* This price is based on a singles membership in NSW (varies from State to State). Price for customers eligible for the 29.04% Australian Government Rebate and nil Lifetime Health Cover loading. Rebate levels vary from 0% to 38.72%, which you can change when you get a quote. Minimum payment frequency is fortnightly.
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If you want to get back a bit more than our other Top Extras covers on an extensive range of services including major dental, orthodontics, pharmaceutical, podiatry, dietetics, speech therapy, hearing aids and much more.
Comprehensive cover for a wide range of health services and items, including major dental, orthodontics, podiatry, health appliances, and more. You'll get 85% back of the charge at Members' Choice Providers for eligible services up to your annual limit.
Top Extras 85 can be purchased on its own or with a hospital cover of your choice.
We'll pay benefits towards the items and services listed in the table below. It shows the relevant waiting periods and the annual limits that apply per person per calendar year under each level of cover.
^ Major dental - higher annual limits apply to major dental treatment received in WA for Top Extras 70, Top Extras 85 and Ultra Health Cover.
Please call us on 134 190 for more details.
Please note, Members' Choice extras providers may not be available in some areas. Find your nearest Members' Choice provider.
Percentage back at Members' Choice providers
When you visit a Members’ Choice extras provider for eligible services, you’ll get a percentage back of the charge (up to applicable limits). The percentage back you get will depend on the level of cover you choose – the higher the cover, the higher the percentage back.
Plus at all optical retailers, you can claim 100%** back on a range of glasses or contact lenses regardless of your level of extras cover. Find out more about Members' Choice.
** For eligible services up to your annual limit.Waiting periods apply.
You start with an opening balance in the first year and you’re topped up with an additional amount each full calendar year of membership (excluding any waiting periods) up to a maximum lifetime limit for your level of cover. Once you've served your 12 month waiting period, you can claim up to 100% of your balance.
Fixed benefit at non Members' Choice providers
A fixed benefit is the maximum amount we’ll pay for each service or item (up to applicable limits) and it may be less than the providers charge. Generally, the higher the level of cover you choose, the higher the fixed benefit which will help reduce your out-of-pocket expenses.
This is the maximum amount we'll pay for items or services in a calendar year. The benefit we pay for a particular item or service may be less than the annual limit and less than your provider's charge, which means you may have out-of-pocket expenses to pay.
Benefit replacement period
Benefit replacement periods may
apply for some services/items. More information on benefit replacement periods.