$650 combined limit with Therapies & Other
1 check up, 1 scale and clean and 1 fluoride treatment per person
| Service | Benefits |
|---|---|
| Examinations | 60% |
| Single film x-rays | 60% |
| Removal of plaque / calculus | 60% |
| Application of fluoride | 60% |
| Direct fillings (1-2 surfaces) | 60% |
| Simple extractions | 60% |
| Teeth whitening - In-chair (service limits apply) | 60% |
| Teeth whitening - Home application (service limits apply) | 60% |
| General Dental | 2 months |
| Major Dental | 12 months |
| Orthodontic | 12 months |
$175 limit
| Service | Benefits |
|---|---|
| Spectacle frames | 60% |
| Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting) | 60% |
| Contact lenses - pair | 60% |
| Optical | 2 months |
$650 combined limit with Dental & Other
| Service | Benefits |
|---|---|
| Exercise physiology | 60% |
| HCF-approved Online Cognitive Behavioural Therapy courses | 60% |
$100 Limit
| Service | Benefits |
|---|---|
| Remedial massage and myotherapy - initial / subsequent | 60% |
$650 combined limit with Dental & Other
| Service | Benefits |
|---|---|
| Acupuncture and Chinese herbal medicine consultation - initial / subsequent | 60% |
$650 combined limit with Dental & Other
| Service | Benefits |
|---|---|
| Dietetics - initial / subsequent | 60% |
| Therapies (excluding foot orthotics) | 2 months |
Gap Bonus helps reduce or eliminate out-of-pocket costs by topping up the benefit we pay on services included in your Flex My Extras cover. You can use your Gap Bonus on any covered extras service up to your annual entitlement*. Gap Bonus kicks in after 12 months on your Flex My Extras cover and increases each year up to year 4. * Each member listed on the policy has their own Gap Bonus entitlement. Gap Bonus is non-transferable between members. Unused Gap Bonus cannot be rolled over into the following year.
| Service | Benefits |
|---|---|
| Gap Bonus | Year 1 N/A Year 2 $50, year 3 $75, year 4 $100 per person |
Extras cover helps reduce out-of-pocket expenses that come with managing or improving your health. Depending on which extras cover you choose, you can claim on a range of services like dental, optical, physio, weight management programs and more. Waiting periods apply and vary according to the type of service.
If you have extras cover, we’ll pay up to a set amount for extras services (like dental or optical), depending on your annual limits. The amount we’ll pay also varies depending on your level of cover. You’ll need to pay the difference between what your extras provider charges and the benefits we pay: this is an extras gap.
Getting the most out of your extras cover means more money saved, and a boost to your family’s health and wellbeing. Preventive health checks are important at any age and our wide network of extras providers makes accessing care easy. Depending on your level of cover and which service you choose, you could get 100% back** through our no-gap providers.
Included means services and treatments are covered and you'll have less out-of-pocket expenses.
$650 combined limit with Therapies & Other
1 check up, 1 scale and clean and 1 fluoride treatment per person
| Service | Benefits |
|---|---|
| Examinations | 60% |
| Single film x-rays | 60% |
| Removal of plaque / calculus | 60% |
| Application of fluoride | 60% |
| Direct fillings (1-2 surfaces) | 60% |
| Simple extractions | 60% |
| Teeth whitening - In-chair (service limits apply) | 60% |
| Teeth whitening - Home application (service limits apply) | 60% |
| General Dental | 2 months |
| Major Dental | 12 months |
| Orthodontic | 12 months |
$175 limit
| Service | Benefits |
|---|---|
| Spectacle frames | 60% |
| Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting) | 60% |
| Contact lenses - pair | 60% |
| Optical | 2 months |
$650 combined limit with Dental & Other
| Service | Benefits |
|---|---|
| Exercise physiology | 60% |
| HCF-approved Online Cognitive Behavioural Therapy courses | 60% |
$100 Limit
| Service | Benefits |
|---|---|
| Remedial massage and myotherapy - initial / subsequent | 60% |
$650 combined limit with Dental & Other
| Service | Benefits |
|---|---|
| Acupuncture and Chinese herbal medicine consultation - initial / subsequent | 60% |
$650 combined limit with Dental & Other
| Service | Benefits |
|---|---|
| Dietetics - initial / subsequent | 60% |
| Therapies (excluding foot orthotics) | 2 months |
Gap Bonus helps reduce or eliminate out-of-pocket costs by topping up the benefit we pay on services included in your Flex My Extras cover. You can use your Gap Bonus on any covered extras service up to your annual entitlement*. Gap Bonus kicks in after 12 months on your Flex My Extras cover and increases each year up to year 4. * Each member listed on the policy has their own Gap Bonus entitlement. Gap Bonus is non-transferable between members. Unused Gap Bonus cannot be rolled over into the following year.
| Service | Benefits |
|---|---|
| Gap Bonus | Year 1 N/A Year 2 $50, year 3 $75, year 4 $100 per person |
Extras cover helps reduce out-of-pocket expenses that come with managing or improving your health. Depending on which extras cover you choose, you can claim on a range of services like dental, optical, physio, weight management programs and more. Waiting periods apply and vary according to the type of service.
If you have extras cover, we’ll pay up to a set amount for extras services (like dental or optical), depending on your annual limits. The amount we’ll pay also varies depending on your level of cover. You’ll need to pay the difference between what your extras provider charges and the benefits we pay: this is an extras gap.
Getting the most out of your extras cover means more money saved, and a boost to your family’s health and wellbeing. Preventive health checks are important at any age and our wide network of extras providers makes accessing care easy. Depending on your level of cover and which service you choose, you could get 100% back** through our no-gap providers.
Restricted means hospital benefits are limited and you may have higher out-of-pocket expenses for these services and treatments.
$650 combined limit with Therapies & Other
1 check up, 1 scale and clean and 1 fluoride treatment per person
| Service | Benefits |
|---|---|
| Examinations | 60% |
| Single film x-rays | 60% |
| Removal of plaque / calculus | 60% |
| Application of fluoride | 60% |
| Direct fillings (1-2 surfaces) | 60% |
| Simple extractions | 60% |
| Teeth whitening - In-chair (service limits apply) | 60% |
| Teeth whitening - Home application (service limits apply) | 60% |
| General Dental | 2 months |
| Major Dental | 12 months |
| Orthodontic | 12 months |
$175 limit
| Service | Benefits |
|---|---|
| Spectacle frames | 60% |
| Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting) | 60% |
| Contact lenses - pair | 60% |
| Optical | 2 months |
$650 combined limit with Dental & Other
| Service | Benefits |
|---|---|
| Exercise physiology | 60% |
| HCF-approved Online Cognitive Behavioural Therapy courses | 60% |
$100 Limit
| Service | Benefits |
|---|---|
| Remedial massage and myotherapy - initial / subsequent | 60% |
$650 combined limit with Dental & Other
| Service | Benefits |
|---|---|
| Acupuncture and Chinese herbal medicine consultation - initial / subsequent | 60% |
$650 combined limit with Dental & Other
| Service | Benefits |
|---|---|
| Dietetics - initial / subsequent | 60% |
| Therapies (excluding foot orthotics) | 2 months |
Gap Bonus helps reduce or eliminate out-of-pocket costs by topping up the benefit we pay on services included in your Flex My Extras cover. You can use your Gap Bonus on any covered extras service up to your annual entitlement*. Gap Bonus kicks in after 12 months on your Flex My Extras cover and increases each year up to year 4. * Each member listed on the policy has their own Gap Bonus entitlement. Gap Bonus is non-transferable between members. Unused Gap Bonus cannot be rolled over into the following year.
| Service | Benefits |
|---|---|
| Gap Bonus | Year 1 N/A Year 2 $50, year 3 $75, year 4 $100 per person |
Extras cover helps reduce out-of-pocket expenses that come with managing or improving your health. Depending on which extras cover you choose, you can claim on a range of services like dental, optical, physio, weight management programs and more. Waiting periods apply and vary according to the type of service.
If you have extras cover, we’ll pay up to a set amount for extras services (like dental or optical), depending on your annual limits. The amount we’ll pay also varies depending on your level of cover. You’ll need to pay the difference between what your extras provider charges and the benefits we pay: this is an extras gap.
Getting the most out of your extras cover means more money saved, and a boost to your family’s health and wellbeing. Preventive health checks are important at any age and our wide network of extras providers makes accessing care easy. Depending on your level of cover and which service you choose, you could get 100% back** through our no-gap providers.
Excluded means no hospital benefits are payable and you'll pay all out-of-pocket expenses for these services and treatments.
$650 combined limit with Therapies & Other
1 check up, 1 scale and clean and 1 fluoride treatment per person
| Service | Benefits |
|---|---|
| Examinations | 60% |
| Single film x-rays | 60% |
| Removal of plaque / calculus | 60% |
| Application of fluoride | 60% |
| Direct fillings (1-2 surfaces) | 60% |
| Simple extractions | 60% |
| Teeth whitening - In-chair (service limits apply) | 60% |
| Teeth whitening - Home application (service limits apply) | 60% |
| General Dental | 2 months |
| Major Dental | 12 months |
| Orthodontic | 12 months |
$175 limit
| Service | Benefits |
|---|---|
| Spectacle frames | 60% |
| Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting) | 60% |
| Contact lenses - pair | 60% |
| Optical | 2 months |
$650 combined limit with Dental & Other
| Service | Benefits |
|---|---|
| Exercise physiology | 60% |
| HCF-approved Online Cognitive Behavioural Therapy courses | 60% |
$100 Limit
| Service | Benefits |
|---|---|
| Remedial massage and myotherapy - initial / subsequent | 60% |
$650 combined limit with Dental & Other
| Service | Benefits |
|---|---|
| Acupuncture and Chinese herbal medicine consultation - initial / subsequent | 60% |
$650 combined limit with Dental & Other
| Service | Benefits |
|---|---|
| Dietetics - initial / subsequent | 60% |
| Therapies (excluding foot orthotics) | 2 months |
Gap Bonus helps reduce or eliminate out-of-pocket costs by topping up the benefit we pay on services included in your Flex My Extras cover. You can use your Gap Bonus on any covered extras service up to your annual entitlement*. Gap Bonus kicks in after 12 months on your Flex My Extras cover and increases each year up to year 4. * Each member listed on the policy has their own Gap Bonus entitlement. Gap Bonus is non-transferable between members. Unused Gap Bonus cannot be rolled over into the following year.
| Service | Benefits |
|---|---|
| Gap Bonus | Year 1 N/A Year 2 $50, year 3 $75, year 4 $100 per person |
Extras cover helps reduce out-of-pocket expenses that come with managing or improving your health. Depending on which extras cover you choose, you can claim on a range of services like dental, optical, physio, weight management programs and more. Waiting periods apply and vary according to the type of service.
If you have extras cover, we’ll pay up to a set amount for extras services (like dental or optical), depending on your annual limits. The amount we’ll pay also varies depending on your level of cover. You’ll need to pay the difference between what your extras provider charges and the benefits we pay: this is an extras gap.
Getting the most out of your extras cover means more money saved, and a boost to your family’s health and wellbeing. Preventive health checks are important at any age and our wide network of extras providers makes accessing care easy. Depending on your level of cover and which service you choose, you could get 100% back** through our no-gap providers.
