How $43.56 is worked out
- Premium as filed - $57.40 a month
- Government rebate - 24.1% of the premium (never of the loading): -$13.84
- A month - $43.56
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 | $500 per person a year |
| Glasses and contact lenses | 6 months | Single vision glasses: $150.00; Multifocal glasses: $150.00 | $150 per person a year |
| Prescriptions not on the PBS | 2 months | Prescription: 50% back | $200 per person a year |
| Physiotherapy | 2 months | First visit: $44.00; Follow-up visit: $38.00 | $400 per person a year (shared with other services) |
| Chiropractic | 2 months | First visit: $36.00; Follow-up visit: $26.00 | $300 per person a year (shared with other services) |
| Psychology | 2 months | First visit: $85.00; Follow-up visit: $55.00 | Benefits payable towards counselling services - Initial consultation $30/subsequent consultation $25 included in $300 Psychology Limit. |
| Audiology | 2 months | First visit: 50% back | $300 per person a year, 1 service every year (shared with other services) |
| Antenatal and postnatal | 2 months | First visit: 50% back; Follow-up visit: 50% back | $400 per person a year (shared with other services) |
| Dietitian | 2 months | First visit: $50.00; Follow-up visit: $35.00 | $300 per person a year, 1 service every year (shared with other services) |
| Exercise physiology | 2 months | First visit: 50% back; Follow-up visit: 50% back | $400 per person a year (shared with other services) |
| Eye therapy (orthoptics) | 2 months | First visit: $35.00; Follow-up visit: $25.00 | $400 per person a year (shared with other services) |
| Home nursing | 2 months | First visit: $50.00; Follow-up visit: $50.00 | $300 per person a year, 1 service every year (shared with other services) |
| Occupational therapy | 2 months | First visit: $45.00; Follow-up visit: $35.00 | $300 per person a year, 1 service every year (shared with other services) |
| Osteopathy | 2 months | First visit: $38.00; Follow-up visit: $33.00 | $300 per person a year (shared with other services) |
Not covered: Major dental, Root canal, Braces, Podiatry, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Chinese herbal medicine, Health management programs, Orthotics, Speech therapy, Vaccinations.
* A 2-month waiting period applies to Psychology with the exception of functional assessment for the purpose of diagnosing ADHS and/or autism spectrum disorders diagnosis which has a 12-month waiting period.
Approved health management programs when Starter Extras is taken with hospital cover. Benefits payable at 50% of fee charged, up to maximum benefit. Diabetes Education & Nutrition benefits included in Dietetics sub-limit.
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 |
|---|---|---|---|
| TAS | Me and my partner | None | $57.40 |
| TAS | My family | None | $57.40 |
| TAS | Just me | None | $28.70 |
| TAS | Me and my children | None | $57.40 |
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 I7/TCWH1D, filed by St Lukes, 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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