How $156.09 is worked out
- Premium as filed - $205.70 a month
- Government rebate - 24.1% of the premium (never of the loading): -$49.61
- A month - $156.09
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): $54.35; Scale and clean (item 114): $110.35; Fluoride treatment (item 121): $33.20 | $1,300 per person a year (shared with other services) |
| Major dental * | 12 months | Tooth extraction (item 322): $112.80; Crown (item 615): $748.80 | $1,300 per person a year (shared with other services) |
| Root canal | 2 months | Root canal (item 417): $113.80 | $1,300 per person a year (shared with other services) |
| Braces | 12 months | Braces, upper and lower, with a retainer (item 881): $1300.00 | $1,300 per person a year (shared with other services) |
| Glasses and contact lenses * | 2 months | Single vision glasses: 100% back; Multifocal glasses: 100% back | $260 per person a year |
| Prescriptions not on the PBS * | 2 months | Prescription: $80.00 | $200 per person a year |
| Physiotherapy * | 2 months | First visit: $40.00; Follow-up visit: $40.00 | $900 per person a year (shared with other services) |
| Chiropractic * | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $550 per person a year (shared with other services) |
| Podiatry | 2 months | First visit: $32.00; Follow-up visit: $23.00 | $354 per person a year |
| Psychology | 2 months | First visit: $75.00; Follow-up visit: $55.00 | $740 per person a year |
| Acupuncture * | 2 months | First visit: $25.00; Follow-up visit: $25.00 | $250 per person a year (shared with other services) |
| Remedial massage * | 2 months | First visit: $25.00; Follow-up visit: $25.00 | $250 per person a year (shared with other services) |
| Hearing aids | 12 months | Hearing aid: $550.00 | $550 per person a year, 1 appliance every 3 years |
| Blood glucose monitors | 12 months | Blood: 75% back | $200 per person a year, 1 appliance every 3 years |
| Chinese herbal medicine * | 2 months | First visit: $25.00; Follow-up visit: $25.00 | $250 per person a year (shared with other services) |
| Dietitian | 2 months | First visit: $36.00; Follow-up visit: $18.00 | $324 per person a year |
| Eye therapy (orthoptics) * | 2 months | First visit: $50.00; Follow-up visit: $25.00 | $900 per person a year (shared with other services) |
| Health management programs | 2 months | Benefit: $100.00 | $100 per person a year |
| Home nursing | 2 months | First visit: $75.00; Follow-up visit: $75.00 | $1,800 per person a year |
| Occupational therapy * | 2 months | First visit: $45.00; Follow-up visit: $25.00 | $900 per person a year (shared with other services) |
| Orthotics | 12 months | Benefit: 75% back | $200 per person a year |
| Osteopathy * | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $550 per person a year (shared with other services) |
| Speech therapy * | 2 months | First visit: $75.00; Follow-up visit: $45.00 | $900 per person a year (shared with other services) |
Not covered: Audiology, Antenatal and postnatal, Exercise physiology, Vaccinations.
* Optical benefit paid on frames and prescription optical items. Pharmacy benefit paid after deduction of the PBS co-payment at 100% up to $80 per script. The limits detailed below are subject to a combined overall person limit of $550 for chiro and osteo. A combined overall person limit of $900 for occupational therapy, orthoptics (eye therapy), physio and speech therapy. Our Complementary Therapies sub-limit ($250 per person) includes: acupuncture, myotherapy, remedial massage and traditional Chinese medicine. Benefits for replacement dentures and partial dentures are not paid within three years of previous supply.
Other services, as filed: A 12 month waiting period applies to dental items: 322-324, 331, 595, and 596. A 12 month waiting period applies to IVF drugs. A $20 benefit (1 per person, per calendar year) will be paid on eligible claims for flu vaccinations from a registered pharmacy only. Like most Extras health covers, there are annual limits (a limit on how much we will pay toward your claims) for most services under Super Options. However, your benefit limits will be refreshed every year on January 1. What’s more, we’ll increase your annual limits on a number of services. For example, benefits and annual limits for major dental services increase each year for the first five years of membership. Likewise, benefits and annual limits for complementary therapy services will increase after three years of membership, while optical benefits increase after five years. Other items covered: Asthmatic spacers, Diabetes Education, External Prosthesis, Humidifier/ Nebuliser and a Peak Flow Meter.
Super Options has practically everything you could wish for – major dental, chiro, physio, optical, healthy lifestyle and ambulance to name just a few. Plus, it covers a host of other health services like psychology, orthotics and speech therapy.
Ambulance
Emergency and non-emergency ambulance. Call-out fees covered. Waiting period for emergency transport: 1 day. No limit on emergency transport.
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 | $228.60 |
| NSW | My family | None | $228.60 |
| NSW | Just me | None | $114.30 |
| NSW | Me and my children | None | $228.60 |
| NT | Me and my partner | None | $193.80 |
| NT | My family | None | $193.80 |
| NT | Just me | None | $96.90 |
| NT | Me and my children | None | $193.80 |
| QLD | Me and my partner | None | $205.70 |
| QLD | My family | None | $205.70 |
| QLD | Just me | None | $102.85 |
| QLD | Me and my children | None | $205.70 |
| SA | Me and my partner | None | $209.10 |
| SA | My family | None | $209.10 |
| SA | Just me | None | $104.55 |
| SA | Me and my children | None | $209.10 |
| TAS | Me and my partner | None | $198.30 |
| TAS | My family | None | $198.30 |
| TAS | Just me | None | $99.15 |
| TAS | Me and my children | None | $198.30 |
| VIC | Me and my partner | None | $205.60 |
| VIC | My family | None | $205.60 |
| VIC | Just me | None | $102.80 |
| VIC | Me and my children | None | $205.60 |
| WA | Me and my partner | None | $197.60 |
| WA | My family | None | $197.60 |
| WA | Just me | None | $98.80 |
| WA | Me and my children | None | $197.60 |
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 A0/QAPS2D, 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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