Core Families Extras
An extras policy from Latrobe Health Services.
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 parent, SA, 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 parent cover, counting policies anyone can buy. Further right covers more services, higher up costs more.
It covers 14 services for $72.22 a month. Of the 208 other policies, 26 cost less and 120 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 parent premium in each state
To the nearest dollar, a month before the rebate. The tables below have every price to the cent.
Pays towards 14 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalshared with endodontic (root canals)$375typical policy $800
- Optical$200typical policy $220
- Physiotherapyshared with 5 other services$200typical policy $450
- Chiropracticshared with 5 other services$200typical policy $400
- Psychology$225typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)$32.00typical policy $35.20
- Scale and clean (item 114)$60.00typical policy $66.85
- Single vision lenses and frames$200.00typical policy $220.00
- Physiotherapy, first visit$40.00typical 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): $32.00Scale and clean (item 114): $60.00Fluoride treatment (item 121): $20.00 |
| Endodontic (root canals) | 2 months | $375shared with general dental | - | Root canal filling (item 417): $131.80 |
| Optical | 6 months | $200 | - | Single vision lenses and frames: $200.00 |
| Physiotherapy | 2 months | $200shared with 5 other services | $600 | Physiotherapy, first visit: $40.00Physiotherapy, later visit: $40.00 |
| Chiropractic | 2 months | $200shared with 5 other services | $600 | Chiropractic, first visit: $30.00Chiropractic, later visit: $30.00 |
| Psychology | 2 months | $225 | $675 | Psychology, first visit: $30.00Psychology, later visit: $30.00 |
| Acupuncture | 2 months | $150shared with remedial massage, dietetics | $450 | Acupuncture, first visit: $30.00Acupuncture, later visit: $30.00 |
| Remedial massage | 2 months | $150shared with acupuncture, dietetics | $450 | Remedial massage, first visit: $35.00Remedial massage, later visit: $35.00 |
| Antenatal and postnatal | 2 months | $200shared with 5 other services | $600 | Antenatal and postnatal, first visit: $30.00Antenatal and postnatal, later visit: $30.00 |
| Dietetics | 2 months | $150shared with acupuncture, remedial massage | $450 | Dietetics, first visit: $30.00Dietetics, later visit: $30.00 |
| Exercise physiology | 2 months | $200shared with 5 other services | $600 | Exercise physiology, first visit: $30.00Exercise physiology, later visit: $30.00 |
| Health management programs | 12 months | $225 per membership across all appliances every 2 years | - | Health management program: 65% |
| Osteopathy | 2 months | $200shared with 5 other services | $600 | Osteopathy, first visit: $40.00Osteopathy, later visit: $40.00 |
| Speech therapy | 2 months | $200shared with 5 other services | $600 | Speech therapy, first visit: $30.00Speech therapy, later visit: $30.00 |
Not covered: major dental, orthodontics, non-pbs medicines, podiatry, hearing aids, blood glucose monitors, audiology, chinese herbal medicine, orthoptics, home nursing, occupational therapy, orthotics, vaccinations.
Other services: Periodic Oral Examination - 1 free up to $60 and $32 for additional services. Scale and clean - 1 free up to $120 and $60 for additional services. Fluoride Treatment - 2 free up to $36 and $20 for additional services. A benefit is also payable for myotherapy, health appliances & aids such as crutches, knee braces, splints, cam boot, nebuliser, asthma and peak flow meters 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.
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.