    $1700

    For examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide

  • Ambulance

    Waiting period
    2 months

    Annual maximum per person
    Unlimited

    Rollover maximum per person
    N/A

    For examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide

  • Pharmaceutical

    Available at any recognised pharmacy

    Waiting period
    2 months

    Annual maximum per person
    $600

    Rollover maximum per person*
    $1200

    For examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide

  • School Accident

    Waiting period
    2 months

    Annual maximum per person
    $500

    Rollover maximum per person
    N/A

    For examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide

  • Health Appliances

    Doctor’s referral may be required for some appliances.

    Waiting period
    12 months

    Annual maximum per person
    Various limits apply. See below link.

    Rollover maximum per person
    N/A

    For annual maximums and examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide

More info on Extras

Notes List Right