Premier 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, WA, no excess, before the rebate.
- Medicare levy surcharge
- Does not exempt you
- Ambulance
- Emergency only, call-out fees included
- 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 25 services for $174.27 a month. Of the 208 other policies, 151 cost less and 8 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 25 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalshared with endodontic (root canals)$1,000typical policy $800
- Major dental$875typical policy $1,000
- Optical$250typical policy $220
- Physiotherapyshared with 4 other services$550typical policy $450
- Chiropracticshared with 4 other services$550typical policy $400
- Psychology$450typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)$42.00typical policy $35.20
- Scale and clean (item 114)$75.00typical policy $66.85
- Full crown, veneered (item 615)$680.00typical policy $773.80
- Single vision lenses and frames$250.00typical policy $220.00
- Physiotherapy, first visit$50.00typical policy $42.00
- Psychology, first visit$60.00typical policy $75.00
| Service | Waiting period | Yearly limit, per person | Per policy | Example benefits (all states) |
|---|---|---|---|---|
| General dental | 2 months | $1,000shared with endodontic (root canals) | - | Periodic oral exam (item 012): $42.00Scale and clean (item 114): $75.00Fluoride treatment (item 121): $27.00Simple extraction (item 322): $140.00 |
| Major dental | 12 months | $875 | - | Full crown, veneered (item 615): $680.00 |
| Endodontic (root canals) | 2 months | $1,000shared with general dental | - | Root canal filling (item 417): $145.00 |
| Orthodontics | 12 months | $750, $2,400 lifetime | - | Braces, upper and lower, with retainer (item 881): $750.00 |
| Optical | 6 months | $250 | - | Multifocal lenses and frames: $250.00Single vision lenses and frames: $250.00 |
| Non-PBS medicines | 2 months | $340 | $1,020 | Non-PBS prescription: $50.00 |
| Physiotherapy | 2 months | $550shared with 4 other services | $1,650 | Physiotherapy, first visit: $50.00Physiotherapy, later visit: $50.00 |
| Chiropractic | 2 months | $550shared with 4 other services | $1,650 | Chiropractic, first visit: $45.00Chiropractic, later visit: $45.00 |
| Podiatry | 2 months | $400shared with orthotics | $1,200 | Podiatry, first visit: $45.00Podiatry, later visit: $45.00 |
| Psychology | 2 months | $450 | $1,350 | Psychology, first visit: $60.00Psychology, later visit: $60.00 |
| Acupuncture | 2 months | $400shared with remedial massage, chinese herbal medicine, dietetics | $1,200 | Acupuncture, first visit: $45.00Acupuncture, later visit: $45.00 |
| Remedial massage | 2 months | $400shared with acupuncture, chinese herbal medicine, dietetics | $1,200 | Remedial massage, first visit: $45.00Remedial massage, later visit: $45.00 |
| Hearing aids | 12 months | $500 total all appliances every 2 yearsshared with blood glucose monitors | - | Hearing aid: 65% |
| Blood glucose monitors | 12 months | $500 total all appliances every 2 yearsshared with hearing aids | - | Blood glucose monitor: 65% |
| Audiology | 2 months | $425shared with orthoptics, occupational therapy, speech therapy | $1,275 | Audiology, first visit: $40.00Audiology, later visit: $40.00 |
| Antenatal and postnatal | 2 months | $550shared with 4 other services | $1,650 | Antenatal and postnatal, first visit: $45.00Antenatal and postnatal, later visit: $45.00 |
| Chinese herbal medicine | 2 months | $400shared with acupuncture, remedial massage, dietetics | $1,200 | Chinese herbal medicine, first visit: $45.00Chinese herbal medicine, later visit: $45.00 |
| Dietetics | 2 months | $400shared with acupuncture, remedial massage, chinese herbal medicine | $1,200 | Dietetics, first visit: $45.00Dietetics, later visit: $45.00 |
| Exercise physiology | 2 months | $550shared with 4 other services | $1,650 | Exercise physiology, first visit: $45.00Exercise physiology, later visit: $45.00 |
| Orthoptics | 2 months | $425shared with audiology, occupational therapy, speech therapy | $1,275 | Orthoptics, first visit: $40.00Orthoptics, later visit: $40.00 |
| Health management programs | 12 months | $250, 1 every 2 years | - | Health management program: 65% |
| Occupational therapy | 2 months | $425shared with audiology, orthoptics, speech therapy | $1,275 | Occupational therapy, first visit: $40.00Occupational therapy, later visit: $40.00 |
| Orthotics | 2 months | $400shared with podiatry | $1,200 | Orthotics: 65% |
| Osteopathy | 2 months | $550shared with 4 other services | $1,650 | Osteopathy, first visit: $45.00Osteopathy, later visit: $45.00 |
| Speech therapy | 2 months | $425shared with audiology, orthoptics, occupational therapy | $1,275 | Speech therapy, first visit: $40.00Speech therapy, later visit: $40.00 |
Not covered: home nursing, vaccinations.
Other services: Periodic Oral Examination - 2 free up to $60 and $42 for additional services. Scale and clean - 2 free up to $120 and $75 for additional services. Fluoride Treatment - 2 free up to $36 and $27 for additional services. A benefit is also payable for myotherapy, Chinese medicine, health appliances & aids such as CPAP or TENS machine, crutches, knee braces, splints, cam boot, medical gases, nebuliser, asthma and peak flow meters, immunotherapy, skin prick test, EpiPen, infant sleep school, Australian breast feeding association, school accident top up, wheelchair hire, QUIT course, nicotine replacement, travel for medical outpatient visits and a 100% rebate on full ambulance subscriptions when paid voluntarily but not as a state tax or levy. When 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.