Essential Extras

Our Essential Extras cover provides an affordable yet comprehensive range of therapies and benefits. Essential extras has lower limits, but offers you a lower premium.

Essential Extras can only be purchased in conjunction with a hospital cover option.

Why choose Essential Extras?

  • Excellent cover for a range of extras
  • Benefits paid on 13 different health services
  • Exactly the same services as our top extras cover
  • Lower limits means your premiums stay lower
  • Able to combine with hospital cover for complete peace of mind

View and print a full product summary for Essential Extras Cover.

Services and benefits

In the below table, we've listed the services and benefits payable under our Essential Extras option.

Please note:

  • Dental: $900 overall limit per membership year. Limit applies per person covered.
  • Therapies: $900 overall limit per membership year. Limit applies per person covered.
Type of serviceWaiting periodSub limit
per year per person covered unless otherwise specified
What we'll pay
Dental   
An overall limit of $900 per person per membership year applies for all dental services (excluding orthodontic services which has separate claim limits). Sub-limits apply.
Diagnostic
E.g. examinations, consultations, x-rays etc.
2 months$400Periodic oral exam - $32
X-rays - $21
Preventative
E.g. cleaning and scaling
2 months$500Scale & clean - $53
Fluoride treatment - $15
Mouthguards $105
Periodontics
E.g. specialised gum treatment
12 months$300 
Simple extraction2 months$400Simple extraction - $74
Surgical extraction - $126
Surgical extraction
E.g. wisdom teeth extraction, removal of impacted teeth
12 months
Endodontic
E.g. root canal therapy and root fillings
12 months$350Root canal obturation, one canal $119
Restorative
E.g. composite and amalgam fillings
2 months$500One surface composite
filling - $63
Crowns/bridges12 months$550
(accumulating to $1,000 after two years of membership)
Full veneered crown - $550
Prosthodontics
E.g. dentures etc.
12 months$500Full upper and lower
denture - $350
General services
E.g. occlusal splints
2 months$300Occlusal splints - $210
Orthodontics
Orthodontics, braces etc.12 months$500
(increasing to $1,000 after 2 years' membership, $1,500 after 3 years' membership^. $1,500 Lifetime Limit)
Benefits are paid at 50% of cost
Optical   
Single vision spectacles
Bifocal spectacles
Multifocal spectacles
Contact lenses (hard or soft)
Repairs to frames
Spectacle frames only
Replacement lenses
2 monthsTotal benefit for optical items or services is limited to a maximum of $200 per person, per membership year
Therapies2 months  
$900 overall benefit limit applies per person per membership year for all therapy services. Sub limits may apply.
Acupuncture
Initial and subsequent consultation
2 months 
$25
Audiology
Initial consultation and subsequent consultation

Report
2 months 
$35


$42
Chiropractic
Initial consultation and subsequent consultation

X-rays (not for reading of x-rays)
2 monthsA $500 combined limit applies to these three therapies
$25

$50
Massage Therapy/Bowen Therapy/
Myotherapy*

Initial and subsequent consultation
2 months

$25
Osteopathy
Initial consultation

Subsequent consultation
2 months
$28

$25
Naturopathy/Homeopathy
Initial and subsequent consultation
2 months 
$25
Dietician
Initial consultation

Subsequent consultation
2 months 
$53

$28
Foot orthoses and orthopaedic shoes2 months$10085% of cost
Occupational therapy
Initial consultation

Subsequent consultation
2 months 
$56

$28
Orthoptic therapy
Initial and subsequent consultation
2 months 
$42
Physiotherapy
Initial consultation

Subsequent consultation

Group therapy (sub-limits apply)
2 months

A $500 combined limit applies to these two therapies.

Group therapy   sub-limit $70.





 


$39

$28

$7
Exercise physiology**
Initial consultation

Subsequent consultation

Group therapy fee
2 months
$35

$25

$7
Podiatry
Initial and subsequent consultation

Approved appliances (orthotics)

Minor procedures
2 months$400
$28

85% of cost
(up to sub-limit)
75% of cost
Psychology
Initial and subsequent consultation

Report

Group therapy
2 months 
$56

$56

$56
Speech therapy
Initial consultation

Subsequent consultation
2 months 
$49

$25
Other services   
Childbirth education12 months $42
Pharmaceutical2 months$300Up to $30
School accidents2 months$450100%
Healthy living2 months$125
Per year per Membership
100%

* Benefits are only payable for services rendered by Australian Regional Health Group approved providers registered with Queensland Country Health Fund.
** There are specific requirements to claim for exercise physiology. Please contact the health fund for details.
^ Years of membership refers to the actual period of cover on Essential Extras product.

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