Extras
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General Dental
(includes check-ups, x-rays, simple extractions, fillings and root canal)
Oral Exam (2 every calendar year)
Waiting period
2 monthsAnnual maximum per person
UnlimitedRollover maximum per person
N/A
For examples of benefits paid, please refer to page 4-5 of our State Premiums & Benefits Guide -
Major Dental
(includes crowns and dentures)
Waiting period
12 monthsAnnual maximum per person
$1500Rollover maximum per person*
$3000*For examples of benefits paid, please refer to page 6 of our State Premiums & Benefits Guide
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Orthodontic
Waiting period
12 monthsAnnual maximum per person
$1500
Lifetime limit
$3000Rollover maximum per person
N/AFor examples of benefits paid, please refer to page 6 of our State Premiums & Benefits Guide
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Optical
Waiting period
2 monthsAnnual maximum per person
$350Rollover maximum per person*
$700For examples of benefits paid, please refer to page 6 of our State Premiums & Benefits Guide
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Physiotherapy
Waiting period
2 monthsAnnual maximum per person
$850 combined with Exercise PhysiologyRollover maximum per person
$1700 combined with Exercise PhysiologyFor examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide
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Exercise Physiology
Waiting period
2 monthsAnnual maximum per person
$850 combined with PhysiotherapyRollover maximum per person
$1700 combined with PhysiotherapyFor examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide
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Chiropractic
Waiting period
2 monthsAnnual maximum per person
$700 combined limit with Chiropractic, Acupuncture, Osteopathy and Complementary Therapies.Rollover maximum per person
$1400 combined limit with Chiropractic, Acupuncture, Osteopathy and Complementary Therapies.For examples of benefits paid, please refer to page 6 of our State Premiums & Benefits Guide
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Acupuncture
Waiting period
2 monthsAnnual maximum per person
$700 combined limit with Chiropractic, Acupuncture, Osteopathy and Complementary Therapies.Rollover maximum per person
$1400 combined limit with Chiropractic, Acupuncture, Osteopathy and Complementary Therapies.For examples of benefits paid, please refer to page 6 of our State Premiums & Benefits Guide
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Osteopathy
Waiting period
2 monthsAnnual maximum per person
$700 combined limit with Chiropractic, Acupuncture, Osteopathy and Complementary Therapies.Rollover maximum per person
$1400 combined limit with Chiropractic, Acupuncture, Osteopathy and Complementary Therapies.For examples of benefits paid, please refer to page 6 of our State Premiums & Benefits Guide
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Complementary Therapies
Waiting period
2 monthsAnnual maximum per person
$700 combined limit with Chiropractic, Acupuncture, Osteopathy and Complementary Therapies.Rollover maximum per person
$1400 combined limit with Chiropractic, Acupuncture, Osteopathy and Complementary Therapies.For examples of benefits paid, please refer to page 6 of our State Premiums & Benefits Guide
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Speech Therapy
Waiting period
2 monthsAnnual maximum per person
$850Rollover maximum per person*
$1700For examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide
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Occupational Therapy
Waiting period
2 monthsAnnual maximum per person
$600Rollover maximum per person*
$1200For examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide
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Eye Therapy
Waiting period
2 monthsAnnual maximum per person
$600Rollover maximum per person*
$1200For examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide
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Dietary
Waiting period
2 monthsAnnual maximum per person
$600Rollover maximum per person*
$1200For examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide
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Podiatry
Waiting period
2 monthsAnnual maximum per person
$700Rollover maximum per person*
$1400For examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide
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Psychology
Waiting period
2 monthsAnnual maximum per person
$850 Psychology combined with CounsellingRollover maximum per person
$1700 Psychology combined with CounsellingFor examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide
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Counselling
Waiting period
2 monthsAnnual maximum per person
$850 Psychology combined with CounsellingRollover maximum per person
$1700 Psychology combined with CounsellingFor examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide
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Ambulance
Waiting period
2 months*Annual maximum per person
UnlimitedRollover maximum per person
N/A
*Waiting periods do not apply to benefits for treatments in relation to accidents.For examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide
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Pharmaceutical
Available at any recognised pharmacy
Waiting period
2 monthsAnnual maximum per person
$600Rollover maximum per person*
$1200For examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide
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School Accident
Waiting period
2 monthsAnnual maximum per person
$500Rollover maximum per person
N/AFor examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide
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Health Appliances
Doctor’s referral may be required for some appliances.
Waiting period
12 monthsAnnual maximum per person
Various limits apply. See below link.Rollover maximum per person
N/AFor annual maximums and examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide
More info on Extras
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What's covered?
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What isn't covered?
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Annual Maximum
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Rollover Benefit*
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Waiting periods
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Limits to services
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Benefits limit
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Pharmaceutical benefits
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Important information about Complementary Therapies
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Recognised health providers