Flex Up Extras Cover

Most Common Rate
$35.84*

per week

*Price is for Single cover in NSW, in combination with Bronze Plus Hospital $750 excess and includes an Australian Government Rebate of 24.288% with a 0% Lifetime Health Cover Loading. 

Get a quote

Flex Up Extras is ideal for singles, couples and families looking for more flexibility and choice within their Extras cover. 

Enjoy the flexibility to use a combined $1,000 per financial year (single limit) across a range of services including Dental, Physiotherapy, Chiropractic, Osteopathy, Natural Therapies*, and Health Management programs*.

This cover also includes optical limits of $200 per person.

Additionally, you’ll be covered for unlimited ambulance services nationwide after a one-day waiting period has been served. Read more about our ambulance cover.

*Sub-limit of $200 applies on Natural Therapies and sub-limit of $150 applies on Health Management Programs. 

Flex Up Extras is only available in combination with a Hospital product. 

Prices quoted have been rounded within 10 cents.

Benefits:

Service Waits Benefit Annual Limit
Ambulance National Ambulance cover 1 day 100%

No limit
Optical Glasses and contact lenses 6 months 100% of cost

$200 per person
Dental Major Dental 12 months 60%

 











$1,000 per person (combined annual limit)

$200 sub-limit for Natural Therapies

$150 sub-limit for Health Management Programs

 
General Dental










2 months










60%
Physiotherapy and Other Therapies Physiotherapy
Occupational therapy
Exercise Physiology
Chiropractic and Osteopathic Chiropractic
Osteopathic
Psychology Psychology
Natural Therapies Chinese herbal consults
Remedial massage
Acupuncture
Dietetics
Health Management Programs Preventative health 6 months 60%

What's covered

6 month waiting period.

Preventative, x-rays, basic restorations, basic surgery & extractions.^

2 month waiting period.

^There are some tricky rules about dental item numbers and some sub-limits in all levels of dental cover. Please make sure you contact us for a quote before getting treatment.

Periodontics, endodontics, crowns and bridges, implants, dentures. 

12 month waiting period.

2 month waiting period.

  • Physiotherapy
  • Occupational therapy
  • Exercise physiology

2 month waiting period.

2 month waiting period.

  • Chinese herbal consults
  • Remedial massage
  • Acupuncture
  • Dietetics

$200 sub-limit applies.

Psych/group therapy.

2 month waiting period.

Travel expenses. Conditions apply. Please call us for more information and eligibility.

6 month waiting period. $150 sub-limit applies.

1-day waiting period.

Benefit percentage: 100%.

What's covered 100% nationwide What's not covered
  • Emergency ambulance treatment and transport to hospital via road, air and sea by a state ambulance provider
  • Non-emergency road and air ambulance transport by a state ambulance provider
  • Emergency ambulance treatment without transport
  • Emergency ambulance transport between hospitals
  • Unlimited nationwide
  • General patient transport, e.g. hospital to home, nursing home, medical appointments
  • Ambulance subscriptions, fees and state-based levies
  • Ambulance services that are paid for by the Government, compensation or other kinds of insurance
  • Any transport provided by a non-recognised state ambulance provider

 

father lifting child above his head

Need more cover?

Upgrade to High Extras to get 70% benefits on some services, increased set benefits & annual limits and add on:

  • Orthodontics
  • Laser eye surgery
  • Speech therapy
  • Health aids & wellness including equipment (every 3 years), services like home nursing & custom made or heat moulded orthotics (every 2 years)
  • Hearing aids
High Extras

How to make an Extras claim

Option 1. Swipe your card and claim instantly

EFTPOS-style claiming is easy. Swipe your membership card and the claim is paid. On-the-spot claiming, called HICAPS, is available at most health providers like dentists, optometrists, physios, chiros and more. You just pay the difference between their fee and your fund benefit – no claim form needed.

Option 2. Claim with our mobile app

Forgot your membership card or have a more complex claim? Our mobile app is all about making claiming a breeze. Simply take a photo of your receipt on your smart phone or tablet, open our app, submit your pic and your claim will be sent to us in record time. Download the app by searching ‘Peoplecare’ on the Google Play store or App Store.

Extras cover - more information

  • Annual limits are for a financial year (1 July - 30 June) and are usually per person (unless it says otherwise).
  • Optical benefits (glasses & contacts) are paid when glasses or contacts are prescribed by a registered optometrist. They have to be for sight correction and we don't pay on non-prescription sunglasses.
  • Love a healthy smile - We've teamed up with the smile.com.au network of quality dentists. Visit any of the smile.com.au dentists around the country and you’ll receive 15%–40% OFF their usual fee for all treatments – just for having Extras cover with Peoplecare. Receive No-Gap* Preventative Dental, including up to 2 x No Gap* check-up and clean packages at a smile.com.au dentist, plus a no-gap mouthguard once per financial year. *Terms and conditions apply.
  • Health Management - We pay benefits for approved programs to manage or treat specific health condition. Health screening services such as blood pressure testing, cholesterol checks, mammograms and hearing tests can be claimed if Medicare doesn't pay a benefit. Please give us a call for details. Under the Private Health Insurance Act, we can't pay benefits for goods and services that are for the purposes of sport, recreation or entertainment (like gym memberships). You'll need to send us a Declaration of Condition form. 

Please see Cover Description for full product information.

What's not covered

There are a few things that aren't covered by your extras cover. They are treatments & services

  • received within your waiting periods
  • received outside Australia
  • covered by compensation or another type of insurance (like third party or sports club insurance)
  • received more than 2 years ago
  • received from providers that aren't registered or recognised by Peoplecare
  • received from a family member, relative, business partner or yourself
  • you weren't charged for
  • for sport, recreation or entertainment

and:

  • Pharmaceutical Benefits Scheme (PBS) prescriptions under the standard PBS amount, contraceptives or over-the-counter medicine
  • Naturopathic & herbal medicines
  • First-aid kits & courses
  • Non-prescription glasses, contacts and sunglasses
  • Ambulance subscriptions or state-based levies
  • Ambulance services paid for by the Government, compensation or another type of insurance
  • Ambulance services that aren't medically necessary
  • Receipts issued by a third party, like group buying websites or group deals
  • If you're using a gift voucher, we can't pay the difference between the cost of the service and the value of the voucher. For example, if you use a $60 voucher to pay for a $40 service, you can only claim back the $40 as the official fee for that service.
  • Benefits higher than the amount you paid for the service. For example, if you receive a treatment that's discounted from $65 to $30, we only pay a benefit towards the fee you paid (i.e. $30)
  • Surcharges, delivery costs and credit card processing fees