Top Extras

Top Extras

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Exceptional Extras

The more Extras you’re covered for, the more you can look after your health – knowing that we’ll be on hand to cover some of the costs.

Check out some of the services you can claim for below. It’s not even the whole lot!

Top Extras

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More Information

Click on the service to learn more
Services
Benefit
Yearly Limits
Periodic oral examination (012) - limit of 2 services, per person/year
$40
Benefits
Yearly Limit
Yearly Limit

Unlimited (Unless stated otherwise)

Intraoral radiograph - per exposure (022)
$30
Benefits
Yearly Limit
Yearly Limit

Unlimited (Unless stated otherwise)

Removal of calculus (114) - limit of 2 services, per person/year
$70
Benefits
Yearly Limit
Yearly Limit

Unlimited (Unless stated otherwise)

Topical application of remineralising agent (121) - limit of 2 services per year
$25
Benefits
Yearly Limit
Yearly Limit

Unlimited (Unless stated otherwise)

Removal of tooth (311)
$90
Benefits
Yearly Limit
Yearly Limit

Unlimited (Unless stated otherwise)

Filling: 1 surface metallic (511)
$63
Benefits
Yearly Limit
Yearly Limit

Unlimited (Unless stated otherwise)

Filling: 3 surface metallic (513)
$109
Benefits
Yearly Limit
Yearly Limit

Unlimited (Unless stated otherwise)

Filling: 1 surface adhesive restoration (531)
$80
Benefits
Yearly Limit
Yearly Limit

Unlimited (Unless stated otherwise)

Filling: 3 surface adhesive restoration (533)
$115
Benefits
Yearly Limit
Yearly Limit

Unlimited (Unless stated otherwise)

Services
Benefit
Yearly Limits
Surgical removal of a tooth requiring bone removal (324)
$240
Benefits
Yearly Limit
Yearly Limit

Increasing Limits
Year 1 Match existing cover up to $1,300
Year 2 $1,300
Year 3 $1,600
Year 4 $2,100
Year 5 $2,600 
Year 6+ $2,800

Increasing limits are calculated on continuous membership of Nurses & Midwives Health Top Extras cover.

Inlays/Onlays - tooth coloured 1 surface (551)
$273
Benefits
Yearly Limit
Yearly Limit

Increasing Limits
Year 1 Match existing cover up to $1,300
Year 2 $1,300
Year 3 $1,600
Year 4 $2,100
Year 5 $2,600 
Year 6+ $2,800

Increasing limits are calculated on continuous membership of Nurses & Midwives Health Top Extras cover.

Inlay/Onlays - tooth coloured 2 surfaces (552)
$432
Benefits
Yearly Limit
Yearly Limit

Increasing Limits
Year 1 Match existing cover up to $1,300
Year 2 $1,300
Year 3 $1,600
Year 4 $2,100
Year 5 $2,600 
Year 6+ $2,800

Increasing limits are calculated on continuous membership of Nurses & Midwives Health Top Extras cover.

Crown - veneered (615)
$750
Benefits
Yearly Limit
Yearly Limit

Increasing Limits
Year 1 Match existing cover up to $1,300
Year 2 $1,300
Year 3 $1,600
Year 4 $2,100
Year 5 $2,600 
Year 6+ $2,800

Increasing limits are calculated on continuous membership of Nurses & Midwives Health Top Extras cover.

Bridge pontic - direct (642)
$520
Benefits
Yearly Limit
Yearly Limit

Increasing Limits
Year 1 Match existing cover up to $1,300
Year 2 $1,300
Year 3 $1,600
Year 4 $2,100
Year 5 $2,600 
Year 6+ $2,800

Increasing limits are calculated on continuous membership of Nurses & Midwives Health Top Extras cover.

Dentures - upper and lower (719)
$1,000
Benefits
Yearly Limit
Yearly Limit

Increasing Limits
Year 1 Match existing cover up to $1,300
Year 2 $1,300
Year 3 $1,600
Year 4 $2,100
Year 5 $2,600 
Year 6+ $2,800

Increasing limits are calculated on continuous membership of Nurses & Midwives Health Top Extras cover.

Services
Benefit
Yearly Limits
$2,500
Benefits
Yearly Limit
Yearly Limit

$2,500 lifetime limit.

Services
Benefit
Yearly Limits
Frames
$100
Benefits
Yearly Limit
Yearly Limit

$260 per person.

Single vision lens - pair
$140
Benefits
Yearly Limit
Yearly Limit

$260 per person.

Bifocal lens - pair
$165
Benefits
Yearly Limit
Yearly Limit

$260 per person.

Multifocal lens - pair
$165
Benefits
Yearly Limit
Yearly Limit

$260 per person.

Contact lenses - rigid or soft
$175
Benefits
Yearly Limit
Yearly Limit

$260 per person.

Contact lenses - disposable
$175
Benefits
Yearly Limit
Yearly Limit

$260 per person.

Services
Benefit
Yearly Limits
Chiropractic & Osteopathy – First visit
$45
Benefits
Yearly Limit
Yearly Limit

$480 per person ($300 sub-limit for group therapy).

Chiropractic & Osteopathy – Visits 2-6
$40
Benefits
Yearly Limit
Yearly Limit

$480 per person ($300 sub-limit for group therapy).

Chiropractic & Osteopathy – Visits 7+
$32
Benefits
Yearly Limit
Yearly Limit

$480 per person ($300 sub-limit for group therapy).

$20
Benefits
Yearly Limit
Yearly Limit

$480 per person ($300 sub-limit for group therapy).

Physiotherapy – First visit
$45
Benefits
Yearly Limit
Yearly Limit

$800 per person (sub-limits apply).

A $400 sub-limit per person applies to group therapy. Within the group therapy limit, a $200 class therapy sub-limit per person applies.

Physiotherapy – Visits 2-6
$40
Benefits
Yearly Limit
Yearly Limit

$800 per person (sub-limits apply).

A $400 sub-limit per person applies to group therapy. Within the group therapy limit, a $200 class therapy sub-limit per person applies.

Physiotherapy – Visits 7+
$32
Benefits
Yearly Limit
Yearly Limit

$800 per person (sub-limits apply).

A $400 sub-limit per person applies to group therapy. Within the group therapy limit, a $200 class therapy sub-limit per person applies.

Physiotherapy – group therapy/class therapy
$20
Benefits
Yearly Limit
Yearly Limit

$800 per person (sub-limits apply).

A $400 sub-limit per person applies to group therapy. Within the group therapy limit, a $200 class therapy sub-limit per person applies.

Exercise physiology – First visit
$45
Benefits
Yearly Limit
Yearly Limit

Combined limit - see Physiotherapy

A $400 sub-limit per person applies to group therapy. Within the group therapy limit, a $200 class therapy sub-limit per person applies.

Exercise physiology – Visits 2-6
$40
Benefits
Yearly Limit
Yearly Limit

Combined limit - see Physiotherapy

A $400 sub-limit per person applies to group therapy. Within the group therapy limit, a $200 class therapy sub-limit per person applies.

Exercise physiology – Visits 7+
$32
Benefits
Yearly Limit
Yearly Limit

Combined limit - see Physiotherapy

A $400 sub-limit per person applies to group therapy. Within the group therapy limit, a $200 class therapy sub-limit per person applies.

Exercise physiology – group therapy/class therapy
$20
Benefits
Yearly Limit
Yearly Limit

Combined limit - see Physiotherapy

A $400 sub-limit per person applies to group therapy. Within the group therapy limit, a $200 class therapy sub-limit per person applies.

Ante or post-natal physiotherapy (per confinement only)
$78
Benefits
Yearly Limit
Yearly Limit

$78 per calendar year, included in overall physio limit

Orthoptics consultation - Visits 1-4
$40
Benefits
Yearly Limit
Yearly Limit

Included in overall physio limit.

Orthoptics consultation - Visits 5+
$35
Benefits
Yearly Limit
Yearly Limit

Included in overall physio limit.

Speech therapy - Visits 1-4
$70
Benefits
Yearly Limit
Yearly Limit

$600 per person.

Speech therapy - Visits 5+
$40
Benefits
Yearly Limit
Yearly Limit

$600 per person.

Occupational therapy - Visits 1-4
$70
Benefits
Yearly Limit
Yearly Limit

$500 per person.

($300 sub-limit for group therapy)

Occupational therapy - Visits 5+
$44
Benefits
Yearly Limit
Yearly Limit

$500 per person.

($300 sub-limit for group therapy)

Occupational therapy - group therapy
$20
Benefits
Yearly Limit
Yearly Limit

$500 per person.

($300 sub-limit for group therapy)

Podiatry - first visit
$45
Benefits
Yearly Limits
Yearly Limits

$400 per person ($60 sub-limit for orthotic repair).

Podiatry - Visits 2-6
$40
Benefits
Yearly Limits
Yearly Limits

$400 per person ($60 sub-limit for orthotic repair).

Podiatry - Visits 7+
$32
Benefits
Yearly Limits
Yearly Limits

$400 per person ($60 sub-limit for orthotic repair).

Audiology consultation
$45
Benefits
Yearly Limit
Yearly Limit

No limit.

Dietitian - Visits 1-4
$60
Benefits
Yearly Limit
Yearly Limit

$400 per person.

Dietitian - Visits 5+
$40
Benefits
Yearly Limit
Yearly Limit

$400 per person.

Hypnotherapy consultation or session
$30
Benefits
Yearly Limit
Yearly Limit

$300 per person

Psychology assessment
$100
Benefits
Yearly Limits
Yearly Limits

$600 per person. Sub-limits apply.

Psychology - initial consultation
$100
Benefits
Yearly Limits
Yearly Limits

$600 per person. Sub-limits apply.

Psychology - subsequent consultation
$72
Benefits
Yearly Limits
Yearly Limits

$600 per person. Sub-limits apply.

Natural therapies (Remedial massage, Acupuncture, Chinese herbal medicine consultations, Myotherapy)
$34
Benefits
Yearly Limits
Yearly Limits

$600 per person

 

Benefits are for face-to-face consultation only. No benefits for remedies, medicines or food preparation.

Services
Benefit
Yearly Limits
100%
Benefits
Yearly Limit
Yearly Limit

$200 per person. See more info on programs and claiming.

(Sub-limit of $30 for flu vaccine. See more info on how to claim.)

100%
Benefits
Yearly Limit
Yearly Limit

$200 per person. See more info on programs and claiming.

(Sub-limit of $30 for flu vaccine. See more info on how to claim.)

100%
Benefits
Yearly Limit
Yearly Limit

$200 per person. See more info on programs and claiming.

(Sub-limit of $30 for flu vaccine. See more info on how to claim.)

100%
Benefits
Yearly Limit
Yearly Limit

$200 per person. See more info on programs and claiming.

(Sub-limit of $30 for flu vaccine. See more info on how to claim.)

National Healthy Eating Activity and Lifestyle (HEAL) program
100%
Benefits
Yearly Limit
Yearly Limit

$200 per person. See more info on programs and claiming.

(Sub-limit of $30 for flu vaccine. See more info on how to claim.)

Flu vaccine (until 31 December 2023)
100%
Benefits
Yearly Limit
Yearly Limit

$200 per person. See more info on programs and claiming.

(Sub-limit of $30 for flu vaccine. See more info on how to claim.)

Services
Benefit
Yearly Limits
$60
Benefits
Yearly Limits
Yearly Limits

$800 per person ($280 sub-limit for erectile dysfunction and vaccines).

Services
Benefit
Yearly Limits
Emergency ambulance transport (using State Government ambulance service)
100%
Benefits
Yearly Limit
Yearly Limit

$6000 per person.

Services
Benefit
Yearly Limits
Blood pressure monitor (purchase)
75% up to $85
Benefits
Yearly Limit
Yearly Limit

$1,200 per person (sub-limits apply).

See if you need an Aids and Appliances form to claim.

Blood glucose monitor (including CGM)
75% up to $160
Benefits
Yearly Limit
Yearly Limit

$1,200 per person (sub-limits apply).

See if you need an Aids and Appliances form to claim.

75% up to $400
Benefits
Yearly Limit
Yearly Limit

$1,200 per person (sub-limits apply).

See if you need an Aids and Appliances form to claim.

75% up to $90
Benefits
Yearly Limit
Yearly Limit

$1,200 per person (sub-limits apply).

See if you need an Aids and Appliances form to claim.

75% up to $500
Benefits
Yearly Limit
Yearly Limit

$1,200 per person (sub-limits apply).

See if you need an Aids and Appliances form to claim.

75% up to $240
Benefits
Yearly Limit
Yearly Limit

$1,200 per person (sub-limits apply).

See if you need an Aids and Appliances form to claim.

Breast Pump (purchase)
75% up to $150
Benefits
Yearly Limit
Yearly Limit

$1,200 per person (sub-limits apply).

See if you need an Aids and Appliances form to claim.

Crutches (purchase)
75% up to $200
Benefits
Yearly Limit
Yearly Limit

$1,200 per person (sub-limits apply).

See if you need an Aids and Appliances form to claim.

Crutches/knee scooter hire
75% up to $200
Benefits
Yearly Limit
Yearly Limit

$1,200 per person (sub-limits apply).

See if you need an Aids and Appliances form to claim.

Nebuliser
75% up to $170
Benefits
Yearly Limit
Yearly Limit

$1,200 per person (sub-limits apply).

See if you need an Aids and Appliances form to claim.

Surgical corsets/braces/trusses
75% up to $500
Benefits
Yearly Limit
Yearly Limit

$1,200 per person (sub-limits apply).

See if you need an Aids and Appliances form to claim.

75% up to $400
Benefits
Yearly Limit
Yearly Limit

$1,200 per person (sub-limits apply).

See if you need an Aids and Appliances form to claim.

Wheelchair repair (including batteries)
75% up to $75
Benefits
Yearly Limit
Yearly Limit

$1,200 per person (sub-limits apply).

See if you need an Aids and Appliances form to claim.

Wheelchair (hire)
75% up to $200
Benefits
Yearly Limit
Yearly Limit

$1,200 per person (sub-limits apply).

See if you need an Aids and Appliances form to claim.

Mastectomy Bra/Top
90%
Benefits
Yearly Limits
Yearly Limits

$400

100% up to $100
Benefits
Yearly Limits
Yearly Limits

$200

Services
Benefit
Yearly Limits
75% of cost
Benefits
Yearly Limit
Yearly Limit

$900 per person, per 3 years. See if you need an Aids and Appliances form to claim.

75% of cost
Benefits
Yearly Limit
Yearly Limit

$150 per person. See if you need an Aids and Appliances form to claim.

See Yearly Limit
Benefits
Yearly Limit
Yearly Limit

Increasing limits
Single
Years 1-5 $600
Years 5+ $900

Pair
Years 1-5 $1,200
Years 5+ $1,800

Increasing limits are calculated on continuous membership of Nurses & Midwives Health Top Extras cover.

1 pair of hearing aids per person every 3 calendar years.

See if you need an Aids and Appliances form to claim.

Services
Benefit
Yearly Limits
Wheelchair
50%
Benefits
Yearly Limit
Yearly Limit

$1900 limit every 5 years (sub-limit applies for a manual wheelchair)

Services
Benefit
Yearly Limits
Childbirth education
$300
Benefits
Yearly Limits
Yearly Limits

$300 per pregnancy

$0.15/km
Benefits
Yearly Limit
Yearly Limit

$400 per person. See Claiming for Travel under FAQs.

Home nursing - over six (6) hours
$95
Benefits
Yearly Limit
Yearly Limit

$800 per person.

Home nursing - under six (6) hours
$33
Benefits
Yearly Limit
Yearly Limit

$800 per person.

Lactation nursing - initial consultation
$60
Benefits
Yearly Limit
Yearly Limit

$800 per person.

Lactation nursing - subsequent consultation
$40
Benefits
Yearly Limit
Yearly Limit

$800 per person.

Important info

Waiting periods

Like all health funds, waiting periods may apply when you take out your cover.

You may have to wait if:

  • You’re new to private health insurance
  • You increase your benefit limits or upgrade your cover to include things that weren’t covered before
  • You switch health funds and increase your cover to include things that weren’t covered before.
If you’ve cancelled your membership with another health fund, you’ll need to join us within 60 days to keep up your continuity of cover and not re-serve any applicable waiting periods.

 

Extras waiting periods

Orthodontia 12 months
Wheelchair purchase 24 months
Major dental, medical appliances 12 months
Optical, healthy lifestyle 6 months
All other services 2 months
Emergency ambulance transport 1 day

 

DIY dentistry

Please be aware you can claim for face-to-face dental consultations only. You can’t claim for home (DIY) dentistry – this includes teeth whitening kits, orthodontic aligners and occlusal splints. If unsure, contact us to find out whether a benefit is payable – we’re here to help.

Make sure you claim with a recognised provider

We can only pay benefits if you’ve taken up the service through a provider who’s recognised by Nurses & Midwives Health at the time. To find out if your provider’s one of them, just call us on 1300 344 000.