Premium Extras

Offering the ultimate in general treatment cover, Premium Extras gives you and your family our highest benefits and annual limits. Premium Extras can be taken as a standalone product or combined with any of the hospital covers.

Policy coverage at a glance

Extras

High Low

Extras inclusions

What’s included

Category

Annual Limit

General Dental
2 month waiting period

unlimited

Covers dental items listed by the Australian Dental Association (ADA) up to a set rebate.
Includes restorations/fillings & Occlusal Therapy.

Major Dental
12 month waiting period

$2,000

Periodontics	up to $1,000
Extractions/Oral Surgery	up to $1,000
Endodontics	up to $1,000
Crowns/Bridgework	up to $1,000
Dentures^/Implants	up to $1,000

^For dentures a rolling three year minimum replacement period applies from the first date of service. Set benefits are payable for individual dental services and may not attract the fully major dental annual sub-limit.

Orthodontic
12 month waiting period

$2,500

Maximum of $2,500 per course of treatment; 80% of provider fee per rolling 3 year period (a treatment plan is required).

Optical
6 month waiting period

$350

100% of the fee up to the annual limit
Single Vision lens + frame
Bifocal/Multifocal lens + frame
Contact Lenses
Optical benefit is only payable where the lens includes a form of sight correction. A prescription must accompany all claims for benefits. Benefits are not available for lens coatings and features such as anti-reflection or scratch resistant coatings.

Eye Therapy
2 month waiting period

$500

Initial Consultation	$70
Subsequent Consultation	$55

Laser Eye Surgery
12 month waiting period

$1,500

100% of the fee up to the annual limit
One service every two (rolling) years.

Occupational Therapy
2 month waiting period

$500

Initial Consultation	$60
Subsequent Consultation	$40

Physiotherapy
2 month waiting period

$850

Includes Telehealth Services.

Initial Consultation	$67
Subsequent Consultation	$52
Group Session	$25
Ante/Post Natal Classes	up to $100

Chiropractic and Osteopathy
2 month waiting period

$750

$1,500 per family limit

Initial Consultation	$60
Subsequent Consultation	$41
Chiropractic X-rays (1 person per year)	$70

Podiatry and Chiropody
2 month waiting period

$500

Initial Consultation	$57
Subsequent Consultation	$44
Impression cast	$50
Podiatry Surgery	$200

Dietitian
2 month waiting period

$500

Includes Telehealth Services.

Initial Consultation	$80
Subsequent Consultation	$55

This is a consultation benefit only and does not cover any prescribed medications, herbal or dietary preparations or organised weight reduction programs.

Non-PBS Pharmacy
2 month waiting period

$600

Per Prescription up to $120
Navy Health pays the difference between the cost of the prescription and set cost of the Pharmaceutical Benefit Scheme (PBS), up to the maximum per prescription.
For more information and conditions please refer to the Pharmacy page.

Natural Therapies
2 month waiting period

$550

$1,100 per family limit
Per Service $38
Natural therapies include Acupuncture, Chinese Herbal Medicine, Exercise Physiology, Myotherapy, Remedial Massage/Therapy. Benefits are not payable on any prescribed medications, herbal or dietary preparations, or weight reduction programs.

From 1 April 2019, all health insurers will no longer be able to pay a benefit on the following Natural Therapies; Alexander technique, aromatherapy, Bowen therapy, Buteyko, Feldenkrais, herbalism, Western herbalism, homeopathy, iridology, kinesiology, naturopathy, reflexology, Rolfing, shiatsu, tai chi, and yoga.

Psychology
2 month waiting period

$600

Includes Telehealth Services.

Initial Consultation	$110
Subsequent Consultation	$80
Group Session	$55

Hypnotherapy is payable if the provider is a fully registered member of the Psychology Board in their State/Territory or if they are a clinical member of an approved association.

Speech Therapy
2 month waiting period

$500

Includes Telehealth Services.

Initial Consultation	$110
Subsequent Consultation	$55

Medically Prescribed Appliances (MPAs)
6 month waiting period

$700

85% of the fee up to the annual limit
For more information and conditions please refer to the Medically Prescribed Appliance (MPA) page.

CPAP Devices
12 month waiting period

$1,000

100% of the fee up to the annual limit
Includes repairs to the CPAP device.
Three year replacement period applies for new CPAP devices.

Orthotics and Orthopaedic Appliances
2 month waiting period

$300

85% of the fee up to the annual limit
Orthopaedic footwear must be for a medically prescribed purpose and constructed for the individual member by a specialist orthopaedic footwear manufacturer. Commercially available brands of footwear and sporting footwear are not eligible for benefits. Includes repairs to Orthotics.

Hearing Aids
12 month waiting period

$1,300

100% of the fee up to the annual limit
Repairs on Hearing Aids up to $150
Supply of hearing aids is limited to one supply (either single or two aids) every three years. The maximum three year limit applies to any three (rolling calendar) year period from the first date of service.

Audiology
2 month waiting period

$500

Initial Consultation	$70
Subsequent Consultation	$55

Home Nursing
2 month waiting period

$1,000

Per Service $60
Home nursing is classified as professional treatment by a registered nurse on the recommendation of a medical practitioner.

School Accidents
2 month waiting period

$800

Benefits include costs that result from a school accident to a member’s dependent child. Claims must be accompanied by notification of the accident on school letterhead.

Ambulance Services
2 month waiting period

unlimited

100% of the cost of ambulance services within Australia provided that the service is from a State/Territory registered ambulance service and deemed medically necessary.