Smart Starter Bronze Plus & Total Extras

Not covered: chiropractic, chinese herbal medicine, osteopathy.

Preventative dental is not counted against the dental limit.

Other services: Major dental has sub-limits and is paid at fixed benefits per item. Combined annual limit of $1,000 for podiatry, dietetics, orthoptics, occupational therapy, speech therapy and pregnancy care (sub-limits of $600 per therapy and $200 per pair for orthotics up to 2 pairs per year). Group physiotherapy and hydrotherapy $20 per session. Benefit of $800 each for one left and one right hearing aid every 5 years. Benefit for laser eye surgery to each eye every 5 years. Home nursing $30 per visit up to 6 hours, $60 per visit over 6 hours. Pharmacy benefits paid at 85% of charge above the PBS co-payment to a maximum of $70 per prescription (sub-limit applies for weight loss medications).

From the insurer: Premium extras with comprehensive dental including orthodontics and high benefits and limits across therapies. 100% back for dental checkups, bitewing x-rays and fissure sealings at the provider of your choice. No sub-limits on optical benefits – use the full $700 on your choice of contact lenses or frames fitted with prescription lenses. Laser eye surgery benefit of $800 per eye once every 5 years. Premium support for mental health with a $900 limit per year. Health management includes services such as acupuncture, weight loss classes and class physiotherapy for the treatment of a specific diagnosed condition.

Orthodontic services accrue to a lifetime limit of $3,000 at $600 per year of membership. $700 optical limit every 2 years. Individual and group physiotherapy and hydrotherapy claimable under physiotherapy. Class physiotherapy and acupuncture claimable through health management when prescribed by your medical practitioner.

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.

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.