Core Essential Extras
An extras policy from Latrobe Health Services.
- Only sold with hospital cover.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement Latrobe Health Services 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 only, call-out fees included, no limit
- Who can join
- Anyone
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Latrobe Health Services'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 11 services for $35.78 a month. Of the 396 other policies, 41 cost less and 300 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 | $35.78 | $71.57 | $71.57 | $53.68 | $89.46 | $62.62 |
| VIC | $35.78 | $71.57 | $71.57 | $53.68 | $89.46 | $62.62 |
| QLD | $35.78 | $71.57 | $71.57 | $53.68 | $89.46 | $62.62 |
| SA | $34.03 | $68.06 | $68.06 | $51.05 | $85.08 | $59.55 |
| WA | $30.17 | $60.35 | $60.35 | $45.26 | $75.43 | $52.80 |
| TAS | $32.98 | $65.96 | $65.96 | $49.47 | $82.45 | $57.71 |
| NT | $35.78 | $71.57 | $71.57 | $53.68 | $89.46 | $62.62 |
Pays towards 11 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalshared with endodontic (root canals)$375typical policy $800
- Optical$175typical policy $220
- Physiotherapyshared with 6 other services$350typical policy $450
- Chiropracticshared with 6 other services$350typical policy $400
- Psychology$200typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)50% of the feetypical policy $35.20
- Scale and clean (item 114)50% of the feetypical policy $66.85
- Single vision lenses and frames$175.00typical policy $220.00
- Physiotherapy, first visit$30.00typical policy $42.00
- Psychology, first visit$30.00typical policy $75.00
| Service | Waiting period | Yearly limit, per person | Per policy | Example benefits (all states) |
|---|---|---|---|---|
| General dental | 2 months | $375shared with endodontic (root canals) | - | Periodic oral exam (item 012): 50%Scale and clean (item 114): 50%Fluoride treatment (item 121): $36.00Simple extraction (item 322): 50% |
| Endodontic (root canals) | 2 months | $375shared with general dental | - | Root canal filling (item 417): 50% |
| Optical | 6 months | $175 | - | Multifocal lenses and frames: $175.00Single vision lenses and frames: $175.00 |
| Physiotherapy | 2 months | $350shared with 6 other services | $700 | Physiotherapy, first visit: $30.00Physiotherapy, later visit: $30.00 |
| Chiropractic | 2 months | $350shared with 6 other services | $700 | Chiropractic, first visit: $30.00Chiropractic, later visit: $30.00 |
| Psychology | 2 months | $200 | - | Psychology, first visit: $30.00Psychology, later visit: $30.00 |
| Acupuncture | 2 months | $350shared with 6 other services | $700 | Acupuncture, first visit: $30.00Acupuncture, later visit: $30.00 |
| Remedial massage | 2 months | $350shared with 6 other services | $700 | Remedial massage, first visit: $30.00Remedial massage, later visit: $30.00 |
| Dietetics | 2 months | $350shared with 6 other services | $700 | Dietetics, first visit: $30.00Dietetics, later visit: $30.00 |
| Exercise physiology | 2 months | $350shared with 6 other services | $700 | Exercise physiology, first visit: $30.00Exercise physiology, later visit: $30.00 |
| Osteopathy | 2 months | $350shared with 6 other services | $700 | Osteopathy, first visit: $30.00Osteopathy, later visit: $30.00 |
Not covered: major dental, orthodontics, non-pbs medicines, podiatry, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, chinese herbal medicine, orthoptics, health management programs, home nursing, occupational therapy, orthotics, speech therapy, vaccinations.
Other services: Periodic Oral Examination - $60 for 1 service, 50% for additional services. Scale and clean - $120 for 1 service, 50% for additional services. Fluoride Treatment - $36 for 2 services, limit 2 services per person per year. A benefit is also payable for myotherapy, health appliances & aids such as crutches, knee braces, splints, cam boot and a 50% rebate on full ambulance subscriptions when paid voluntarily but not as a state tax or levy. When this extras cover is coupled with a hospital cover a benefit bonus will also accumulate.
From the insurer: When combined with hospital, also includes a Benefit Bonus of $50 each year per person capped at $100 per membership, accruing up to $250 per person capped at $500 per membership. For Couple and Family memberships, each person may only claim up to 50% of the accrued benefit bonus in any one year. Benefit Bonus limits refresh each year on join anniversary. If unused, benefit bonus rolls over up to a maximum of 5 years' benefit ($250 per person capped at $500 per membership)
Periodic Oral Examination - 1 free up to $60, Scale and clean - 1 free up to $120, Fluoride Treatment - 2 free up to $36.
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.