Select Extras

Great value benefits for only the most popular services. Purchase on its own or package with one of our hospital cover options.

Select Extras is a great choice for anyone that doesn’t want to pay for services they’re not likely to use. Select Extras provides great value benefits for only the most popular services with limits on a per person, per policy basis. Select Extras can be purchased as a stand-alone extras cover or packaged with one of our hospital covers.

Best suited for young singles, young couples and families with young children.

Features:

  • Cover for the most popular extras services
  • Generous annual limits for dental, optical and the
    most common therapies
  • Can be purchased as a stand-alone extras product,
    or package it with one of our hospital cover options

How benefits work

Select Extras has an overall benefit limit of $2,200 per
person, up to $4,400 per policy per Membership Year
for all benefits covered by Select Extras, including dental,
optical, therapies, pharmaceuticals and Healthy Living
benefits. Sub-limits apply. All limits are on a per person, per
policy basis.

The following services are not covered under Select Extras:

  • Orthodontics
  • Prosthodontics (dentures)
  • Osteopathy
  • Dietitian
  • Chinese Medicine 
  • Acupuncture
  • Exercise physiology
  • Audiology
  • Occupational therapy
  • Orthoptic therapy
  • Foot orthoses and orthopaedic shoes (orthoses and custom footwear)
  • Psychology
  • Speech therapy
  • Childbirth education
  • School accidents

If you'd like cover for these items you may like to review our Premium or Essential Extras Covers.

OVERALL SELECT EXTRAS LIMIT

Overall limit for ALL benefits payable under Select Extras (including dental, optical, therapies, pharmaceuticals and Healthy Living benefits) up to $2,200 per person $4,400 per policy per Membership Year. Sub-limits apply

What you're covered for

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General and major dental

Services covered Sub-limit per person per Membership year
Crowns and bridges
$600 (combined)*

12 month waiting period applies

Example benefits paid
Full veneered crown $560

* A combined sub-limit of $600 per person, per Membership Year applies for extractions, crowns and bridges and endodontic (root canal) dental items covered under Select Extras (up to $1,200 per policy per Membership Year).

An overall limit for all services covered by Select Extras applies, up to $2,200 per person ($4,400 per policy) per Membership year.

Diagnostic dental
$400 (combined)^

2 month waiting period applies

Includes services like examinations, consultations and x-rays.

Example benefits paid
Periodic oral exam $40
X-rays $25

^ A combined sub-limit of $400 per person, per Membership Year applies for diagnostic, preventative, restorative, simple extractions and general services dental items covered under Select Extras (up to $800 per policy per Membership Year).

An overall limit for all services covered by Select Extras applies, up to $2,200 per person ($4,400 per policy) per Membership year.

Fillings
$400 (combined)^

2 month waiting period applies

Restorative dental treatments including composite and amalgam fillings.

Example benefits paid
Filling/restoration $72

^ A combined sub-limit of $400 per person, per Membership Year applies for diagnostic, preventive, restorative, simple extraction and general services dental items covered under Select Extras (up to $800 per policy per Membership Year).

An overall limit for all services covered by Select Extras applies, up to $2,200 per person ($4,400 per policy) per Membership year.

General services
$400 (combined)^

2 month waiting period applies

Occlusal splints etc.

Occlusal splints
Occlusal splints $240

^ A combined sub-limit of $400 per person, per Membership Year applies for diagnostic, preventive, restorative, simple extraction and general services dental items covered under Select Extras (up to $800 per policy per Membership Year).

An overall limit for all services covered by Select Extras applies, up to $2,200 per person ($4,400 per policy) per Membership year.

Periodontics
$600 (combined)*

12 month waiting period appliesPeriodontics services such as specialised gum treatements.

Example benefits paid
Specialised gum treatments  

* A combined sub-limit of $600 per person, per Membership Year applies for extractions, crowns and bridges and endodontic (root canal) dental items covered under Select Extras (up to $1,200 per policy per Membership Year).

An overall limit for all services covered by Select Extras applies, up to $2,200 per person ($4,400 per policy) per Membership year.

Preventive dental
$400 (combined)^

2 month waiting period applies

Includes cleaning and scaling and fluoride treatments.

Example benefits paid
Scale and clean $67
Fluoride treatment $18
Mount guard (limited to one per person per Memmbership Year) $120

^ A combined sub-limit of $400 per person, per Membership Year applies for diagnostic, preventive, restorative, simple extraction and general services dental items covered under Select Extras (up to $800 per policy per Membership Year).

An overall limit for all services covered by Select Extras applies, up to $2,200 per person ($4,400 per policy) per Membership year.

Root canal treatment
$600 (combined)*

12 month waiting period appliesEndodontic services such as root canals and root fillings.

Example benefits paid
Root canal $119

* A combined sub-limit of $600 per person, per Membership Year applies for extractions, crowns and bridges and endodontic (root canal) dental items covered under Select Extras (up to $1,200 per policy per Membership Year).

An overall limit for all services covered by Select Extras applies, up to $2,200 per person ($4,400 per policy) per Membership year.

Simple extractions
$400 (combined limit)^

Teeth removal services. Simple extractions include those completed in a standard dental appointment.

EXAMPLE OF BENEFITS PAID  
Simple tooth extractions $84
Surgical extractions
$600 (combined)*

12 month waiting period applies

Surgical extractions include wisdom teeth extraction, removal of impacted teeth. Benefits paid on dental item numbers only unless hospital cover is held and all waits have been served for any in-patient services.

Example benefits paid
Surgical tooth extractions $126

A combined sub-limit of $600 per person, per Membership Year applies for extractions, crowns and bridges and endodontic (root canal) dental items covered under Select Extras (up to $1,200 per policy per Membership Year).

An overall limit for all services covered by Select Extras applies, up to $2,200 per person ($4,400 per policy) per Membership year.

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Optical

Services covered Sub-limit per person per Membership year
Glasses and contact lenses
$230

2 month waiting period applies

Glasses including frames, single vision lenses and progressive lenses, contact lenses, prescription sunglasses etc.

Example benefits paid
Optical items or services Up to $230^

^Per person, up to $460 per policy per Membership year.

Through our Premier Provider Network, you can take advantage of discounts at preferred providers across Australia.

An overall limit for all services covered by Select Extras applies, up to $2,200 per person ($4,400 per policy) per Membership year.

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Therapies

Services covered Sub-limit per person per Membership year
Chiropractic
$500

2 month waiting period applies

Example benefits paid
Chiropractic initial visit $44
Chiropractic subsequent visit $28

A $500 combined sub-limit per person, per Membership year applies to chiropractic and massage, up to $1,000 per policy. An overall benefit limit for all services covered by Select Extras applies, up to $2,200 per person ($4,400 per policy) per Membership year.

Physiotherapy
$500

2 month waiting period applies

Example benefits paid
Inital consultation $44
Subsequent consultation $32
Group therapy $8

A $500 sub-limit per person, per Membership year applies to physiotherapy under Select Extras cover (up to $1,000 per policy). An $120 sub-limit applies to group therapy.

An overall limit for all services covered by Select Extras applies, up to $2,200 per person ($4,400 per policy) per Membership year.

Podiatry
$400

2 month waiting period applies

Example benefits paid
Initial and subsequent consultation $32
Approved appliances (orthotics) 85% of cost up to sub-limit
Minor procedures 75% of cost up to sub-limit

A $400 sub-limit per person, per Membership year applies to podiatry under Select Extras (up to $800 per policy).

An overall limit for all services covered by Select Extras applies, up to $2,200 per person ($4,400 per policy) per Membership year.

Remedial massage and myotherapy
$500

Example benefits paid
Consultation $28

 

A $500 combined sub-limit per person, per Membership year applies to chiropractic and massage, up to $1,000 per policy. An overall benefit limit for all services covered by Select Extras applies, up to $2,200 per person ($4,400 per policy) per Membership year.

 

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Other services

Services covered Sub-limit per person per Membership year
Healthy living
$125

2 month waiting period applies

As well as helping you to get well, we want to help you stay well. Our Healthy Living benefit helps you living a healthy lifestyle through:

  • Participation in a choice of approved weight management programs^^
  • Quit smoking programs
  • Approved health management programs* including gym memberships, personal training programs, Aquatic exercise/rehabilitation* including pool entry and exercise classes (excludes swim classes/lessons)
  • Skin checks through mole mapping
  • Consultation fees for diabetes education
  • Consultation fees for metabolic dieticians and nutritionists when providing assistance with weight management
  • Bowel screening tests and bone density tests
  • PSA test (one per year) – we cover a second yearly test not covered by Medicare. 
Example benefits paid
Healthy Living benefits $125

A sub-limit of $125 per person, per Membership Year, up to $250 per policy, per Membership year applies under Select Extras cover.

An overall limit for all services covered by Select Extras applies, up to $2,200 per person ($4,400 per policy) per Membership Year.

*To comply with private health insurance legislation, you must have been referred by your health care professional to participate in a health management program to address or improve a specific medical condition. A Health Management Program Benefit Approval Form must accompany a claim for these benefits.

^^Before enrolling in a weight management program please contact the Fund to clarify the eligibility to benefits.

 

Pharmaceutical
$400

2 month waiting period applies

The Pharmaceutical Benefits Scheme (PBS) is a national pharmaceutical scheme funded by the Federal Government where patients contribute to the cost of prescribed drugs.

We’ll pay benefits as outlined in the extras table below, up to the individual script benefit limit for your cover. The benefit amount per script is calculated by deducting the PBS General Patient Contribution amount from the purchase price. This is conditional on the pharmaceutical prescription being listed in the MIMs Schedule as S4 or S8 and being dispensed in quantities in accordance with this schedule.

We also pay for compound pharmacy scripts, as long as one of the ingredients meets these criteria. The PBS General Patient Contribution amount is updated by the Government and changes every year on 1 January.

Queensland Country doesn’t cover pharmaceutical prescriptions covered by the PBS or for contraceptives and items normally available without prescriptions.

It’s important to note that a doctor’s letter may be required for some pharmacy items.

The PBS contribution amount is reviewed annually by the Government and changes every year on 1 January. As at 1 January 2019, the PBS contribution is set at $40.30.

Example benefits paid
Pharmaceuticals Up to $55

A sub-limit of $400 applies per person, per Membership year for phamaceuticals under Select Extras (up to $800 per policy).

An overall limit for all services covered by Select Extras applies, up to $2,200 per person ($4,400 per policy) per Membership year.