Our Extras covers you for an extensive range of health services that help you to stay fit and healthy.
Our cover is designed to be used – to keep you healthy in body and mind and out there protecting the rest of us.
Leave your details, so we can take you through our cover and answer your questions obligation free!
Recognised health providers
FAQ Answer
Recognised health providers are those who are in private practice in Australia and recognised by us. We only pay benefits for services by these providers. If you wish to ensure that your provider is covered please refer to our online provider search (for a non-exhaustive list) or speak to us prior to treatment.
Annual Maximum
FAQ Answer
The Annual Maximum benefit payable for services received during the calendar year for particular service or group of services per person unless stated otherwise. The Annual Maximums start new on the 1st January each year (orthodontics maximum is determined by length of membership based on anniversary year). Emergency Services Health also provides a Rollover Benefit to most Extras.
Extras -What is not covered (non-exhaustive list*)
FAQ Answer
- Claims for a service that has exceeded the Annual Maximum and Rollover Maximum.
- A second and subsequent consult with the same professional on the same day.
- Where the service charge exceeds the fee recognised by Emergency Services Health, the benefit you receive may be less than 80% of your cost.
- Where the service provider is a partner, child or parent of the person being treated. Business partners within the practice are also excluded.
- Services incurred before a waiting period has been served.
- Services where a Medicare benefit is payable.
- Services that are provided outside of the Commonwealth of Australia.
- Services where an entitlement exists or may exist under any compensation, sports club or third party insurance.
- A claim for a service that is submitted more than two years after the date of service.
- Services provided by practitioners not recognised by the fund.
- Cancellation fees, for missed appointments, as set by the provider.
- Benefits for ambulance services covered by a third party arrangement such as a State/Territory transportation scheme.
* This provides a general description of what is not covered. Should you require information about a particular treatment or benefit please call us on 1300 703 703.
Extras - What's covered?
FAQ Answer
For the majority of services provided by recognised providers, Emergency Services Health pays a generous 80% of the cost.
The waiting periods outlined in the above table may not apply if they have been served with another insurer prior to joining. Further waiting periods may apply for pre-existing conditions. For a list of example benefits please download our State Premiums & Benefits Guide.
Waiting periods
FAQ Answer
Like all private health funds, Emergency Services Health has waiting periods for new members, including people transferring from another insurer when taking out a higher level of cover. Waiting periods also apply to current members upgrading their cover.
Waiting periods are designed to protect the interest of our members. Without them, it would be easy for people to join only at the times when they need cover and to receive benefits. This would lead to higher premiums for all fund members.
At Emergency Services Health the waiting periods are:
Hospital benefits of Gold Hospital and Gold Combined:
- 2 months membership for all benefits, excluding accidents
- 12 months membership for obstetric treatment
- 12 months membership for pre-existing conditions, excluding psychiatric care, rehabilitation or palliative care.
- 12 months membership for travel and accommodation (general treatment) and home nursing.
- 12 months membership for continuous positive air pressure (CPAP) machines, and goods and services under Non-surgically Implanted Prosthesis and Appliances and other aids and appliances.
Extras benefits for Rolling Extras and Gold Combined:
- 2 months membership for all benefits, excluding accidents
- 12 months membership for major dental (like crowns and dentures) and orthodontics, hearing aids, nebulisers, blood glucose & blood pressure monitors, blood coagulation monitor and for pre-existing conditions
- 12 month membership for Rollover Benefit (2 years Major Dental).
Gold Combined:
- 3 years membership for corrective laser eye surgery.
It is important to note that if you are transferring from another insurer, waiting periods only apply to the level of cover that is greater the previously held.
For instance, if you previously had a top hospital cover with the previous insurer but with an excess, the waiting period only applies to the excess when joining Emergency Services Health.
A government leaflet containing further information is available by clicking here.
Pre-existing conditions
If a new member has a pre-existing condition before joining Emergency Services Health, they may need to serve a 12-month waiting period under the terms of our policy before benefits are payable for the particular condition. This does not apply for psychiatric care, rehabilitation or palliative care.
A pre-existing condition is one where signs or symptoms of your ailment, illness or condition existed at any time during the six months preceding the day on which you purchased your insurance or upgraded to a higher level of cover.
A medical practitioner appointed by Emergency Services Health (not your own doctor) is the only person authorised to decide that a condition is pre-existing. The practitioner must, however, consider any information regarding signs and symptoms provided by your own treating doctor or specialist.
A government leaflet containing further information is available by clicking here
Rollover Benefit
FAQ Answer
Most benefits for extra services, like your major dental, chiropractic and optical have Annual Maximums, which are renewed each calendar year.
To provide extra protection to our members we have developed our Rollover Benefit to give you greater assurance if something were to happen.
The Emergency Services Health Rollover Benefit allows members to carry over any unused Annual Maximum benefit that is not claimed during the previous calendar year into the following year. The Rollover Benefit covers most extras services, such as major dental and physiotherapy, and gives members more flexibility in using their limits.
Claims are always paid from the current year’s Annual Maximum before your Rollover Benefit is accessed.
New members are eligible for Rollover Benefit after just 12 months (2 years for major dental). The combined Rollover Benefit and the Annual Maximum are shown as the “Rollover Maximum”.
Benefit limits for Extras
FAQ Answer
Emergency Services Health pays 80% back on most Extras services up to the benefit limits and subject to waiting periods, Annual Maximums and Rollover Benefits available.
To see examples of benefits paid please download a copy of our State Premiums & Benefits Guide.
Am I covered for ambulance?
FAQ Answer
Emergency Services Health - Unlimited Ambulance Cover Australia-wide
Did you know that to call an ambulance can cost around $900 depending on your state or territory?
In a medical emergency, the cost of calling an ambulance is not at the top of your mind, but the bill after can be quite a shock if you do not have an ambulance cover. Good news when you are insured with Emergency Services Health all policies include ambulance cover- Australia Wide no matter if you’re in your home state or visiting another part of Australia.
Comprehensive 100% Ambulance cover for emergency transport, clinically required non-emergency transport and treatment not requiring transport.*
What's not covered?
Benefits are not payable:
For elective ambulance transport or other non-eligible ambulance service, for example when you pre-book transport between locations such as going from a hospital to a nursing home.
When you’re covered by a third party arrangement**. For example where you are covered by an ambulance subscription or if you have access to a State/Territory ambulance transportation scheme.
If you are still serving waiting periods.
*May be subject to waiting periods and other conditions.
**Third Party Arrangements: Please note Queensland and Tasmanian residents have third-party arrangement ambulance services provided by state government schemes. In some other states, Department of Veterans Affairs Gold Card, pension and healthcare card holders may be exempt from paying for ambulance services. Under those arrangements, the relevant scheme is responsible for the cost and Emergency Services Health does not pay a benefit. If the benefit for any eligible ambulance treatment costs are not fully covered by an arrangement or scheme, Emergency Services Health will pay a benefit.
Products and benefits guide
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EXTRAS
All
General Dental
- General DentalAnnual maximum per person:UnlimitedRollover maximum per person:N/AWaiting Period:2 monthsIncludes checkups, x-rays, simple extractions, fillings and root canal.Rollover Maximum available after 12 months membership with extras cover, except major dental which requires 2 years of membership.StateFamily TypeExample Benefit
› Oral exam (2 every calendar year) 80% up to $56.60
› Scale and clean (2 every calendar year) 80% up to $113.10
› Filling - adhesive posterior 3 surface 80% up to $220.80
› Mouth Guard (1 every calendar year) 80% up to $184.00
StateFamily TypeExample Benefit› Oral exam (2 every calendar year) 80% up to $56.60
› Scale and clean (2 every calendar year) 80% up to $113.10
› Filling - adhesive posterior 3 surface 80% up to $220.80
› Mouth Guard (1 every calendar year) 80% up to $184.00
StateFamily TypeExample Benefit› Oral exam (2 every calendar year) 80% up to $64.80
› Scale and clean (2 every calendar year) 80% up to $138.00
› Filling - adhesive posterior 3 surface 80% up to $248.40
› Mouth Guard (1 every calendar year) 80% up to $209.70
StateFamily TypeExample Benefit› Oral exam (2 every calendar year) 80% up to $55.20
› Scale and clean (2 every calendar year) 80% up to $112.70
› Filling - adhesive posterior 3 surface 80% up to $220.80
› Mouth Guard (1 every calendar year) 80% up to $163.50
StateFamily TypeExample Benefit› Oral exam (2 every calendar year) 80% up to $55.20
› Scale and clean (2 every calendar year) 80% up to $116.60
› Filling - adhesive posterior 3 surface 80% up to $220.80
› Mouth Guard (1 every calendar year) 80% up to $188.60
StateFamily TypeExample Benefit› Oral exam (2 every calendar year) 80% up to $64.40
› Scale and clean (2 every calendar year) 80% up to $117.00
› Filling - adhesive posterior 3 surface 80% up to $234.60
› Mouth Guard (1 every calendar year) 80% up to $163.70
StateFamily TypeExample Benefit› Oral exam (2 every calendar year) 80% up to $55.30
› Scale and clean (2 every calendar year) 80% up to $116.60
› Filling - adhesive posterior 3 surface 80% up to $211.60
› Mouth Guard (1 every calendar year) 80% up to $151.80
StateFamily TypeExample Benefit› Oral exam (2 every calendar year) 80% up to $56.10
› Scale and clean (2 every calendar year) 80% up to $110.40
› Filling - adhesive posterior 3 surface 80% up to $220.80
› Mouth Guard (1 every calendar year) 80% up to $146.00
Major Dental
- Major DentalAnnual maximum per person:$1,500Rollover maximum per person:$3,000Waiting Period:12 monthsIncludes crowns and dentures.Rollover Maximum available after 12 months membership with extras cover, except major dental which requires 2 years of membership.StateFamily TypeExample Benefit
› Full crown-veneered 80% up to $1,380.00
› Complete upper & lower dentures (1 every 3 years) 80% up to $1,794.00
StateFamily TypeExample Benefit› Full crown-veneered 80% up to $1,380.00
› Complete upper & lower dentures (1 every 3 years) 80% up to $1,794.00
StateFamily TypeExample Benefit› Full crown-veneered 80% up to $1,518.00
› Complete upper & lower dentures (1 every 3 years) 80% up to $1,794.00
StateFamily TypeExample Benefit› Full crown-veneered 80% up to $1,449.00
› Complete upper & lower dentures (1 every 3 years) 80% up to $1,794.00
StateFamily TypeExample Benefit› Full crown-veneered 80% up to $1,453.60
› Complete upper & lower dentures (1 every 3 years) 80% up to $1,794.00
StateFamily TypeExample Benefit› Full crown-veneered 80% up to $1,472.00
› Complete upper & lower dentures (1 every 3 years) 80% up to $1,748.00
StateFamily TypeExample Benefit› Full crown-veneered 80% up to $1,380.00
› Complete upper & lower dentures (1 every 3 years) 80% up to $1,794.00
StateFamily TypeExample Benefit› Full crown-veneered 80% up to $1,389.20
› Complete upper & lower dentures (1 every 3 years) 80% up to $1,794.00
Orthodontic
- OrthodonticAnnual maximum per person:$1,500Rollover maximum per person:N/AWaiting Period:12 monthsLifetime limit $3000Family TypeExample Benefit80% up to Annual Maximum (Item limits apply).
Optical
- OpticalAnnual maximum per person:$350Rollover maximum per person:$700Waiting Period:2 monthsRollover Maximum available after 12 months membership with extras cover, except major dental which requires 2 years of membership.StateFamily TypeExample Benefit
General Optical Providers:
› Standard single vision lenses 80% up to $119.60
› Standard progressive lenses 80% up to $294.40
› Contact lenses, disposable-spherical 80% up to $134.40
› Contact lenses, rigid 80% up to $249.60
› Frames set benefit up to $350
At OPSM and Laubman & Pank:
› Standard single vision lenses 100%
› Standard progressive lenses 100%
› Contact lenses, disposable-spherical 100%
› Contact lenses, rigid 100%
› Frames set benefit up to $350.00
StateFamily TypeExample BenefitGeneral Optical Providers:
› Standard single vision lenses 80% up to $119.60
› Standard progressive lenses 80% up to $294.40
› Contact lenses, disposable-spherical 80% up to $134.40
› Contact lenses, rigid 80% up to $249.60
› Frames set benefit up to $350.00
At OPSM and Laubman & Pank:
› Standard single vision lenses 100%
› Standard progressive lenses 100%
› Contact lenses, disposable-spherical 100%
› Contact lenses, rigid 100%
› Frames set benefit up to $350.00
StateFamily TypeExample BenefitGeneral Optical Providers:
› Standard single vision lenses 80% up to $109.45
› Standard progressive lenses 80% up to $258.20
› Contact lenses, disposable-spherical 80% up to $134.40
› Contact lenses, rigid 80% up to $249.60
› Frames set benefit up to $350.00
At OPSM and Laubman & Pank:
› Standard single vision lenses 100%
› Standard progressive lenses 100%
› Contact lenses, disposable-spherical 100%
› Contact lenses, rigid 100%
› Frames set benefit up to $350.00
StateFamily TypeExample BenefitGeneral Optical Providers:
› Standard single vision lenses 80% up to $109.45
› Standard progressive lenses 80% up to $258.20
› Contact lenses, disposable-spherical 80% up to $134.40
› Contact lenses, rigid 80% up to $249.60
› Frames set benefit up to $350.00
At OPSM and Laubman & Pank:
› Standard single vision lenses 100%
› Standard progressive lenses 100%
› Contact lenses, disposable-spherical 100%
› Contact lenses, rigid 100%
› Frames set benefit up to $350.00
StateFamily TypeExample BenefitGeneral Optical Providers:
› Standard single vision lenses 80% up to $109.45
› Standard progressive lenses 80% up to $278.40
› Contact lenses, disposable-spherical 80% up to $134.40
› Contact lenses, rigid 80% up to $249.60
› Frames set benefit up to $350.00
At OPSM and Laubman & Pank:
› Standard single vision lenses 100%
› Standard progressive lenses 100%
› Contact lenses, disposable-spherical 100%
› Contact lenses, rigid 100%
› Frames set benefit up to $350.00
StateFamily TypeExample BenefitGeneral Optical Providers:
› Standard single vision lenses 80% up to $109.45
› Standard progressive lenses 80% up to $279.80
› Contact lenses, disposable-spherical 80% up to $134.40
› Contact lenses, rigid 80% up to $249.60
› Frames set benefit up to $350.00
At OPSM and Laubman & Pank:
› Standard single vision lenses 100%
› Standard progressive lenses 100%
› Contact lenses, disposable-spherical 100%
› Contact lenses, rigid 100%
› Frames set benefit up to $350.00
StateFamily TypeExample BenefitGeneral Optical Providers:
› Standard single vision lenses 80% up to $113.20
› Standard progressive lenses 80% up to $276.00
› Contact lenses, disposable-spherical 80% up to $134.40
› Contact lenses, rigid 80% up to $249.60
› Frames set benefit up to $350.00
At OPSM and Laubman & Pank:
› Standard single vision lenses 100%
› Standard progressive lenses 100%
› Contact lenses, disposable-spherical 100%
› Contact lenses, rigid 100%
› Frames set benefit up to $350.00
StateFamily TypeExample BenefitGeneral Optical Providers:
› Standard single vision lenses 80% up to $109.45
› Standard progressive lenses 80% up to $258.20
› Contact lenses, disposable-spherical 80% up to $134.40
› Contact lenses, rigid 80% up to $249.60
› Frames set benefit up to $350.00
At OPSM and Laubman & Pank:
› Standard single vision lenses 100%
› Standard progressive lenses 100%
› Contact lenses, disposable-spherical 100%
› Contact lenses, rigid 100%
› Frames set benefit up to $350.00
Chiropractic
- ChiropracticAnnual maximum per person:$700 CombinedRollover maximum per person:$1400 combinedWaiting Period:2 monthsCombined limit for chiropractic, acupuncture, remedial massage, Chinese medicine, osteopathy & other services.Rollover Maximum available after 12 months membership with extras cover, except major dental which requires 2 years of membership.StateFamily TypeExample Benefit
› Initial consult 80% up to $88.70
› Subsequent consult 80% up to $57.00
StateFamily TypeExample Benefit› Initial consult 80% up to $88.70
› Subsequent consult 80% up to $57.00
StateFamily TypeExample Benefit› Initial consult 80% up to $92.00
› Subsequent consult 80% up to $57.70
StateFamily TypeExample Benefit› Initial consult 80% up to $83.70
› Subsequent consult 80% up to $55.20
StateFamily TypeExample Benefit› Initial consult 80% up to $80.90
› Subsequent consult 80% up to $50.80
StateFamily TypeExample Benefit› Initial consult 80% up to $78.80
› Subsequent consult 80% up to $51.00
StateFamily TypeExample Benefit› Initial consult 80% up to $82.80
› Subsequent consult 80% up to $53.30
StateFamily TypeExample Benefit› Initial consult 80% up to $81.80
› Subsequent consult 80% up to $55.20
Acupuncture
- AcupunctureAnnual maximum per person:$700 combinedRollover maximum per person:$1400 combinedWaiting Period:2 monthsCombined limit for chiropractic, acupuncture, remedial massage, Chinese medicine, osteopathy & other services.Rollover Maximum available after 12 months membership with extras cover, except major dental which requires 2 years of membership.StateFamily TypeExample Benefit
› Initial consult 80% up to $87.40
› Subsequent consult 80% up to $74.50
StateFamily TypeExample Benefit› Initial consult 80% up to $87.40
› Subsequent consult 80% up to $74.50
StateFamily TypeExample Benefit› Initial consult 80% up to $92.00
› Subsequent consult 80% up to $80.40
StateFamily TypeExample Benefit› Initial consult 80% up to $82.80
› Subsequent consult 80% up to $74.50
StateFamily TypeExample Benefit› Initial consult 80% up to $82.80
› Subsequent consult 80% up to $69.00
StateFamily TypeExample Benefit› Initial consult 80% up to $82.80
› Subsequent consult 80% up to $79.10
StateFamily TypeExample Benefit› Initial consult 80% up to $98.40
› Subsequent consult 80% up to $78.20
StateFamily TypeExample Benefit› Initial consult 80% up to $92.00
› Subsequent consult 80% up to $73.60
Osteopathy
- OsteopathyAnnual maximum per person:$700 combinedRollover maximum per person:$1400 combinedWaiting Period:2 monthsCombined limit for chiropractic, acupuncture, remedial massage, Chinese medicine, osteopathy & other services.Rollover Maximum available after 12 months membership with extras cover, except major dental which requires 2 years of membership.StateFamily TypeExample Benefit
› Initial consult 80% up to $103.00
› Subsequent consult 80% (16-30mins) up to $86.10
StateFamily TypeExample Benefit› Initial consult 80% up to $103.00
› Subsequent consult 80% (16-30mins) up to $86.10
StateFamily TypeExample Benefit› Initial consult 80% up to $100.70
› Subsequent consult 80% (16-30mins) up to $87.40
StateFamily TypeExample Benefit› Initial consult 80% up to $99.30
› Subsequent consult 80% (16-30mins) up to $88.80
StateFamily TypeExample Benefit› Initial consult 80% up to $104.80
› Subsequent consult 80% (16-30mins) up to $80.90
StateFamily TypeExample Benefit› Initial consult 80% up to $95.20
› Subsequent consult 80% (16-30mins) up to $81.00
StateFamily TypeExample Benefit› Initial consult 80% up to $96.60
› Subsequent consult 80% (16-30mins) up to $79.60
StateFamily TypeExample Benefit› Initial consult 80% up to $96.60
› Subsequent consult 80% (16-30mins) up to $86.40
Complementary Therapies
- Complementary TherapiesAnnual maximum per person:$700 combinedRollover maximum per person:$1400 combinedWaiting Period:2 monthsFor Chinese Medicine, Remedial Massage Therapy, Remedial Therapy, and Myotherapy.Combined limit for chiropractic, acupuncture, remedial massage, Chinese medicine, osteopathy & other services.Family TypeExample Benefit› Therapies consult $25
Physiotherapy
- PhysiotherapyAnnual maximum per person:$850 combined limit.Rollover maximum per person:$1700 Combined limitWaiting Period:2 monthsCombined Annual Maximum for physiotherapy and exercise physiology per person.Rollover Maximum available after 12 months membership with extras cover, except major dental which requires 2 years of membership.StateFamily TypeExample Benefit
› Initial consult 80% up to $94.70
› Subsequent consult 80% up to $80.90
StateFamily TypeExample Benefit› Initial consult 80% up to $94.70
› Subsequent consult 80% up to $80.90
StateFamily TypeExample Benefit› Initial consult 80% up to $105.80
› Subsequent consult 80% up to $82.80
StateFamily TypeExample Benefit› Initial consult 80% up to $92.00
› Subsequent consult 80% up to $81.80
StateFamily TypeExample Benefit› Initial consult 80% up to $80.00
› Subsequent consult 80% up to $68.80
StateFamily TypeExample Benefit› Initial consult 80% up to $94.70
› Subsequent consult 80% up to $83.70
StateFamily TypeExample Benefit› Initial consult 80% up to $87.40
› Subsequent consult 80% up to $75.80
StateFamily TypeExample Benefit› Initial consult 80% up to $86.40
› Subsequent consult 80% up to $74.50
Exercise Physiology
- Exercise PhysiologyAnnual maximum per person:$850 combined limit.Rollover maximum per person:$1700 Combined limitWaiting Period:2 monthsCombined Annual Limit for physiotherapy and exercise physiology per personRollover Maximum available after 12 months membership with extras cover, except major dental which requires 2 years of membership.StateFamily TypeExample Benefit
› Initial consult 80% up to $89.20
› Subsequent consult 80% up to $67.10
StateFamily TypeExample Benefit› Initial consult 80% up to $89.20
› Subsequent consult 80% up to $67.10
StateFamily TypeExample Benefit› Initial consult 80% up to $82.80
› Subsequent consult 80% up to $66.70
StateFamily TypeExample Benefit› Initial consult 80% up to $92.00
› Subsequent consult 80% up to $61.20
StateFamily TypeExample Benefit› Initial consult 80% up to $87.40
› Subsequent consult 80% up to $57.90
StateFamily TypeExample Benefit› Initial consult 80% up to $86.20
› Subsequent consult 80% up to $64.40
StateFamily TypeExample Benefit› Initial consult 80% up to $87.40
› Subsequent consult 80% up to $69.00
StateFamily TypeExample Benefit› Initial consult 80% up to $87.40
› Subsequent consult 80% up to $66.70
Speech Therapy
- Speech TherapyAnnual maximum per person:$850Rollover maximum per person:$1700Waiting Period:2 monthsRollover Maximum available after 12 months membership with extras cover, except major dental which requires 2 years of membership.StateFamily TypeExample Benefit
› Initial consult (46-90 mins) 80% up to $138.00
› Subsequent consult (46-90 mins) 80% up to $133.40
StateFamily TypeExample Benefit› Initial consult (46-90 mins) 80% up to $138.00
› Subsequent consult (46-90 mins) 80% up to $133.40
StateFamily TypeExample Benefit› Initial consult (46-90 mins) 80% up to $147.20
› Subsequent consult (46-90 mins) 80% up to $138.00
StateFamily TypeExample Benefit› Initial consult (46-90 mins) 80% up to $138.00
› Subsequent consult (46-90 mins) 80% up to $115.00
StateFamily TypeExample Benefit› Initial consult (46-90 mins) 80% up to $138.00
› Subsequent consult (46-90 mins) 80% up to $138.00
StateFamily TypeExample Benefit› Initial consult (46-90 mins) 80% up to $138.00
› Subsequent consult (46-90 mins) 80% up to $138.00
StateFamily TypeExample Benefit› Initial consult (46-90 mins) 80% up to $138.00
› Subsequent consult (46-90 mins) 80% up to $142.60
StateFamily TypeExample Benefit› Initial consult (46-90 mins) 80% up to $138.00
› Subsequent consult (46-90 mins) 80% up to $115.20
Occupational Therapy
- Occupational TherapyAnnual maximum per person:$600Rollover maximum per person:$1200Waiting Period:2 monthsRollover Maximum available after 12 months membership with extras cover, except major dental which requires 2 years of membership.StateFamily TypeExample Benefit
› Initial consult (76-90 mins) 80% up to $165.60
› Subsequent consult (under 30 mins) 80% up to $92.00
› Subsequent consult (over 30 mins) 80% up to $133.40
StateFamily TypeExample Benefit› Initial consult (76-90 mins) 80% up to $165.50
› Subsequent consult (under 30 mins) 80% up to $92.00
› Subsequent consult (over 30 mins) 80% up to $133.40
StateFamily TypeExample Benefit› Initial consult (76-90 mins) 80% up to $165.60
› Subsequent consult (under 30 mins) 80% up to $92.00
› Subsequent consult (over 30 mins) 80% up to $138.00
StateFamily TypeExample Benefit› Initial consult (76-90 mins) 80% up to $165.60
› Subsequent consult (under 30 mins) 80% up to $92.00
› Subsequent consult (over 30 mins) 80% up to $147.20
StateFamily TypeExample Benefit› Initial consult (76-90 mins) 80% up to $165.60
› Subsequent consult (under 30 mins) 80% up to $73.60
› Subsequent consult (over 30 mins) 80% up to $142.60
StateFamily TypeExample Benefit› Initial consult (76-90 mins) 80% up to $165.60
› Subsequent consult (under 30 mins) 80% up to $82.80
› Subsequent consult (over 30 mins) 80% up to $128.80
StateFamily TypeExample Benefit› Initial consult (76-90 mins) 80% up to $165.60
› Subsequent consult (under 30 mins) 80% up to $75.40
› Subsequent consult (over 30 mins) 80% up to $138.00
StateFamily TypeExample Benefit› Initial consult (76-90 mins) 80% up to $165.60
› Subsequent consult (under 30 mins) 80% up to $73.60
› Subsequent consult (over 30 mins) 80% up to $115.00
Eye Therapy
- Eye TherapyAnnual maximum per person:$600Rollover maximum per person:$1200Waiting Period:2 monthsRollover Maximum available after 12 months membership with extras cover, except major dental which requires 2 years of membership.StateFamily TypeExample Benefit
› Initial consult 80% up to $55.20
› Subsequent consult (<30 mins) 80% up to $46.00
StateFamily TypeExample Benefit› Initial consult 80% up to $55.20
› Subsequent consult (<30 mins) 80% up to $46.00
StateFamily TypeExample Benefit› Initial consult 80% up to $55.20
› Subsequent consult (<30 mins) 80% up to $46.00
StateFamily TypeExample Benefit› Initial consult 80% up to $55.20
› Subsequent consult (<30 mins) 80% up to $46.00
StateFamily TypeExample Benefit› Initial consult 80% up to $55.20
› Subsequent consult (<30 mins) 80% up to $46.00
StateFamily TypeExample Benefit› Initial consult 80% up to $55.20
› Subsequent consult (<30 mins) 80% up to $46.00
StateFamily TypeExample Benefit› Initial consult 80% up to $55.20
› Subsequent consult (<30 mins) 80% up to $46.00
StateFamily TypeExample Benefit› Initial consult 80% up to $55.20
› Subsequent consult (<30 mins) 80% up to $46.00
Dietary
- DietaryAnnual maximum per person:$600Rollover maximum per person:$1200Waiting Period:2 monthsRollover Maximum available after 12 months membership with extras cover, except major dental which requires 2 years of membership.StateFamily TypeExample Benefit
› Initial consult 80% up to $119.60
› Subsequent consult 80% up to $69.00
StateFamily TypeExample Benefit› Initial consult 80% up to $119.60
› Subsequent consult 80% up to $69.00
StateFamily TypeExample Benefit› Initial consult 80% up to $115.00
› Subsequent consult 80% up to $64.40
StateFamily TypeExample Benefit› Initial consult 80% up to $110.40
› Subsequent consult 80% up to $69.00
StateFamily TypeExample Benefit› Initial consult 80% up to $119.60
› Subsequent consult 80% up to $64.40
StateFamily TypeExample Benefit› Initial consult 80% up to $124.20
› Subsequent consult 80% up to $64.40
StateFamily TypeExample Benefit› Initial consult 80% up to $115.00
› Subsequent consult (<30 mins) 80% up to $64.40
StateFamily TypeExample Benefit› Initial consult 80% up to $119.60
› Subsequent consult 80% up to $69.00
Podiatry
- PodiatryAnnual maximum per person:$700Rollover maximum per person:$1400Waiting Period:2 monthsRollover Maximum available after 12 months membership with extras cover, except major dental which requires 2 years of membership.StateFamily TypeExample Benefit
› Initial consult 80% up to $75.00
› Subsequent consult 80% up to $62.50
StateFamily TypeExample Benefit› Initial consult 80% up to $75.00
› Subsequent consult 80% up to $62.50
StateFamily TypeExample Benefit› Initial consult 80% up to $77.00
› Subsequent consult 80% up to $66.20
StateFamily TypeExample Benefit› Initial consult 80% up to $73.60
› Subsequent consult 80% up to $64.70
StateFamily TypeExample Benefit› Initial consult 80% up to $74.50
› Subsequent consult 80% up to $63.40
StateFamily TypeExample Benefit› Initial consult 80% up to $75.00
› Subsequent consult 80% up to $61.10
StateFamily TypeExample Benefit› Initial consult 80% up to $75.20
› Subsequent consult 80% up to $68.70
StateFamily TypeExample Benefit› Initial consult 80% up to $78.00
› Subsequent consult 80% up to $65.60
Psychology
- PsychologyAnnual maximum per person:$850 Combined LimitRollover maximum per person:$1700 Combined limitWaiting Period:2 monthsCombined Annual Maximum for psychology and counselling per person.Rollover Maximum available after 12 months membership with extras cover, except major dental which requires 2 years of membership.Family TypeExample Benefit
› Initial and subsequent consult 80% up to $237.30
Counselling
- CounsellingAnnual maximum per person:$850 combined limit.Rollover maximum per person:$1700 Combined limitWaiting Period:2 monthsCombined Annual Maximum for psychology and counselling per person.Rollover Maximum available after 12 months membership with extras cover, except major dental which requires 2 years of membership.Family TypeExample Benefit
› Initial and subsequent consult 80% up to $115.00
StateFamily TypeExample Benefit› Initial and subsequent consult 80% up to $110.40
StateFamily TypeExample Benefit› Initial and subsequent consult 80% up to $101.20
StateFamily TypeExample Benefit› Initial and subsequent consult 80% up to $92.00
StateFamily TypeExample Benefit› Initial and subsequent consult 80% up to $92.00
StateFamily TypeExample Benefit› Initial and subsequent consult 80% up to $110.40
StateFamily TypeExample Benefit› Initial and subsequent consult 80% up to $101.20
Ambulance
- AmbulanceAnnual maximum per person:UnlimitedRollover maximum per person:N/AWaiting Period:2 monthsExcludes ambulance services covered by a third party arrangement such as a State/Territory government ambulance scheme or ambulance subscription. Only the ambulance services described under “Example Benefits” are payable and ambulance service providers must be recognised by Emergency Services Health.Covered for emergency transport, clinically required non-emergency transport, and treatment not requiring transport.Family TypeExample Benefit
Covered for emergency transport, clinically required non-emergency transport, and treatment not requiring transport.
Pharmaceutical
- PharmaceuticalAnnual maximum per person:$600Rollover maximum per person:$1200Waiting Period:2 monthsAvailable at any recognised pharmacy.Rollover Maximum available after 12 months membership with extras cover, except major dental which requires 2 years of membership.Family TypeExample Benefit
- Excludes government subsidised PBS prescriptions
- Per script up to $60 after you pay the first $23.00 Note: While many medicines are covered, some are not. Your initial $23 may increase for dispensing greater than the maximum standard packaged quantity.
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School Accident
- School AccidentAnnual maximum per person:$500Rollover maximum per person:N/AWaiting Period:2 monthsFamily TypeExample Benefit
Additional benefits apply to clinically required services resulting from an accident whilst at or travelling to or from school (some restrictions apply) 100%
Health Appliances
- Health AppliancesAnnual maximum per person:Various Limits apply see belowRollover maximum per person:N/AWaiting Period:12 monthsIf you hold Extras with us for continuous ten years, Hearing Aid 5 year limits increase to $1800 per person on your policy.Doctor's referral may be required for appliancesFamily TypeExample Benefit
- Hearing aids 80% up to $1,200, every 5 years
- Nebulisers 80% up to $200.00, 1 unit every 3 years
- Blood glucose monitors 80% up to $250.00, 1 unit every 3 years
- Blood coagulation monitor (INR) 80% up to $400.00, 1 unit every 3 years