About extras cover

Extras cover provides benefits for ancillary services which may include, but are not limited to general dental, major dental, endodontic, orthodontic, optical, pharmaceuticals, physiotherapy, chiropractic, podiatry, psychology and hearing aids.

Each service (or group of services) has a maximum limit per person or per policy that is payable each year or another specified period of time. As with hospital treatment, it's important to check what is covered, how much benefit will be paid for each service and what the limits are for each service. 

What’s included?

You can choose cover for a large range of extras services, including dental, optical and other health care services such as physiotherapy, chiropractic, massage, etc. See your product brochure for a full list of benefits and limits. We pay benefits in accordance with the law and TUH Fund Rules and policies. Benefits are paid for treatment by registered practitioners in private practice and recognised natural therapists approved by TUH. Please contact us to check if your natural therapist is recognised by TUH.

What’s not included?

The items that we do not pay benefits for include, but are not limited to:

  • Treatments by providers not recognised by us for benefit purposes;
  • Services which took place two years or more before the date of lodgement of the claim;
  • Overseas products, treatments or services;
  • Telephone and email consultations or letters of advice by providers; 
  • Treatment by a family member including (but not restricted to) partner, brother, sister, father, mother, son, daughter or self treatment; and
  • Vitamins and supplements.

Restrictions may apply for multiple treatments on the same day.

Limits

Limits apply to the amount of benefit paid on extras treatments. See your product brochure for details. 

All limits apply per person, unless otherwise stated and relate to 1 January to 31 December each year, with the exception of orthodontic treatment lifetime limits and hearing aids, CPAP/APAP/BiPAP machines and anti snore devices (where a benefit is paid every three years from date of previous supply).

Your annual limits reset on 1 January. You can check your limits via Member Services Online.

More information

Things worth knowing about your extras cover

Active Health Bonus

A reward available to members with Ultimate Choice, Easy Choice or Comprehensive Extras combined with any Total Care Hospital cover to pay out-of-pocket costs for extras treatments (up to the annual limit). More information 

Ambulance transport

Emergency ambulance transport is covered when it results from an event that is unplanned, non-routine and which requires immediate medical attention. More information

Benefits

See your product brochure for a list of benefits payable under your cover.

Claiming

You must claim for extras services within two years of the service date. Click here for how to claim.

Dental

General dental treatments include the surgical removal of teeth (including wisdom teeth). Basic Extras cover excludes the surgical extraction of teeth (including wisdom teeth).

Mouthguards are covered under general dental on selected covers with a limit of one per person per calendar year. Co-payments vary depending on your cover.

More information

Health and Wellness

We offer a Health and Wellness benefit for health screenings, wellness programs, as well as weight management and fitness programs. More information

School accident cover

Benefits are available on selected covers in relation to an accident suffered by a dependent child who is a pre-school, primary or secondary school student that occurs at a school or school event and. More information

Upgrading your cover

If you upgrade your cover, you will commence membership on the higher cover at the year one level of annual limits. Waiting periods may apply.