Hunter Health Insurance
Premium Extras Cover (Family)
Hunter Health Insurance (a CDH Benefits Fund policy)
How $228.25 is worked out
- Premium as filed - $300.80 a month
- Government rebate - 24.1% of the premium (never of the loading): -$72.55
- A month - $228.25
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): 100% back; Scale and clean (item 114): 100% back; Fluoride treatment (item 121): $25.00; Tooth extraction (item 322): $110.00 | Gap Free Preventative Dental 100% Benefit Limit 2 Service Person Per Year Items Number 011-015 111-116 |
| Major dental | 12 months | Crown (item 615): $800.00 | $1,100 per person a year |
| Root canal | 12 months | Root canal (item 417): $150.00 | no yearly limit |
| Braces | 12 months | Braces, upper and lower, with a retainer (item 881): $2500.00 | $600 per person a year, $2,500 lifetime |
| Glasses and contact lenses | 2 months | Single vision glasses: $210.00; Multifocal glasses: $290.00 | $290 per person a year |
| Prescriptions not on the PBS | 2 months | Prescription: $70.00 | $700 per person a year |
| Physiotherapy | 2 months | First visit: $55.00; Follow-up visit: $45.00 | $700 per person a year (shared with other services) |
| Chiropractic | 2 months | First visit: $40.00; Follow-up visit: $35.00 | $600 per person a year (shared with other services) |
| Podiatry | 2 months | First visit: $45.00; Follow-up visit: $40.00 | $600 per person a year (shared with other services) |
| Psychology | 2 months | First visit: $50.00; Follow-up visit: $50.00 | $600 per person a year (shared with other services) |
| Acupuncture | 2 months | First visit: $40.00; Follow-up visit: $40.00 | $600 per person a year (shared with other services) |
| Remedial massage | 2 months | First visit: $50.00; Follow-up visit: $30.00 | $600 per person a year (shared with other services) |
| Hearing aids | 36 months | Hearing aid: $800.00 | $750 per person a year |
| Blood glucose monitors | 12 months | Blood: 75% back | $500 per person a year, 1 appliance every year |
| Antenatal and postnatal | 2 months | First visit: $25.00 | $250 per person a year |
| Dietitian | 2 months | First visit: $35.00 | $600 per person a year (shared with other services) |
| Exercise physiology | 2 months | First visit: $26.00; Follow-up visit: $22.00 | $600 per person a year (shared with other services) |
| Health management programs | 2 months | Benefit: $65.00 | $65 per person a year |
| Home nursing | 2 months | First visit: $35.00 | $950 per person a year |
| Occupational therapy | 2 months | First visit: $35.00 | $700 per person a year (shared with other services) |
| Orthotics | 2 months | Benefit: 75% back | $200 per person a year |
| Osteopathy | 2 months | First visit: $35.00; Follow-up visit: $30.00 | $600 per person a year (shared with other services) |
| Speech therapy | 2 months | First visit: $35.00; Follow-up visit: $40.00 | $700 per person a year (shared with other services) |
Not covered: Audiology, Chinese herbal medicine, Eye therapy (orthoptics), Vaccinations.
* Ambulance cover is only available if taken with a Hospital Cover
Other services, as filed: Does not include treatment for: Alexander technique; Aromatherapy; Bowen therapy; Buteyko; Feldenkrais; Western herbalism; homeopathy; iridology; kinesiology; naturopathy; Pilates; reflexology; Rolfing; Shiatsu; Tai chi; Yoga CSIRO Total Wellbeing Diet $60 Per Year Per Membership
Orthodontic is paid at 75% of account in current year to max $600.00 with $250.00 per year accumulated up to a maximum benefit of $2500.00 per person per lifetime.
Ambulance
No ambulance cover.
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 | $300.80 |
| NSW | My family | None | $300.80 |
| NSW | Just me | None | $150.40 |
| NT | Me and my partner | None | $300.80 |
| NT | My family | None | $300.80 |
| NT | Just me | None | $150.40 |
| QLD | Me and my partner | None | $300.80 |
| QLD | My family | None | $300.80 |
| QLD | Just me | None | $150.40 |
| SA | Me and my partner | None | $300.80 |
| SA | My family | None | $300.80 |
| SA | Just me | None | $150.40 |
| TAS | Me and my partner | None | $300.80 |
| TAS | My family | None | $300.80 |
| TAS | Just me | None | $150.40 |
| VIC | Me and my partner | None | $300.80 |
| VIC | My family | None | $300.80 |
| VIC | Just me | None | $150.40 |
| WA | Me and my partner | None | $300.80 |
| WA | My family | None | $300.80 |
| WA | Just me | None | $150.40 |
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 I3/WASY2D, filed by CDH Benefits Fund, 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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