What's not covered under my extras policy?

We pay benefits in accordance with the law and our Fund Rules and policies. The items that we do not pay extras benefits for include, but are not limited to

• services where a benefit is payable by Medicare

• treatments by providers not recognised by us for benefit purposes

• services that took place two years or more before the date you lodge the claim

• overseas products, treatments or services

• telephone and email consultations or letters of advice by providers

• pharmacy/vaccinations where the fee is less than the PBS amount of $31.60 or is not TGA-approved

• treatment by a provider who is a family member, including (but not restricted to) treatment by yourself or your partner, parent, sibling, child, or other insured person on the policy

• midwife services at a home birth

• vitamins and supplements.

Restrictions may apply for multiple treatments on the same day.