How $42.65 is worked out
- Premium as filed - $56.20 a month
- Government rebate - 24.1% of the premium (never of the loading): -$13.55
- A month - $42.65
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): 60% back; Scale and clean (item 114): 60% back; Fluoride treatment (item 121): 60% back; Tooth extraction (item 322): 60% back | $600 per policy a year |
| Major dental * | 12 months | Crown (item 615): 60% back | $600 per policy a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): 60% back | $600 per policy a year (shared with other services) |
| Glasses and contact lenses * | 2 months | Single vision glasses: 100% back; Multifocal glasses: 100% back | $200 per policy a year |
| Prescriptions not on the PBS * | 2 months | Prescription: 60% back | $350 per policy a year (shared with other services) |
| Physiotherapy | 2 months | First visit: 60% back; Follow-up visit: 60% back | $350 per policy a year (shared with other services) |
| Chiropractic | 2 months | First visit: 60% back; Follow-up visit: 60% back | $350 per policy a year (shared with other services) |
| Podiatry | 2 months | First visit: 60% back; Follow-up visit: 60% back | $350 per policy a year (shared with other services) |
| Acupuncture | 2 months | First visit: 60% back; Follow-up visit: 60% back | $350 per policy a year (shared with other services) |
| Remedial massage | 2 months | First visit: 60% back; Follow-up visit: 60% back | $350 per policy a year (shared with other services) |
| Chinese herbal medicine | 2 months | First visit: 60% back; Follow-up visit: 60% back | $350 per policy a year (shared with other services) |
| Exercise physiology | 2 months | First visit: 60% back; Follow-up visit: 60% back | $350 per policy a year (shared with other services) |
| Health management programs | 2 months | Benefit: 60% back | $350 per policy a year (shared with other services) |
| Osteopathy | 2 months | First visit: 60% back; Follow-up visit: 60% back | $350 per policy a year (shared with other services) |
Not covered: Braces, Psychology, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Dietitian, Eye therapy (orthoptics), Home nursing, Occupational therapy, Orthotics, Speech therapy, Vaccinations.
* Pharmacy benefit paid after deduction of the PBS co-payment at 60% per script. A $20 benefit (1 per person, per calendar year) will be paid on eligible claims for flu vaccinations from a registered pharmacy only. Optical benefit paid on frames and prescription optical items. Benefits for replacement dentures and partial dentures are not paid within three years of previous supply.
Other services, as filed: Complementary Therapies sub-limit is $150 per person ($300 per couple or family membership). Benefits are claimable for acupuncture, myotherapy, remedial massage and traditional Chinese medicine. Treatment must be provided by a practitioner who is registered with HIF in the speciality for which the charge is raised, benefits are not payable on medicines. Healthy lifestyle sub-limit is $150 per person ($300 per couple or family membership). The limits detailed above are subject to a combined overall person limit of $350 ($700 per couple of family membership) for physio, exercise physiology, chiro, osteo, podiatry, pharmacy, complementary therapies and healthy lifestyle.
Simple Extras is our great-value Extras cover that offers 60% back or more on services such as General Dental, Major Dental, Optical, Physio, Chiro, Complimentary Therapies and more.
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 | $120.90 |
| NSW | My family | None | $126.95 |
| NSW | Just me | None | $60.45 |
| NSW | Me and my children | None | $120.90 |
| NT | Me and my partner | None | $95.20 |
| NT | My family | None | $99.95 |
| NT | Just me | None | $47.60 |
| NT | Me and my children | None | $95.20 |
| QLD | Me and my partner | None | $112.40 |
| QLD | My family | None | $118.00 |
| QLD | Just me | None | $56.20 |
| QLD | Me and my children | None | $112.40 |
| SA | Me and my partner | None | $118.00 |
| SA | My family | None | $123.90 |
| SA | Just me | None | $59.00 |
| SA | Me and my children | None | $118.00 |
| TAS | Me and my partner | None | $98.10 |
| TAS | My family | None | $103.00 |
| TAS | Just me | None | $49.05 |
| TAS | Me and my children | None | $98.10 |
| VIC | Me and my partner | None | $115.60 |
| VIC | My family | None | $121.40 |
| VIC | Just me | None | $57.80 |
| VIC | Me and my children | None | $115.60 |
| WA | Me and my partner | None | $105.40 |
| WA | My family | None | $110.65 |
| WA | Just me | None | $52.70 |
| WA | Me and my children | None | $105.40 |
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 A10/QBUO10, 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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