black 70
An extras policy from ahm.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement ahm files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, NT, no excess, before the rebate.
- Medicare levy surcharge
- Does not exempt you
- Ambulance
- Emergency only, call-out fees included, no limit
- Who can join
- Anyone
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Against every other extras policy in NSW & ACT
Single cover, counting policies anyone can buy. Further right covers more services, higher up costs more.
It covers 9 services for $87.90 a month. Of the 214 other policies, 146 cost less and 162 cover more services.
Monthly premium by state and cover type
NSW prices also apply in the ACT. Each price in the tables opens its official Private Health Information Statement on PrivateHealth.gov.au, with a PDF to download.
Single premium in each state
To the nearest dollar, a month before the rebate. The tables below have every price to the cent.
No excess
| State | Single | Couple | Family | Single parent | Extended family | Extended single parent |
|---|---|---|---|---|---|---|
| NSW & ACT | $87.90 | $175.80 | $193.40 | $149.40 | $261.20 | $180.10 |
| VIC | $83.25 | $166.50 | $183.30 | $141.50 | $247.50 | $170.70 |
| QLD | $81.60 | $163.20 | $179.50 | $138.60 | $242.50 | $167.30 |
| SA | $81.45 | $162.90 | $179.40 | $138.60 | $242.30 | $166.90 |
| WA | $72.45 | $144.90 | $159.50 | $123.20 | $215.30 | $148.50 |
| TAS | $73.85 | $147.70 | $162.30 | $125.50 | $219.40 | $151.30 |
| NT | $64.00 | $128.00 | $140.80 | $108.70 | $190.20 | $131.20 |
Pays towards 9 of 27 standard services
Yearly limits, per person, against the typical policy
- General dental$650typical policy $800
- Major dentalshared with endodontic (root canals)$600typical policy $1,000
- Optical$200typical policy $220
- Physiotherapyshared with chiropractic, osteopathy$350typical policy $450
- Chiropracticshared with physiotherapy, osteopathy$350typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)70% of the feetypical policy $35.20
- Scale and clean (item 114)70% of the feetypical policy $66.85
- Full crown, veneered (item 615)70% of the feetypical policy $773.80
- Single vision lenses and frames100% of the feetypical policy $220.00
- Physiotherapy, first visit70% of the feetypical policy $42.00
| Service | Waiting period | Yearly limit, per person | Per policy | Example benefits (all states) |
|---|---|---|---|---|
| General dental | 2 months | $650 | $1,300 | Periodic oral exam (item 012): 70%Scale and clean (item 114): 70%Fluoride treatment (item 121): 70%Simple extraction (item 322): 70% |
| Major dental | 12 months | $600shared with endodontic (root canals) | $1,200 | Full crown, veneered (item 615): 70% |
| Endodontic (root canals) | 12 months | $600shared with major dental | $1,200 | Root canal filling (item 417): 70% |
| Optical | 6 months | $200 | $400 | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Physiotherapy | 2 months | $350shared with chiropractic, osteopathy | $700 | Physiotherapy, first visit: 70%Physiotherapy, later visit: 70% |
| Chiropractic | 2 months | $350shared with physiotherapy, osteopathy | $700 | Chiropractic, first visit: 70%Chiropractic, later visit: 70% |
| Remedial massage | 2 months | $200 | $400 | Remedial massage, first visit: 70%Remedial massage, later visit: 70% |
| Health management programs | 2 months | $200 | $400 | Health management program: 70% |
| Osteopathy | 2 months | $350shared with physiotherapy, chiropractic | $700 | Osteopathy, first visit: 70%Osteopathy, later visit: 70% |
Not covered: orthodontics, non-pbs medicines, podiatry, psychology, acupuncture, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, chinese herbal medicine, dietetics, exercise physiology, orthoptics, home nursing, occupational therapy, orthotics, speech therapy, vaccinations.
Other services: This product also includes: Health Improvement Benefits including: yoga class and courses, Pilates class and courses, quit smoking, disease management association fees, Cancer Council UV products, stress management courses, preventative tests, scans and screenings, health checks, exercise classes, swimming lessons (for ages 0-17 years). Conditions and annual limits apply. Please refer to product guide for more details.
From the insurer: This cover includes a combined limit for physiotherapy, chiropractic and osteopathy. It also includes Health Improvement benefits.
Example benefits are what the policy pays for that item at a provider without a special arrangement with the insurer; a percentage is of the fee charged. The typical policy is the middle one of the 708 extras policies on the market that aren't sold only through employers.
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Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.
Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.