Lifestyle 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, NSW & ACT, 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 25 services for $72.00 a month. Of the 396 other policies, 149 cost less and 22 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 | $72.00 | $144.00 | $144.00 | $126.00 | $180.00 | $151.20 | $72.00 |
| VIC | $72.00 | $144.00 | $144.00 | $126.00 | $180.00 | $151.20 | $72.00 |
| QLD | $72.00 | $144.00 | $144.00 | $126.00 | $180.00 | $151.20 | $72.00 |
| SA | $72.00 | $144.00 | $144.00 | $126.00 | $180.00 | $151.20 | $72.00 |
| WA | $72.00 | $144.00 | $144.00 | $126.00 | $180.00 | $151.20 | $72.00 |
| TAS | $72.00 | $144.00 | $144.00 | $126.00 | $180.00 | $151.20 | $72.00 |
| NT | $72.00 | $144.00 | $144.00 | $126.00 | $180.00 | $151.20 | $72.00 |
Pays towards 25 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalNo annual limittypical policy $800
- Major dentalshared with endodontic (root canals)$700typical policy $1,000
- Optical$225typical policy $220
- Physiotherapyshared with exercise physiology$450typical policy $450
- Chiropracticshared with osteopathy$400typical policy $400
- Psychology$300typical 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)$700.00typical 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 | No annual limit | Periodic oral exam (item 012): $37.60Scale and clean (item 114): $70.80Fluoride treatment (item 121): $20.60 |
| Major dental | 12 months | $700shared with endodontic (root canals) | Surgical extraction (item 322): $124.70Full crown, veneered (item 615): $700.00 |
| Endodontic (root canals) | 12 months | $700shared with major dental | Root canal filling (item 417): $117.40 |
| Orthodontics | 12 months | $700 | Braces, upper and lower, with retainer (item 881): $700.00 |
| Optical | 2 months | $225 | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Non-PBS medicines | 2 months | $150shared with vaccinations | Non-PBS prescription: $60.00 |
| Physiotherapy | 2 months | $450shared with exercise physiology | Physiotherapy, first visit: $97.00Physiotherapy, later visit: $79.00 |
| Chiropractic | 2 months | $400shared with osteopathy | Chiropractic, first visit: $66.00Chiropractic, later visit: $43.00 |
| Podiatry | 2 months | $250shared with orthotics | Podiatry, first visit: $68.00Podiatry, later visit: $55.00 |
| Psychology | 2 months | $300 | Psychology, first visit: $200.00Psychology, later visit: $165.00 |
| Acupuncture | 2 months | $250shared with remedial massage | Acupuncture, first visit: $76.00Acupuncture, later visit: $62.00 |
| Remedial massage | 2 months | $250shared with acupuncture | Remedial massage, first visit: $60.00Remedial massage, later visit: $52.00 |
| Hearing aids | 12 months | $1,000 | Hearing aid: $1,000.00 |
| Blood glucose monitors | 12 months | $300shared with health management programs | Blood glucose monitor: $50.00 |
| Audiology | 2 months | $400shared with 5 other services | Audiology, first visit: $145.00Audiology, later visit: $115.00 |
| Antenatal and postnatal | 2 months | $400shared with 5 other services | Antenatal and postnatal, first visit: $40.00Antenatal and postnatal, later visit: $40.00 |
| Dietetics | 2 months | $400shared with 5 other services | Dietetics, first visit: $105.00Dietetics, later visit: $68.00 |
| Exercise physiology | 2 months | $450shared with physiotherapy | Exercise physiology, first visit: $77.00Exercise physiology, later visit: $54.00 |
| Orthoptics | 2 months | $400shared with 5 other services | Orthoptics, first visit: $118.00Orthoptics, later visit: $112.00 |
| Health management programs | 2 months | $300shared with blood glucose monitors | Health management program: $20.00 |
| Occupational therapy | 2 months | $400shared with 5 other services | Occupational therapy, first visit: $103.00Occupational therapy, later visit: $81.00 |
| Orthotics | 12 months | $250shared with podiatry | Orthotics: $100.00 |
| Osteopathy | 2 months | $400shared with chiropractic | Osteopathy, first visit: $80.00Osteopathy, later visit: $65.00 |
| Speech therapy | 2 months | $400shared with 5 other services | Speech therapy, first visit: $155.00Speech therapy, later visit: $91.00 |
| Vaccinations | 2 months | $150shared with non-pbs medicines | Vaccination: $60.00 |
Not covered: chinese herbal medicine, home nursing.
Preventative dental is not counted against the dental limit.
Other services: Myotherapy added to a combined Remedial Massage and Acupuncture limit, with 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. Tests & Programs benefits for Nicotine Replacement and Quit Smoking Programs up to $45 sharing a combined limit with Blood Glucose Monitors (Medically Prescribed Devices) with benefits for Blood Pressure Monitor up to $50, Tens Machine up to $80, Compression Garments up to $60. Benefits payable for Private Hospital Emergency Department services up to $100 payable towards any attendance or facility fees charged by the Private Hospital where the member has attended a Private Accident and Emergency Department. 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 grouped with combined Acupuncture and Remedial massage limit. Benefits covered for Online Cognitive Behavioural Therapy Courses are under Psychology limit. Tests and Programs, Blood pressure monitors, TENS machines and compression garments are grouped with Blood glucose monitors. Private Hospital Emergency Department Benefit up to $100.
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.