Super Extras

Super Extras is our top stand-alone extras cover that offers benefits towards an extensive range of healthcare services not covered by Medicare.

The annual limit is per person, per calendar year unless otherwise specified. A calendar year runs from January until December.
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*Prices displayed assume no lifetime health cover loading and base tier government rebate included. Price may vary if details change.

Extras Benefits

Benefits as of April 1, 2019

General Dental

Waiting Period: 2 months
  Benefit Annual Limit
    $1000

Preventative dental (examinations, x-rays, scale and clean, fissure sealing).

*Regular fee refers to the average fee your dentist charges for each eligible service      

100% of dentist’s regular fee up to maximum benefit per service Limit of two general dental consultations per person, per calendar year
Comprehensive oral examination         100% of dentist’s regular fee up to maximum benefit per service Limit of two general dental consultations per person, per calendar year
Scale and clean 100% of dentist’s regular fee up to maximum benefit per service  
Simple extraction $101  
Mouthguard $95 Limit of one per person, per calendar year
1 surface filling – posterior tooth $91  

Major Dental

Waiting Period: 12 months
  Benefit Annual Limit
    $1500
Periodontics   $1000 sub-limit
Course of non-surgical treatment. (Fixed rebates apply to some periodontics services)        70%  
Endodontics   $1000 sub-limit
Preparation of root canal – one canal $165  
Root canal obturation – one canal $172  
Crowns and bridges   $1000 sub-limit
Full crown veneered – indirect $810  
Procedures for dental implants   $1000 sub-limit
Full crown attached to implant-veneer-indirect $630  
Dentures   $800 sub-limit
Complete upper denture $505  
Complete upper and lower denture $800 Limit of one upper and one lower denture per person, payable every two calendar years
Orthodontics   $1000 sub-limit
Course of treatment (Fixed rebates apply on some orthodontic services) 100%  
Lifetime limit   $2800

Pharmacy

Waiting Period: 2 months
  Benefit Annual Limit
    $600
Per non-PBS prescription $70 $1000 sub-limit

For prescriptions not covered by the PBS, excluding anabolic steroids, items normally available without prescriptions and drugs not approved for sale in Australia. A co-payment applies to each prescription item equal to the current non-concessional PBS co-payment amount.
 

Optical

Waiting Period: 6 months
  Benefit Annual Limit
*includes benefit towards hardening of lenses   $300
Frames 100% of fee up to annual limit  
Single-vision lenses*    100% of fee up to annual limit  
Bi-focal lenses* 100% of fee up to annual limit  
Multi-focal lenses* 100% of fee up to annual limit  
Soft contacts $300  
Hard contacts $300  
Disposable contacts (12-month supply) $300  
Repairs to frames $25  

Physiotherapy

Waiting Period: 2 months
  Benefit Annual Limit
    $850
Physiotherapy – initial $55  
Physiotherapy – subsequent $45  
Exercise physiology – initial $45 $200 sub-limit
Exercise physiology – subsequent $35  
Approved group sessions (including hydrotherapy) $15 $300 sub-limit
Ante-natal / Post-natal $25 $400 sub-limit
Lymphedema $40 Included in physiotherapy limit

Other Therapies

Waiting Period: 2 months
  Benefit Annual Limit
    $1,000
Podiatry – initial $40 $400 sub-limit
Podiatry – subsequent $32  
Occupational therapy – initial $70 $400 sub-limit
Occupational therapy – subsequent $49  
Eye therapy – initial $65 $400 sub-limit
Eye therapy – subsequent $38  
Speech therapy – initial $80 $400 sub-limit
Speech therapy – subsequent $52  
Dietetics – initial $75 $200 sub-limit
Dietetics – subsequent $45  

Clinical Psychology

Waiting Period: 12 months
  Benefit Annual Limit
    $400
Initial consultation $85  
Subsequent consultation $80  

Home Nursing

Waiting Period: 2 months
  Benefit Annual Limit
    $500
Per service (For services rendered by a registered nurse in private practice) $50  

Health Appliances and Aids

Waiting Period: 12 months
  Benefit Annual Limit
*a full list is available on request from St.LukesHealth   $1,000
Foot orthotics (custom-made) 85% $200
Repair to custom-made foot orthotics $30 Limit of one repair per person, per calendar year
Other specified orthotics*
(eg: Custom-made spinal and knee braces)
90% Limits apply to individual items
Specified prosthetic appliances*
(eg: Breast prosthesis after mastectomy)
90% Limits apply to individual items
Other specified health aids*
(eg blood glucose monitor, nebuliser)
90% Limits apply to individual items

Audiology

Waiting Period: 2 months
  Benefit Annual Limit
    2 per year
Per consultation $40  

Only payable when service rendered by an audiologist in private practice and approved by this fund. Benefit will not be payable if the service is claimable for any other source.

Diabetes Education

Waiting Period: 2 months
  Benefit Annual Limit
Initial consultation $55 Included in dietetics limit
Subsequent consultation $45 Included in dietetics limit

Health Management Programs

Waiting Period: 3 months
  Benefit Annual Limit
Singles policy – per year 70% $125
Family/couples policy, per year 70% $250

Benefits are payable for approved health management programs. Limits apply to the policy, not to each person covered by the policy. Health management programs are only available when Super Extras is combined with hospital cover from our stand-alone hospital range. Contact St.LukesHealth for more information.
 

Member Rewards

Waiting Period: 5-year qualifying period
  Benefit Annual Limit
5% increase in dental benefits
(Excluding preventative services paid under Gap Free Preventative Dental)
Yes  
5% increase in annual dental limits Yes  
Member reward benefits are payable after five years of continuous membership on an eligible St.LukesHealth product. Qualifying conditions apply, find out more here    

 

Alternative Therapies

Waiting Period: 2 months
  Benefit Annual Limit
    $500

Chiropractic – initial   

$40 $400 sub-limit
Chiropractic – subsequent       $28  
Chiropractic – x-rays $60 Included in chiropractic limit
Osteopathic – initial $50 Included in chiropractic limit
Osteopathic – subsequent $40  
Acupuncture – initial $35 $400 sub-limit
Acupuncture – subsequent $30  
Natural therapies – initial
(Includes Chinese consultations and Myotherapy)
$32 $400 sub-limit
Natural therapies – subsequent
(Includes Chinese consultations and Myotherapy)
$28  
Remedial Massage – initial $35 Included in Natural Therapies limit
Remedial Massage – subsequent $30 Included in Natural Therapies limit

The overall limit for each service category is highlighted. Some categories have sub-limits, which are included in the overall limit for that service category.
Important: For information on waiting periods, including pre-existing conditions, restrictions and/or excesses refer to our membership conditions.

Need help deciding?

Our friendly staff are only a phone call away and are trained to provide. personalised service to assist you in choosing the level of health cover you require

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