Defence Health Limited

Top Extras

Name: Top Extras
Brand: Defence Health Limited
Price: 111.91 AUD

Restricted Insurer

$111.91 / month

(Before Rebate, Discount & Loading)

Available in NSW & ACT

You may be entitled to an Australian Government Rebate on the above premium. Your premium may also include an insurer discount. Check with your insurer for details.

This policy covers: One adult & dependants (2 or more people, only one of whom is an adult).

Children (0 - 17), non-classified* dependant (18 - 20) and students (21 - 30), as well as persons with a disability who qualify as a child, non-classified* dependant and student in these age ranges. *Non-classified dependant: We continue to keep kids covered, no questions asked, until they turn 21.

Restricted insurer: Membership of this insurer is restricted to current or former members of the ADF and the Defence community and their families.

Policy ID: AHB/I1/NCAY1D

Source: Private Health Information Statement (PHIS)

Extras Cover

Visit a network dentist for quality dental care at special member prices. Plus, network optical providers offer no-gap glasses and discounts on other optical purchases up to the optical limit. See https://www.defencehealth.com.au/Health-Insurance/Find-Providers-and-Hospitals.

This policy includes General treatment (Extras) cover for

Treatment & waiting period (months)

Benefit limits per 12 months unless otherwise stated

Examples of maximum benefits

Acupuncture 2

$300 per person

combined limit for acupuncture, exercise physiology, health management / healthy lifestyle, remedial massage & other services

Initial visit: $31
Subsequent visit: $27

Ante-natal/Post-natal classes 2

$550 per person

combined limit for ante-natal/post-natal classes & physiotherapy

Initial visit: $20
Subsequent visit: $20

Audiology 2

$200 per person

Initial visit: $60
Subsequent visit: $40

Blood glucose monitors 12

$1,000 per person

combined limit for blood glucose monitors, hearing aids, orthotics (podiatric orthoses) & other services

sub-limits apply

Per monitor: $400

Chiropractic 2

$450 per person

combined limit for chiropractic & osteopathy

Initial visit: $45
Subsequent visit: $32

Dietetics/dietary advice 2

$250 per person

Initial visit: $50
Subsequent visit: $30

Endodontic 12

$850 per person

combined limit for endodontic & major dental

Filling of one root canal: $136.7

Exercise physiology 2

$300 per person

combined limit for acupuncture, exercise physiology, health management / healthy lifestyle, remedial massage & other services

Initial visit: $31
Subsequent visit: $27

Eye therapy (orthoptics) 2

$500 per person

Initial visit: $50
Subsequent visit: $35

General dental 2

No annual limit

Fluoride treatment: $19
Scale & clean: $66.2
Periodic oral examination: $35.4

Health management / Healthy lifestyle 2

$300 per person

combined limit for acupuncture, exercise physiology, health management / healthy lifestyle, remedial massage & other services

Health management: $80

Hearing aids 12

$1,000 per person

combined limit for blood glucose monitors, hearing aids, orthotics (podiatric orthoses) & other services

sub-limits apply

Hearing aid: $1000

Home nursing 2

$1,000 per person

Initial visit: $32
Subsequent visit: $32

Major dental 12

$850 per person

combined limit for endodontic & major dental

Surgical tooth extraction: $132.5
Full crown veneered: $714.2

Non PBS pharmaceuticals 2

$500 per person

combined limit for non pbs pharmaceuticals & vaccinations

Per eligible prescription: $80

Occupational therapy 2

$500 per person

Initial visit: $65
Subsequent visit: $40

Optical 2

$255 per person

Multi-focal lenses & frames: 100% of charge
Single vision lenses & frames: 100% of charge

Orthodontic 12

$800 per person

Braces for upper & lower teeth, including removal plus fitting of retainer: $800

Orthotics (podiatric orthoses) 12

$1,000 per person

combined limit for blood glucose monitors, hearing aids, orthotics (podiatric orthoses) & other services

sub-limits apply

Orthotics supply & fit: $220

Osteopathy 2

$450 per person

combined limit for chiropractic & osteopathy

Initial visit: $45
Subsequent visit: $32

Physiotherapy 2

$550 per person

combined limit for ante-natal/post-natal classes & physiotherapy

Initial visit: $50
Subsequent visit: $39

Podiatry 2

$300 per person

Initial visit: $45
Subsequent visit: $32

Psychology 2

$400 per person

Initial visit: $80
Subsequent visit: $70

Remedial massage 2

$300 per person

combined limit for acupuncture, exercise physiology, health management / healthy lifestyle, remedial massage & other services

Initial visit: $31
Subsequent visit: $27

Speech therapy 2

$500 per person

Initial visit: $85
Subsequent visit: $45

Vaccinations 2

$500 per person

combined limit for non pbs pharmaceuticals & vaccinations

Per service: $80

Acupuncture

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for acupuncture, exercise physiology, health management / healthy lifestyle, remedial massage & other services}

Examples of maximum benefits

{Initial visit: $31}

{Subsequent visit: $27}

Ante-natal/Post-natal classes

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$550 per person}

{combined limit for ante-natal/post-natal classes & physiotherapy}

Examples of maximum benefits

{Initial visit: $20}

{Subsequent visit: $20}

Audiology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

Examples of maximum benefits

{Initial visit: $60}

{Subsequent visit: $40}

Blood glucose monitors

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

{combined limit for blood glucose monitors, hearing aids, orthotics (podiatric orthoses) & other services}

{sub-limits apply}

Examples of maximum benefits

{Per monitor: $400}

Chiropractic

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$450 per person}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $32}

Dietetics/dietary advice

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $30}

Endodontic

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$850 per person}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Filling of one root canal: $136.7}

Exercise physiology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for acupuncture, exercise physiology, health management / healthy lifestyle, remedial massage & other services}

Examples of maximum benefits

{Initial visit: $31}

{Subsequent visit: $27}

Eye therapy (orthoptics)

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $35}

General dental

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{No annual limit}

Examples of maximum benefits

{Fluoride treatment: $19}

{Scale & clean: $66.2}

{Periodic oral examination: $35.4}

Health management / Healthy lifestyle

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for acupuncture, exercise physiology, health management / healthy lifestyle, remedial massage & other services}

Examples of maximum benefits

{Health management: $80}

Hearing aids

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

{combined limit for blood glucose monitors, hearing aids, orthotics (podiatric orthoses) & other services}

{sub-limits apply}

Examples of maximum benefits

{Hearing aid: $1000}

Home nursing

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

Examples of maximum benefits

{Initial visit: $32}

{Subsequent visit: $32}

Major dental

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$850 per person}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Surgical tooth extraction: $132.5}

{Full crown veneered: $714.2}

Non PBS pharmaceuticals

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for non pbs pharmaceuticals & vaccinations}

Examples of maximum benefits

{Per eligible prescription: $80}

Occupational therapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

Examples of maximum benefits

{Initial visit: $65}

{Subsequent visit: $40}

Optical

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$255 per person}

Examples of maximum benefits

{Multi-focal lenses & frames: 100% of charge}

{Single vision lenses & frames: 100% of charge}

Orthodontic

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$800 per person}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: $800}

Orthotics (podiatric orthoses)

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

{combined limit for blood glucose monitors, hearing aids, orthotics (podiatric orthoses) & other services}

{sub-limits apply}

Examples of maximum benefits

{Orthotics supply & fit: $220}

Osteopathy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$450 per person}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $32}

Physiotherapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$550 per person}

{combined limit for ante-natal/post-natal classes & physiotherapy}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $39}

Podiatry

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $32}

Psychology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

Examples of maximum benefits

{Initial visit: $80}

{Subsequent visit: $70}

Remedial massage

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for acupuncture, exercise physiology, health management / healthy lifestyle, remedial massage & other services}

Examples of maximum benefits

{Initial visit: $31}

{Subsequent visit: $27}

Speech therapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

Examples of maximum benefits

{Initial visit: $85}

{Subsequent visit: $45}

Vaccinations

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for non pbs pharmaceuticals & vaccinations}

Examples of maximum benefits

{Per service: $80}

Health and Wellbeing annual limit $300 includes: Acupuncture, Remedial Massage, Exercise Physiology, Myotherapy - initial consultation: $31.00, subsequent consultation: $27.00, Health Management and Group Physiotherapy - $17.00 per session. Also includes cover for Laser Refractive Eye Surgery - annual limit: $1,000 every two financial years; School Accident - annual limit: $600. Health appliances limit also includes: Orthopaedic Shoes – sub-limit: $250; Nebuliser – sub-limit: $250 every three financial years; Spacer – sub-limit: $250. Accredited Counsellors and Mental Health Social Workers are included as approved providers under Psychology, refer to Product Guides for further information.

This policy does not include General treatment (Extras) cover for

Chinese medicine

Other features of this general treatment cover: No lifetime limit on orthodontics. All benefits are per person. Benefits reset on 1 July each year. Details and claim conditions are in product guides available at defencehealth.com.au

For further information about this policy see: https://www.defencehealth.com.au/

Ambulance cover

In NSW & ACT this policy provides:

Emergency: Unlimited with a waiting period of 2 months.

Non-emergency: Unlimited transport with a waiting period of 2 months.

Call-out fees: Will be paid for each attendance, including emergency treatment without transport to hospital.

Other features of this ambulance cover: Comprehensive cover for ambulance services by state-appointed ambulance providers across Australia. This includes emergency services, non-emergency dispatch, mobile intensive care and air and sea ambulance services. Non-emergency services are those that are classed as clinically necessary; for example, you need to be monitored by a paramedic during transport. Patient transfer services and transport services by Patient Transport vehicles are not ambulance services and are not claimable.

For further information about this policy see: https://www.defencehealth.com.au/

Insurer Details

Defence Health Limited

Top Extras

Restricted Insurer

$111.91 / month

(Before Rebate, Discount & Loading)

Available in NSW & ACT

Defence Health Limited

http://www.defencehealth.com.au

info@defencehealth.com.au

1800 335 425

Disclaimer: This document is not a Private Health Information Statement (PHIS), and it is not intended to replace that document. The details contained in the healthslips.com.au Policy Information was provided by the insurer to the Australian Government. It is intended as general information. It may not take into account your circumstances. For further information contact the insurer. Information used is Licensed from the Commonwealth of Australia under a Creative Commons 3.0 licence.Private Health Information Statement is available from the Private Health Insurance Ombudsman website at https://privatehealth.gov.au/dynamic/Premium/PHIS/AHB/I1/NCAY1D

Top Extras

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Top Extras

Policy ID: AHB/I1/NCAY1D

Extras Cover

Ambulance cover

Insurer Details

Defence Health Limited

Policies change monthly, stay informed

Talk to an Australian health insurance expert

Top Extras

Policy ID: AHB/I1/NCAY1D

Extras Cover

Ambulance cover

Insurer Details

Defence Health Limited

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Policies change monthly, stay informed