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Providing the following information will help us calculate the price that you would need to pay for your health cover.
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Cover requirements
Focus Extras
From
$000*
Includes 4% direct debit discount
Focus in on the essentials with 60% back on key services. Plus, 100% back on Optical, selected dental services through our No Gap Dental Network and unlimited emergency ambulance .
Cover includes non-student dependants aged 23 and over.
-
Emergency AmbulanceWhere the transport is coded and invoiced as emergency transport by a recognised State Ambulance authority.
Benefits are not payable if ambulance service is already covered by a State-based scheme or your ambulance subscription.
Where an Extras cover is taken with Hospital cover, benefits are payable under the Hospital cover only, except where the Extras product offers additional benefits not included on Hospital.
Unlimited -
No Gap Dental NetworkCovers selected services such as scale and clean, fluoride treatment and mouthguards.
Benefits claimed as No Gap Dental do not count towards the yearly limit. Please Note: No Gap Dental providers are not available in all states and territories. Covers selected services such as scale and clean, fluoride treatment and mouthguards. -
General DentalCovers most fillings and simple extractions
$700 per person, $1400 limit per family combined with Preventative Dental, Root Canal, Gum Disease Treatments & Surgical Extractions, Crowns, Bridges & Dentures -
Root Canal, Gum Disease Treatments & Surgical Extractions
$700 per person, $1400 per family combined with Preventative Dental, General Dental and Crowns, Bridges and Dentures -
Crowns, Bridges & DenturesA full denture replacement is limited to once every three years.
$700 limit per person, $1400 limit per family. Combined with Preventative Dental, General Dental and Root Canal, Gum Disease Treatments and Surgical Extractions -
OpticalFor prescription glasses, contact lenses or repairs provided by a recognised optometrist in private practice. Excludes non-prescription sunglasses and contact lenses, and optical consultations.
$200 per person, $400 per family -
PhysiotherapyIncludes sports physiotherapy and hydrotherapy
$400 limit combined with Exercise Physiology -
Chiropractic and Osteopathy
$250 combined limit -
Remedial Massage
$200 limit combined with Acupuncture and Myotherapy -
Psychology
$200 limit
-
Emergency AmbulanceWhere the transport is coded and invoiced as emergency transport by a recognised State Ambulance authority.
Benefits are not payable if ambulance service is already covered by a State-based scheme or your ambulance subscription.
Where an Extras cover is taken with Hospital cover, benefits are payable under the Hospital cover only, except where the Extras product offers additional benefits not included on Hospital.
Unlimited -
Ambulance AttendanceFor Ambulance attendances where you are not taken to hospital.
Benefits are not payable if ambulance service is already covered by a State-based scheme or your ambulance subscription.
Where an Extras cover is taken with Hospital cover, benefits are payable under the Hospital cover only, except where the Extras product offers additional benefits not included on Hospital.
2 attendances per person
-
No Gap Dental NetworkCovers selected services such as scale and clean, fluoride treatment and mouthguards.
Benefits claimed as No Gap Dental do not count towards the yearly limit. Please Note: No Gap Dental providers are not available in all states and territories. Covers selected services such as scale and clean, fluoride treatment and mouthguards. -
Preventative DentalCovers selected services such as scale and clean, fluoride treatment and mouthguards.
$700 per person, $1400 limit per family combined with General Dental, Root Canal, Gum Disease Treatments & Surgical Extractions, Crowns, Bridges & Dentures -
General DentalCovers most fillings and simple extractions
$700 per person, $1400 limit per family combined with Preventative Dental, Root Canal, Gum Disease Treatments & Surgical Extractions, Crowns, Bridges & Dentures -
Root Canal, Gum Disease Treatments & Surgical Extractions
$700 per person, $1400 per family combined with Preventative Dental, General Dental and Crowns, Bridges and Dentures -
Crowns, Bridges & DenturesA full denture replacement is limited to once every three years.
$700 limit per person, $1400 limit per family. Combined with Preventative Dental, General Dental and Root Canal, Gum Disease Treatments and Surgical Extractions
-
OpticalFor prescription glasses, contact lenses or repairs provided by a recognised optometrist in private practice. Excludes non-prescription sunglasses and contact lenses, and optical consultations.
$200 per person, $400 per family
-
PhysiotherapyIncludes sports physiotherapy and hydrotherapy
$400 limit combined with Exercise Physiology -
Exercise PhysiologyIncludes hydrotherapy
$400 limit combined with Physiotherapy -
Chiropractic and Osteopathy
$250 combined limit -
Acupuncture
$200 limit combined with Remedial Massage and Myotherapy -
Remedial Massage
$200 limit combined with Acupuncture and Myotherapy -
Myotherapy
$200 limit combined with Acupuncture and Remedial Massage
-
Dietetics
$200 limit -
Psychology
$200 limit -
Travel VaccinationsFor approved travel vaccines, supplied and administered in Australia prior to departure and for the purpose of overseas travel
$150 limit
Freedom Extras
From
$4636*
Includes 4% direct debit discount
Comprehensive cover for a wide range of health services including major dental, podiatry, pharmacy and 100% back on optical and selected dental services through our No Gap Dental Network.
Cover includes non-student dependants aged 23 and over.
-
Emergency AmbulanceWhere the transport is coded and invoiced as emergency transport by a recognised State Ambulance authority.
Benefits are not payable if ambulance service is already covered by a State-based scheme or your ambulance subscription.
Where an Extras cover is taken with Hospital cover, benefits are payable under the Hospital cover only, except where the Extras product offers additional benefits not included on Hospital.
Unlimited -
No Gap Dental NetworkCovers selected services such as scale and clean, fluoride treatment and mouthguards.
Benefits claimed as No Gap Dental do not count towards the yearly limit. Please Note: No Gap Dental providers are not available in all states and territories. Covers selected services such as scale and clean, fluoride treatment and mouthguards. -
General DentalCovers most fillings and simple extractions
$800 limit per person, $1600 limit per family combined with Preventative Dental -
Root Canal, Gum Disease Treatments & Surgical Extractions
$800 limit per person, $1600 limit per family combined with Crowns, Bridges & Dentures -
Crowns, Bridges & DenturesA full denture replacement is limited to once every three years.
$800 limit per person, $1600 limit per family combined with Root Canal, Gum Disease Treatments & Surgical Extractions -
Orthodontics
$700 limit -
OpticalFor prescription glasses, contact lenses or repairs provided by a recognised optometrist in private practice. Excludes non-prescription sunglasses and contact lenses, and optical consultations.
$250 per person, $500 per family, Up to 100% of the cost per item -
PhysiotherapyIncludes sports physiotherapy and hydrotherapy
$500 limit combined with Exercise Physiology -
Chiropractic and Osteopathy
$350 combined limit -
Acupuncture
$300 limit combined with Remedial Massage and Myotherapy -
Remedial Massage
$300 limit combined with Acupuncture and Myotherapy -
PodiatryExcludes podiatric surgery
$300 limit combined with Orthotics, Braces, Splints and Garments -
Psychology
$400 limit -
PharmacyFor non-PBS prescription pharmaceuticals only, after you pay a sum equal to the current Pharmaceutical Benefits Scheme (PBS) charge. Excludes vitamins, minerals and supplements
$400 limit
-
Emergency AmbulanceWhere the transport is coded and invoiced as emergency transport by a recognised State Ambulance authority.
Benefits are not payable if ambulance service is already covered by a State-based scheme or your ambulance subscription.
Where an Extras cover is taken with Hospital cover, benefits are payable under the Hospital cover only, except where the Extras product offers additional benefits not included on Hospital.
Unlimited -
Ambulance AttendanceFor Ambulance attendances where you are not taken to hospital.
Benefits are not payable if ambulance service is already covered by a State-based scheme or your ambulance subscription.
Where an Extras cover is taken with Hospital cover, benefits are payable under the Hospital cover only, except where the Extras product offers additional benefits not included on Hospital.
2 attendances per person
-
No Gap Dental NetworkCovers selected services such as scale and clean, fluoride treatment and mouthguards.
Benefits claimed as No Gap Dental do not count towards the yearly limit. Please Note: No Gap Dental providers are not available in all states and territories. Covers selected services such as scale and clean, fluoride treatment and mouthguards. -
Preventative DentalCovers selected services such as scale and clean, fluoride treatment and mouthguards.
$800 limit per person, $1600 limit per family combined with General Dental -
General DentalCovers most fillings and simple extractions
$800 limit per person, $1600 limit per family combined with Preventative Dental -
Root Canal, Gum Disease Treatments & Surgical Extractions
$800 limit per person, $1600 limit per family combined with Crowns, Bridges & Dentures -
Crowns, Bridges & DenturesA full denture replacement is limited to once every three years.
$800 limit per person, $1600 limit per family combined with Root Canal, Gum Disease Treatments & Surgical Extractions -
Orthodontics
$700 limit
-
OpticalFor prescription glasses, contact lenses or repairs provided by a recognised optometrist in private practice. Excludes non-prescription sunglasses and contact lenses, and optical consultations.
$250 per person, $500 per family, Up to 100% of the cost per item
-
PhysiotherapyIncludes sports physiotherapy and hydrotherapy
$500 limit combined with Exercise Physiology -
Exercise PhysiologyIncludes hydrotherapy
$500 limit combined with Physiotherapy -
Chiropractic and Osteopathy
$350 combined limit -
Acupuncture
$300 limit combined with Remedial Massage and Myotherapy -
Remedial Massage
$300 limit combined with Acupuncture and Myotherapy -
Myotherapy
$300 limit combined with Acupuncture and Remedial Massage -
PodiatryExcludes podiatric surgery
$300 limit combined with Orthotics, Braces, Splints and Garments -
Orthotics, Braces, Splints and GarmentsOrthotics must be recommended by a podiatrist or medical practitioner and supplied by an approved provider in a private practice.
Garments must be recommended by a medical practitioner or allied health professional and supplied by an approved provider in private practice.
$300 limit combined with Podiatry
-
Dietetics
$400 limit -
Audiology, Speech, Eye and Occupational Therapy
$300 combined limit -
Psychology
$400 limit -
PharmacyFor non-PBS prescription pharmaceuticals only, after you pay a sum equal to the current Pharmaceutical Benefits Scheme (PBS) charge. Excludes vitamins, minerals and supplements
$400 limit -
Travel VaccinationsFor approved travel vaccines, supplied and administered in Australia prior to departure and for the purpose of overseas travel
$200 limit -
School Accident Top-Up BenefitBenefit applies where you are otherwise eligible to claim for benefits under your Extras cover. General treatment must be received within 12 months from the date of the incident at school which took place after joining this product.
Claim must be accompanied by a description of the accident from the (recognised) school. E.g., A report on the school’s letterhead, letter from the school, or the notification from the school's electronic notification system.
$150 limit -
Sickness Travel and AccommodationFor medically necessary treatment requiring a minimum return trip of 200km or more.
$200 limit
Top Extras
From
$7026*
Includes 4% direct debit discount
Top cover with all the bells and whistles. Includes great yearly limits for major dental, physical therapies, aids and devices and much more.
Cover includes non-student dependants aged 23 and over.
-
Emergency AmbulanceWhere the transport is coded and invoiced as emergency transport by a recognised State Ambulance authority.
Benefits are not payable if ambulance service is already covered by a State-based scheme or your ambulance subscription.
Where an Extras cover is taken with Hospital cover, benefits are payable under the Hospital cover only, except where the Extras product offers additional benefits not included on Hospital.
Unlimited -
No Gap Dental NetworkCovers selected services such as scale and clean, fluoride treatment and mouthguards.
Benefits claimed as No Gap Dental do not count towards the yearly limit. Please Note: No Gap Dental providers are not available in all states and territories. Covers selected services such as scale and clean, fluoride treatment and mouthguards. -
General DentalCovers most fillings and simple extractions
$1000 limit per person, $2000 limit per family combined with Preventative Dental -
Root Canal, Gum Disease Treatments & Surgical Extractions
$1000 limit per person, $2000 limit per family combined with Crowns, Bridges & Dentures -
Crowns, Bridges & DenturesA full denture replacement is limited to once every three years.
$1000 limit per person, $2000 limit per family combined with Root Canal, Gum Disease Treatments & Surgical Extractions -
Orthodontics
$800 limit -
OpticalFor prescription glasses, contact lenses or repairs provided by a recognised optometrist in private practice. Excludes non-prescription sunglasses and contact lenses, and optical consultations.
$300 per person, $600 per family, Up to 100% of the cost per item -
PhysiotherapyIncludes sports physiotherapy and hydrotherapy
$600 limit combined with Exercise Physiology -
Chiropractic and Osteopathy
$400 combined limit -
Acupuncture
$400 limit combined with Remedial Massage and Myotherapy -
Remedial Massage
$400 limit combined with Acupuncture and Myotherapy -
PodiatryExcludes podiatric surgery
$400 limit combined with Orthotics, Braces, Splints and Garments -
Blood glucose and Blood pressure monitorsBenefit for each item is payable every 2 calendar years
$500 limit combined with Asthma Pumps and Peak Flow Meters, C-PAP/B-PAP Devices and TENS Machines, Wheelchairs and Crutches, Non-Surgical Prostheses. -
Hearing aidsIncludes hearing aid appliance, replacement and repairs.
Benefit for each item is payable every 3 years (does not apply to repairs).
$1,000 limit -
Psychology
$600 limit -
PharmacyFor non-PBS prescription pharmaceuticals only, after you pay a sum equal to the current Pharmaceutical Benefits Scheme (PBS) charge. Excludes vitamins, minerals and supplements
$500 limit
-
Emergency AmbulanceWhere the transport is coded and invoiced as emergency transport by a recognised State Ambulance authority.
Benefits are not payable if ambulance service is already covered by a State-based scheme or your ambulance subscription.
Where an Extras cover is taken with Hospital cover, benefits are payable under the Hospital cover only, except where the Extras product offers additional benefits not included on Hospital.
Unlimited -
Ambulance AttendanceFor Ambulance attendances where you are not taken to hospital.
Benefits are not payable if ambulance service is already covered by a State-based scheme or your ambulance subscription.
Where an Extras cover is taken with Hospital cover, benefits are payable under the Hospital cover only, except where the Extras product offers additional benefits not included on Hospital.
2 attendances per person
-
No Gap Dental NetworkCovers selected services such as scale and clean, fluoride treatment and mouthguards.
Benefits claimed as No Gap Dental do not count towards the yearly limit. Please Note: No Gap Dental providers are not available in all states and territories. Covers selected services such as scale and clean, fluoride treatment and mouthguards. -
Preventative DentalCovers selected services such as scale and clean, fluoride treatment and mouthguards.
$1000 limit per person, $2000 limit per family combined with General Dental -
General DentalCovers most fillings and simple extractions
$1000 limit per person, $2000 limit per family combined with Preventative Dental -
Root Canal, Gum Disease Treatments & Surgical Extractions
$1000 limit per person, $2000 limit per family combined with Crowns, Bridges & Dentures -
Crowns, Bridges & DenturesA full denture replacement is limited to once every three years.
$1000 limit per person, $2000 limit per family combined with Root Canal, Gum Disease Treatments & Surgical Extractions -
Orthodontics
$800 limit
-
OpticalFor prescription glasses, contact lenses or repairs provided by a recognised optometrist in private practice. Excludes non-prescription sunglasses and contact lenses, and optical consultations.
$300 per person, $600 per family, Up to 100% of the cost per item
-
PhysiotherapyIncludes sports physiotherapy and hydrotherapy
$600 limit combined with Exercise Physiology -
Exercise PhysiologyIncludes hydrotherapy
$600 limit combined with Physiotherapy -
Chiropractic and Osteopathy
$400 combined limit -
Acupuncture
$400 limit combined with Remedial Massage and Myotherapy -
Remedial Massage
$400 limit combined with Acupuncture and Myotherapy -
Myotherapy
$400 limit combined with Acupuncture and Remedial Massage -
PodiatryExcludes podiatric surgery
$400 limit combined with Orthotics, Braces, Splints and Garments -
Orthotics, Braces, Splints and GarmentsOrthotics must be recommended by a podiatrist or medical practitioner and supplied by an approved provider in a private practice.
Garments must be recommended by a medical practitioner or allied health professional and supplied by an approved provider in private practice.
$400 limit combined with Podiatry
-
Asthma Pumps and Peak flow metersBenefit for each item is payable every 2 calendar years
$500 limit combined with Blood Glucose and Blood Pressure Monitors, C-PAP/B-PAP Devices and TENS Machines, Wheelchairs and Crutches, Non-Surgical Prostheses. -
Blood glucose and Blood pressure monitorsBenefit for each item is payable every 2 calendar years
$500 limit combined with Asthma Pumps and Peak Flow Meters, C-PAP/B-PAP Devices and TENS Machines, Wheelchairs and Crutches, Non-Surgical Prostheses. -
C-PAP Devices and TENS Machines Includes C-PAP/B-PAPTENS Machines must be recommended by a physiotherapist or medical practitioner and supplied by an approved provider in private practice.
Benefit for each item is payable every 2 calendar years
$500 limit combined with Asthma Pumps and Peak Flow Meters, Blood glucose and Blood pressure monitors, Wheelchairs and Crutches, Non-Surgical Prostheses. -
Wheelchairs and CrutchesFor hire or purchase of wheelchairs or crutches used in prevention or support post injury
$500 limit combined with Asthma Pumps and Peak Flow Meters, Blood Glucose and Blood pressure Monitors, C-PAP/B-PAP Devices and TENS Machines, Non-Surgical Prostheses. -
Non-surgical ProsthesesBenefit for each item is payable every 2 calendar years (does not apply to wigs)
$500 limit combined with Asthma Pumps and Peak Flow Meters, Blood glucose and Blood pressure monitors, C-PAP/B-PAP Devices and TENS Machines, Wheelchairs and Crutches. -
Hearing aidsIncludes hearing aid appliance, replacement and repairs.
Benefit for each item is payable every 3 years (does not apply to repairs).
$1,000 limit
-
Dietetics
$500 limit -
Audiology, Speech, Eye and Occupational Therapy
$400 combined limit -
Psychology
$600 limit -
PharmacyFor non-PBS prescription pharmaceuticals only, after you pay a sum equal to the current Pharmaceutical Benefits Scheme (PBS) charge. Excludes vitamins, minerals and supplements
$500 limit -
Travel VaccinationsFor approved travel vaccines, supplied and administered in Australia prior to departure and for the purpose of overseas travel
$250 limit -
School Accident Top-Up BenefitBenefit applies where you are otherwise eligible to claim for benefits under your Extras cover. General treatment must be received within 12 months from the date of the incident at school which took place after joining this product.
Claim must be accompanied by a description of the accident from the (recognised) school. E.g., A report on the school’s letterhead, letter from the school, or the notification from the school's electronic notification system.
$200 limit -
Sickness Travel and AccommodationFor medically necessary treatment requiring a minimum return trip of 200km or more.
$300 limit
*Assumes 4% discount for direct debit and 0% aged based discount. Any rebate listed above has been factored into the price. Price includes cover for non-student dependants aged 23 and over.Price excludes cover for non-student dependants aged 23 and over.
^ Waiting periods and yearly limits may apply.
The information on this page is a summary only. Please read the product Fact Sheet to understand the benefits, limits, restrictions, exclusions, waiting periods, pre-existing conditions and excesses that apply, and what it means to be 'Covered' including out-of-pocket costs.