Police Health's SureCover Extras covers a broad range of non-hospital paramedical services that are not covered by Medicare, including dental, glasses & contact lenses, physiotherapy and other therapies. This is also known as `general treatment', 'extras' or 'ancillary' cover. Police Health offers only the best of the best, so you can rest assured that SureCover Extras is a quality cover giving you the most in benefits for value.
With Police Health SureCover Extras you are covered for an extensive range of health services at highly competitive premiums. Few health insurers can match our extras benefits for value or number of services available.
You won't be left wondering how much your health insurer will repay on your extras claims. For the majority of services*, Police Health pays a generous 80% of the cost. Refer to Benefits Limits below.
* Police Health only pays benefits for extras services by providers recognised by Police Health who are in private practice in Australia. If you wish to ensure that your provider is recognised and covered by Police Health, try using our provider search or contact us prior to treatment. Please note not all recognised providers are published on the search engine if you can not find a provider please contact Police Health, on 1800 603 603.
Annual Maximums & our exclusive Rollover Benefit
The generous Annual Maximums shown on this page are based on calendar year allowances per person unless stated otherwise. On many of these Annual Maximums, we will give you up to two calendar years in which to use them. We call this our Rollover Benefit which allows members to carry unused Annual Maximums, into the next calendar year.
Effectively the Rollover Benefit increases the maximum benefits you can claim in a calendar year by giving you access to unused Annual Maximums remaining from the previous year. Claims are always paid from the relevant service year's Annual Maximums before accessing your Rollover Benefit. If an Annual Maximum is reached in any calendar year, there will be no Rollover Benefit available for the next calendar year.
This highly valued benefit provides you with increased security; imagine your dentist tells you need two crowns! With Police Health you could have up to total of $2600 in benefits available in one calendar year when the Rollover Benefit is accessed. (Subject to years of membership).
For more information on the Rollover Benefit, please see our Rollover Benefit Page. If you wish to clarify whether you are eligible for a Rollover benefit, please give us a call 1800 603 603.
Limit to extras services
To provide equity for all members, limits may apply to some specific extras services relating to their frequency of use, or to the way they are combined with other services. However, this affects very few members because Police Health's restrictions are often far less onerous than those of many other funds. Contact us if you have any queries.
Benefits limit to extras services
Generally health funds have benefit limits for individual services based on what they see as their average charge. However, Police Health recognises charges up to 15% higher than our calculated average, thus ensuring that members do receive a true 80% rebate for the vast majority of health services in most cases.
If your charges are more than 15% above Police Health's average fee, the benefit you receive will be less than 80% of your cost. Our 80% benefit applies to the net amount payable on any account, inclusive of any discounts the provider might be offering at the time.
Waiting periods may apply for further information go to Important Information.