Out-of-pocket expenses

An extras out-of-pocket cost is the difference between the amount a service provider charges and the benefit we pay. For example, if a physiotherapist charges $70 for a visit and we pay a benefit of $40, the out-of-pocket cost would be $30.

Visiting a preferred dental or optical provider may reduce the out-of-pocket costs you are required to pay.

Using your extras

Find a provider What's covered? Make a claim - Extras What's not covered? Waiting periods Out-of-pocket expenses Dental treatments Telehealth services Health Management benefit Dental preferred providers

Going into hospital

What's covered? Make a claim - Hospital What's not covered? Waiting periods Hospital treatment costs Paying for hospital costs Access Gap and out-of-pocket expenses Find a hospital Pre-existing conditions Pregnancy After-hospital care

Government initiatives

Australian Government rebate on private health insurance Medicare Levy Surcharge Lifetime Health Cover Loading (LHC) Lifetime mental health waiting period waiver Pharmaceutical Benefit Scheme Medicare Safety Net Medicare Benefits Schedule Age-based discount

Member resources

Change membership details Suspend your cover Authority to access membership Premium payment options Forms Product guides Mobile app