Premium Extras

Our Premium Extras cover offers you the same comprehensive range of therapies and benefits as our Essential Extras cover, but gives you generous limits on benefits, to minimise any out-of-pocket expenses to you.

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

Why choose Premium Extras?

  • Top cover for a range of extras
  • Benefits paid on 13 different health services
  • Generous limits
  • Able to combine with hospital cover for complete peace of mind

View and print a full product summary for Premium Extras.

Services and benefits

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

Please note:

  • Dental: $1,400 overall limit per membership year. Limit applies per person covered.
  • Therapies: $1,400 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 $1,400 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$600 Periodic oral exam - $45
X-rays - $30
Preventative
E.g. cleaning and scaling
2 months$800Scale & clean - $75
Fluoride treatment - $22
Mouthguards - $150
Periodontics
E.g. specialised gum treatment
12 months$500 
Simple extraction2 months$700Simple extraction - $105
Surgical extraction - $180
Surgical extraction
E.g. wisdom teeth extraction, removal of impacted teeth
12 months
Endodontic
E.g. root canal therapy and root fillings
12 months$600Root canal obturation, one canal $170
Restorative
E.g. Composite and amalgam fillings
2 months$800One surface composite
filling - $90
Crowns/bridges12 months$800
(accumulating to $1,500 after two years of Membership)
Full veneered crown - $800
Prosthodontics
E.g. dentures etc.
12 months$850Full upper and lower
denture - $850
General services
E.g. occlusal splints
2 months$500Occlusal splints - $300
Orthodontics
Orthodontics, braces etc.12 months$1,000
(increasing to $2,000 after 2 years' membership, $3,000 after 3 years' membership^. $3,000 Lifetime Limit)
Benefits are paid at 85% 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 $285 per person, per membership year
Therapies2 months  
$1,400 overall benefit limit applies per person per membership year for all therapy services. Sub limits may apply.
Acupuncture
Initial and subsequent consultation
2 months 
$35
Audiology
Initial consultation and subsequent consultation

Report
2 months 
$50


$60
Chiropractic
Initial consultation and subsequent consultation

X-rays (not for reading of X-rays)
2 monthsA $700 combined limit applies to these three therapies
$35


$60
Massage Therapy/Bowen Therapy/
Myotherapy*

Initial and subsequent consultation
2 months

$35
Osteopathy
Initial consultation

Subsequent consultation
2 months
$35

$35
Naturopathy/Homeopathy
Initial and subsequent consultation
2 months 
$35
Dietician
Initial consultation

Subsequent consultation
2 months 
$75

$40
Foot orthoses and orthopaedic shoes2 months$15085% of cost
Occupational therapy
Initial consultation

Subsequent consultation
2 months 
$80

$40
Orthoptic therapy
Initial and subsequent consultation
2 months 
$60
Physiotherapy
Initial consultation

Subsequent consultation

Group therapy (sub-limits apply)
2 months

A $700 combined limit applies to these two therapies.

Group therapy    sub-limit $100.





 


$55

$40

$10
Exercise physiology**
Initial consultation

Subsequent consultation

Monthly program fee

Group therapy 
2 months
$50

$35

$35

$10
Podiatry
Initial and subsequent consultation

Approved appliances (orthotics)

Minor procedures
2 months$600
$40

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

Report

Group therapy
2 months 
$80

$80

$80
Speech therapy
Initial consultation

Subsequent consultation
2 months 
$70

$35
Other services   
Childbirth education12 months $60
Pharmaceutical2 months$500Up to $50
School accidents2 months$750100%
Healthy living2 months$150
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 Premium Extras product.

Compare extras cover Get a quote