Flex Extras
An extras policy from Defence Health.
- Defence Health only takes current or former members of the ADF and the Defence community and their families.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement Defence Health files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, WA, no excess, before the rebate.
- Medicare levy surcharge
- Does not exempt you
- Ambulance
- Emergency and non-emergency, call-out fees included, no limit
- Who can join
- Restricted
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Defence Health's page for this policyAgainst every other extras policy in NSW & ACT
Single cover, corporate and restricted policies included. Further right covers more services, higher up costs more.
It covers 13 services for $56.00 a month. Of the 396 other policies, 97 cost less and 271 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 | Dependants only |
|---|---|---|---|---|---|---|---|
| NSW & ACT | $56.00 | $112.00 | $112.00 | $98.00 | $140.00 | $117.60 | $56.00 |
| VIC | $56.00 | $112.00 | $112.00 | $98.00 | $140.00 | $117.60 | $56.00 |
| QLD | $56.00 | $112.00 | $112.00 | $98.00 | $140.00 | $117.60 | $56.00 |
| SA | $54.00 | $108.00 | $108.00 | $94.50 | $135.00 | $113.40 | $54.00 |
| WA | $50.00 | $100.00 | $100.00 | $87.50 | $125.00 | $105.00 | $50.00 |
| TAS | $54.00 | $108.00 | $108.00 | $94.50 | $135.00 | $113.40 | $54.00 |
| NT | $54.00 | $108.00 | $108.00 | $94.50 | $135.00 | $113.40 | $54.00 |
Pays towards 13 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalshared with major dental, endodontic (root canals)$600typical policy $800
- Major dentalshared with general dental, endodontic (root canals)$600typical policy $1,000
- Optical$200typical policy $220
- Physiotherapyshared with exercise physiology$350typical policy $450
- Chiropracticshared with osteopathy$250typical policy $400
- Psychology$200typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)$37.60typical policy $35.20
- Scale and clean (item 114)$70.80typical policy $66.85
- Full crown, veneered (item 615)$600.00typical policy $773.80
- Single vision lenses and frames100% of the feetypical policy $220.00
- Physiotherapy, first visit$97.00typical policy $42.00
- Psychology, first visit$200.00typical policy $75.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dental | 2 months | $600shared with major dental, endodontic (root canals) | Periodic oral exam (item 012): $37.60Scale and clean (item 114): $70.80Fluoride treatment (item 121): $20.60 |
| Major dental | 12 months | $600shared with general dental, endodontic (root canals) | Surgical extraction (item 322): $124.70Full crown, veneered (item 615): $600.00 |
| Endodontic (root canals) | 12 months | $600shared with general dental, major dental | Root canal filling (item 417): $117.40 |
| Optical | 2 months | $200 | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Non-PBS medicines | 2 months | $100shared with vaccinations | Non-PBS prescription: $60.00 |
| Physiotherapy | 2 months | $350shared with exercise physiology | Physiotherapy, first visit: $97.00Physiotherapy, later visit: $79.00 |
| Chiropractic | 2 months | $250shared with osteopathy | Chiropractic, first visit: $66.00Chiropractic, later visit: $43.00 |
| Psychology | 2 months | $200 | Psychology, first visit: $200.00Psychology, later visit: $165.00 |
| Acupuncture | 2 months | $200shared with remedial massage | Acupuncture, first visit: $76.00Acupuncture, later visit: $62.00 |
| Remedial massage | 2 months | $200shared with acupuncture | Remedial massage, first visit: $60.00Remedial massage, later visit: $52.00 |
| Exercise physiology | 2 months | $350shared with physiotherapy | Exercise physiology, first visit: $77.00Exercise physiology, later visit: $54.00 |
| Osteopathy | 2 months | $250shared with chiropractic | Osteopathy, first visit: $80.00Osteopathy, later visit: $65.00 |
| Vaccinations | 2 months | $100shared with non-pbs medicines | Vaccination: $60.00 |
Not covered: orthodontics, podiatry, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, chinese herbal medicine, dietetics, orthoptics, health management programs, home nursing, occupational therapy, orthotics, speech therapy.
Other services: Myotherapy added to combined Remedial Massage and Acupuncture limit, initial consultation up to $68, subsequent consultation up to $58. Group Physiotherapy sessions up to $29 and Group Exercise Physiology sessions up to $18, both part of combined Physiotherapy and Exercise Physiology limit. Benefits covered for Online Cognitive Behavioural Therapy Courses, up to $50 per course combined with Psychology limit. Accredited Counsellors and Mental Health Social Workers are included as approved providers under Psychology, refer to Product Guides for further information.
From the insurer: Myotherapy added to combined Remedial Massage and Acupuncture limit. Group Physiotherapy sessions and Group Exercise Physiology both under combined Physiotherapy and Exercise Physiology limit. Benefits covered for Online Cognitive Behavioural Therapy Courses are covered under Psychology limit.
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.