How $55.28 is worked out
- Premium as filed - $72.85 a month
- Government rebate - 24.1% of the premium (never of the loading): -$17.57
- A month - $55.28
Go to insurer no commission on this policy
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental | 2 months | Check-up (item 012): 50% back; Scale and clean (item 114): 50% back; Fluoride treatment (item 121): 50% back; Tooth extraction (item 322): 50% back | $400 per person a year, $800 per policy a year |
| Glasses and contact lenses * | 2 months | Single vision glasses: 100% back; Multifocal glasses: 100% back | $150 per person a year, $300 per policy a year |
| Physiotherapy | 2 months | First visit: 50% back; Follow-up visit: 50% back | $300 per person a year, $600 per policy a year (shared with other services) |
| Chiropractic | 2 months | First visit: 50% back; Follow-up visit: 50% back | $300 per person a year, $600 per policy a year (shared with other services) |
| Osteopathy | 2 months | First visit: 50% back; Follow-up visit: 50% back | $300 per person a year, $600 per policy a year (shared with other services) |
Not covered: Major dental, Root canal, Braces, Prescriptions not on the PBS, Podiatry, Psychology, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Chinese herbal medicine, Dietitian, Exercise physiology, Eye therapy (orthoptics), Health management programs, Home nursing, Occupational therapy, Orthotics, Speech therapy, Vaccinations.
* Optical benefit paid on frames and prescription optical items.
Other services, as filed: The limits detailed above are subject to a combined overall person limit of $300 ($600 per couple or family membership) for physio, chiro and osteo.
Basic Extras is our entry-level cover, providing 50% back or more on commonly used services such as General Dental, Optical, Physio, Chiro, Osteo and Emergency Ambulance.
Ambulance
Emergency ambulance. Call-out fees covered. Waiting period for emergency transport: 1 day.
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
| State | Who is covered | Excess | A month, as filed |
|---|---|---|---|
| NSW | Me and my partner | None | $72.70 |
| NSW | My family | None | $76.35 |
| NSW | Just me | None | $36.35 |
| NSW | Me and my children | None | $72.70 |
| NT | Me and my partner | None | $63.70 |
| NT | My family | None | $66.90 |
| NT | Just me | None | $31.85 |
| NT | Me and my children | None | $63.70 |
| QLD | Me and my partner | None | $71.00 |
| QLD | My family | None | $74.55 |
| QLD | Just me | None | $35.50 |
| QLD | Me and my children | None | $71.00 |
| SA | Me and my partner | None | $71.00 |
| SA | My family | None | $74.55 |
| SA | Just me | None | $35.50 |
| SA | Me and my children | None | $71.00 |
| TAS | Me and my partner | None | $68.40 |
| TAS | My family | None | $71.80 |
| TAS | Just me | None | $34.20 |
| TAS | Me and my children | None | $68.40 |
| VIC | Me and my partner | None | $71.40 |
| VIC | My family | None | $74.95 |
| VIC | Just me | None | $35.70 |
| VIC | Me and my children | None | $71.40 |
| WA | Me and my partner | None | $69.40 |
| WA | My family | None | $72.85 |
| WA | Just me | None | $34.70 |
| WA | Me and my children | None | $69.40 |
Where this comes from
Policy details come from the PrivateHealth.gov.au dataset published by the Private Health Insurance Ombudsman on data.gov.au (release of 1 Oct 2026), licensed under Creative Commons Attribution 3.0 Australia. Statement A7/WBRM2D, filed by Health Insurance Fund of Australia Limited, issued 1 Apr 2026.
† Monthly premium: the premium the insurer filed with the Private Health Insurance Ombudsman for this state, household and excess, before the Australian Government rebate. Answer the income and age questions and every figure becomes the premium after your rebate, with any Lifetime Health Cover loading added to the hospital share (the rebate never applies to the loading) and the age-based discount taken off it where the policy offers one. Insurers may quote a different payment frequency and round each step; check the figure with the insurer before you join.
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