value extras
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, VIC, 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 13 services for $44.50 a month. Of the 214 other policies, 43 cost less and 129 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 | $44.50 | $89.00 | $89.00 | $75.70 | $122.40 | $91.20 |
| VIC | $36.70 | $73.40 | $73.40 | $62.40 | $100.90 | $75.10 |
| QLD | $40.80 | $81.60 | $81.60 | $69.40 | $112.20 | $83.60 |
| SA | $46.05 | $92.10 | $92.10 | $78.30 | $126.60 | $94.40 |
| WA | $39.90 | $79.80 | $79.80 | $67.80 | $109.70 | $81.80 |
| TAS | $36.85 | $73.70 | $73.70 | $62.60 | $101.30 | $75.50 |
| NT | $37.85 | $75.70 | $75.70 | $64.40 | $104.10 | $77.60 |
Pays towards 13 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalshared with major dental, endodontic (root canals)$650typical policy $800
- Major dentalshared with general dental, endodontic (root canals)$650typical policy $1,000
- Optical$180typical policy $220
- Physiotherapy$200typical policy $450
- Chiropractic$200typical policy $400
- Psychologyshared with non-pbs medicines, health management programs$100typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)$28.55typical policy $35.20
- Scale and clean (item 114)$66.30typical policy $66.85
- Full crown, veneered (item 615)$459.00typical policy $773.80
- Single vision lenses and frames100% of the feetypical policy $220.00
- Physiotherapy, first visit$34.00typical policy $42.00
- Psychology, first visit$53.00typical policy $75.00
| Service | Waiting period | Yearly limit, per person | Per policy | Example benefits (all states) |
|---|---|---|---|---|
| General dental | None | $650shared with major dental, endodontic (root canals) | $1,300 | Periodic oral exam (item 012): $28.55Scale and clean (item 114): $66.30Fluoride treatment (item 121): $21.40Simple extraction (item 322): $99.00 |
| Major dental | 12 months | $650shared with general dental, endodontic (root canals) | $1,300 | Full crown, veneered (item 615): $459.00 |
| Endodontic (root canals) | 12 months | $650shared with general dental, major dental | $1,300 | Root canal filling (item 417): $108.50 |
| Optical | None | $180 | $360 | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Non-PBS medicines | None | $100shared with psychology, health management programs | $200 | Non-PBS prescription: $40.00 |
| Physiotherapy | None | $200 | $400 | Physiotherapy, first visit: $34.00Physiotherapy, later visit: $26.00 |
| Chiropractic | None | $200 | $400 | Chiropractic, first visit: $34.00Chiropractic, later visit: $26.00 |
| Psychology | None | $100shared with non-pbs medicines, health management programs | $200 | Psychology, first visit: $53.00Psychology, later visit: $34.00 |
| Acupuncture | None | $200shared with remedial massage, exercise physiology | $400 | Acupuncture, first visit: $18.00Acupuncture, later visit: $18.00 |
| Remedial massage | None | $200shared with acupuncture, exercise physiology | $400 | Remedial massage, first visit: $23.00Remedial massage, later visit: $23.00 |
| Exercise physiology | None | $200shared with acupuncture, remedial massage | $400 | Exercise physiology, first visit: $18.00Exercise physiology, later visit: $18.00 |
| Health management programs | None | $100shared with non-pbs medicines, psychology | $200 | Health management program: $10.00 |
| Osteopathy | None | $200 | $400 | Osteopathy, first visit: $34.00Osteopathy, later visit: $26.00 |
Not covered: orthodontics, podiatry, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, chinese herbal medicine, dietetics, orthoptics, home nursing, occupational therapy, orthotics, speech therapy, vaccinations.
Other services: This cover also includes Health Improvement Benefits including: Yoga, Pilates, Quit Smoking, Disease management association fees, Cancer Council UV products, Stress management courses, Preventative tests, scans and screenings, Health checks and Exercise classes. Conditions and annual limits apply. Please refer to product guide for more details. This product also includes unlimited emergency ambulance.
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.