Gold Extras

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Protecting the health of yourself and your loved ones is important. You want the most comprehensive level of extras cover that provides for the health needs of yourself and everyone in your family. This doesn’t include hospital cover.

Our highest extras cover.

General dental with no annual limits
High Cost dental with generous limits & loyalty bonuses after 5 years cover
Optical cover - 100% cover up to $300 per person per year
Physio
Chiro
Osteo
Natural Therapies
Psychology
Orthotics
Health Management benefits
Pharmacy
100% national Ambulance Cover

Service		Gold Extras (Effective from 1 April 2011)
		Benefit	Annual Limit
General Dental	Basic Restoration (fillings)	Set benefits per dental item	No annual limit
	Diagnostic Services
	Extractions
	Oral Surgery
	Periodontics
	Endodontics (Root Canal Therapy)
High Cost Dental	Crowns & Bridges	Set benefits per dental item	$1,000 ($1,500 loyalty limit)
	Dentures		$650 ($840 loyalty limit)
	Implants		$1,000
	Orthodontics	80% of cost	Lifetime Limit - $2,100 ($2,600 loyalty limit)
Optical	Glasses & Contact Lenses	100% of cost	$300
Optical	Laser Eye Surgery	100% of cost	$500 per eye
Pharmacy	Prescriptions only*	100% of the cost $65 per script	$500 per person/ $1,000 per family
Physiotherapy and other therapies	Physiotherapy	Initial Consultation $40 Consultations 2 – 10 $30 Consultations 11+ $20	$550 per person/ $1,100 per family
	Occupational Therapy	Initial Consultation $60 Subsequent Consultation $35
	Hydrotherapy	80% of cost to $10 Limit - $200 per person / $400 per family
Chiropractic	Chiropractic	Initial Consultation $35 Consultations 2 – 10 $25 Consultations 11+ $15	$550 per person/ $1,100 per family
Chiropractic	Chiropractic Xray	80% of cost	$550 per person/ $1,100 per family
Complementary Therapies	Remedial Massage	Initial Consultation $35 Consultations 2 – 10 $25 Consultations 11+ $15	$435 per person/ $870 per family
	Osteopathy
	Myotherapy
	Homeopathy
	Naturopathy
	Herbal Medicine Consultation
	Acupuncture
	Podiatry
	Dietetics
Other benefits	Orthotics	80% of cost	$250 per person/ $500 per family every 2 years
	Pre / Post Natal Classes	80% of cost	$150
	Home Nursing	80% of cost up to $45 per visit/ $90 per day	$1,000
	Speech Therapy	80% of cost	$800
	Hearing Aids	80% of cost	$1,500 every 5 years
	Psychology	Initial consultation - 80% up to $120 Subsequent consultation - 80% up to $60	$500 per person/ $650 per family
	Allergy Treatment	80% of cost	$100
	Surgical Equipment/ Health Aids	Year 1 50% of cost Year 2 50% of cost Year 3 60% of cost Year 4 70% of cost Year 5+ 80% of cost	$400 $625 $750 $875 $1,000
	Health Management Programs	100% of cost	$150 (single)/ $300 (family)
Ambulance	National ambulance cover	100% of cost	No annual limit

General Conditions

Annual limits are per person unless specified otherwise.
Optical benefits apply when prescribed by a registered optometrist. Benefits will only be paid where sight correction is necessary. No benefit is payable for sunglasses.
High Cost Dental: Loyality Limits apply after 5 years of continuous membership on Gold Extras.
*Pharmacy benefit applies after the maximum PBS amount of $35.40 has been deducted.
There are no pharmacy benefits for contraceptives or over the counter medicine.
Annual limits are for a financial year. i.e. 1 July – 30 June.
Please see fund brochure or cover description for full product information.
We recommend you contact the Fund to confirm your benefits before undergoing treatment.