Which level of extras cover is right for you?

Extras insurance assists with the costs of services that occur out of hospital and which are not covered by Medicare such as physiotherapy, chiropractic, dental treatment and optical.

Defence Health offers two levels of extras cover - Top Extras and Standard Extras. A quick glance at the table below should help you compare. Please refer to the Top Extras or Standard Extras pages for detail.

 

Top Extras
per person limit*

Standard Extras
per person limit*

Ambulance treatment

Unlimited

Unlimited

Dental

$1,250

$400

Optical

$255

$150

Alternative therapies

$200

$150

Physiotherapy

$550

$450
Physiotherapy, Chiropractic & Osteopathic limit is combined

Chiropractic/Osteopathic

$450

Pharmacy

$500

$250

Psychology

$400

No

Podiatry/Chiropody

$300 

No

Occupational therapy

$500

No

Speech therapy

$500

 No

Eye therapy

$500

 No

Dietician

$250

No

Audiology

$200

No

Medically prescribed health appliances

$1,000

No

Laser refractive eye surgery

$1,000 (every two years)

No

First aid training

$60

No

Home nursing

$1,000

No

School accidents

$600

No

* This table shows the annual limits that apply per person per financial year. Some benefit categories may include family maximums or sub-category limits. Please refer to the Top Extras and Standard Extras pages for detail on each product.

  

This information is current as at 1 April 2011 and effective through to 31 March 2012. It replaces all earlier versions. Please read it carefully.

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