Young Extras

Tailor made to keep premiums low but the benefits high. Purchase on its own or package with one of our Hospital Cover options.

Young Extras is designed as a great entry-level extras cover. It gives you cover for a broad range of services and a good level of benefits with limits on a per person, per policy basis. Young Extras can be purchased as a standalone extras cover or packaged with hospital cover.

Best suited for young singles and young couples.

Features:

  • Best suited for young people under the age of 30
  • Generous annual limits for dental and optical services
  • Cover for a wide range of alternative therapies, including remedial massage and podiatry
  • Competitive premiums
  • Can be purchased as a stand-alone extras product, or package it with one of our hospital cover options

How benefits work

Overall limits apply to dental, orthodontics, optical, therapies and other services. Sub-limits apply to certain services. All limits are on a per person, per policy basis.

The following services are not covered under Young Extras:

  • Orthodontics
  • Prosthodontics (dentures)
  • Endodontics (root canal therapy)
  • Periodontics (gum treatments)
  • 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 Premium or Essential Extras Covers. 

What you're covered for

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General and limited major dental

$500 overall limit
Services covered Sub-limit per person per Membership year
Crowns and bridges
$500 (combined)

12 month waiting period applies

Example benefits paid
Full veneered crown $500

A combined sub-limit of $500 per person, per Membership year applies for general and major dental items covered under Young Extras (up to $1,000 per policy).

Diagnostic dental
$500 (combined)

2 month waiting period applies

Includes services like examinations, consultations and x-rays.

Example benefits paid
Periodic oral exam $38
X-rays $24

A combined sub-limit of $500 per person, per Membership year applies for general and major dental items covered under Young Extras (up to $1,000 per policy).

Extractions
$500 (combined)

2 month waiting period applies

Simple extractions

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

Example benefits paid
Simple tooth extraction $79

Surgical extractions

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 $135

A combined sub-limit of $500 per person, per Membership year applies for general and major dental items covered under Young Extras (up to $1,000 per policy).

Fillings
$500 (combined)

2 month waiting period applies

Restorative dental treatments including composite and amalgam fillings.

Example benefits paid
One surface composite filling $68

A combined sub-limit of $500 per person, per Membership year applies for general and major dental items covered under Young Extras (up to $1,000 per policy).

General services
$500 (combined)

Includes services such as occlusal splints.

2 month waiting period applies

Example benefits paid
Occlusal splits $225

A combined sub-limit of $500 per person, per Membership Year applies for general and major dental items covered under Young Extras (up to $1,000 per policy per Membership Year).

Preventive dental
$500 (combined)

2 month waiting period applies

Includes cleaning and scaling, fluoride treatment and mouth guards.

Example benefits paid
Scale and clean $63
Fluoride treatment $17
Mouth guard (limited to one per person per Membership Year) $113

A combined sub-limit of $500 per person, per Membership year applies for general and major dental items covered under Young Extras (up to $1,000 per policy).

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Optical

$210 overall limit
Services covered Sub-limit per person per Membership year
Glasses and contact lenses
$210

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 $210

Total benefit for optical items or services under Young Extras is limited to a maximum of $210 per person, per Membership year (up to $420 per policy).

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

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Therapies

$500 overall limit
Services covered Sub-limit per person per Membership year
Acupuncture
$300

2 month waiting period applies

Example benefits paid
Initial and subsequent consultation $30

Benefits are payable for services rendered by Australian Regional Health Group approved providers registered with Queensland Country Health Fund.

A $300 sub-limit applies per therapy under Young Extras cover, and a combined sub-limit of $500 per person per Membership year (up to $1,000 per policy) also applies to all therapies covered by Young Extras (except physiotherapy).

Chiropractic
$300

2 month waiting period applies

Example benefits paid
Chiropractic initial visit $42
Chiropractic subsequent visit $30
X-rays (not for reading of X-rays) $50

A $300 sub-limit applies per therapy under Young Extras cover, and a combined sub-limit of $500 per person per Membership year (up to $1,000 per policy) also applies to all therapies covered by Young Extras (except physiotherapy).

Chinese Medicine
$300

2 month waiting period applies

Example benefits paid
Initial consultation $30
Subsequent consultation $30

A $300 sub-limit applies per therapy under Young Extras cover, and a combined sub-limit of $500 per person per Membership year (up to $1,000 per policy) also applies to all therapies covered by Young Extras (except physiotherapy).

Dietitian
$300

2 month waiting period applies

Example benefits paid
Initial consultation $55
Subsequent consultation $35

A $300 sub-limit applies per therapy under Young Extras cover, and a combined sub-limit of $500 per person per Membership year (up to $1,000 per policy) also applies to all therapies covered by Young Extras (except physiotherapy).

Osteopathy
$300

2 month waiting period applies

Example benefits paid
Initial consultation $30
Subsequent consultation $30

A $300 sub-limit applies per therapy under Young Extras cover, and a combined sub-limit of $500 per person per Membership year (up to $1,000 per policy) also applies to all therapies covered by Young Extras (except physiotherapy).

Podiatry
$300

2 month waiting period applies

Example benefits paid
Initial and subsequent consultation $30
Approved appliances (orthotics) 85% of cost up to sub-limit
Minor procedures 75% of cost up to sub-limit

A $300 sub-limit applies per therapy under Young Extras cover, and a combined sub-limit of $500 per person per Membership year (up to $1,000 per policy) also applies to all therapies covered by Young Extras (except physiotherapy).

Remedial massage/myotherapy
$300 (combined)^

2 month waiting period applies

Example benefits paid
Consultation $30

For services rendered by Australian Regional Health Group approved providers registered with Queensland Country Health Fund. 

^ A $300 sub-limit applies per therapy under Young Extras cover, and a combined sub-limit of $500 per person per Membership Year (up to $1,000 per policy) also applies to all therapies covered by Young Extras (except physiotherapy).

Physiotherapy
$400

2 month waiting period applies

Example benefits paid
Inital consultation $42
Subsequent consultation $32
Group therapy $8

A $120 combined sub-limit for group therapy services provided under physiotherapy.

A $400 sub-limit per person, per Membership year applies for physiotherapy under Young Extras cover (up to $800 per policy).

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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 Up to $125

*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. A sub-limit of $125 per person, per Membership Yyear (to up $250 per policy) applies to Healthy Living benefits under Young Extras cover.

Pharmaceutical
$150

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.

Queensland Country doesn't cover pharmaceutical prescriptions covered by the PBS or for contraceptives and items normally available without prescriptions. Prescriptions not covered by the PBS, excluding contraceptives and items normally available without prescription and drugs not approved for sale in Australia. A co-payment applies to each prescription item equal to the current PBS.

We’ll pay benefits as outlined in the Extras table up to the claim limit for this category, with consideration to the maximum individual script benefit limit. The benefit amount per script is calculated by deducting the PBS general patient contribution amount from the purchase price (up to script benefit limit). 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 meet this criteria.

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 $45

A sub-limit of $150 per person, per Membership year (up to $300 per policy) applies to pharmaceuticals under Young Extras cover.