Dental Treatment

Includes dental examinations, x-rays, cleaning/polishing performed by a Dentist, Oral Surgeon or Dental Hygienist. Includes fillings and teeth extraction (excluding wisdom teeth) performed by a Dentist or Oral Surgeon.  Includes periodontic and endodontic treatment.

Crowns, dental implants and dentures are not included.  Veneers, gold fillings or other forms of cosmetic dentistry are not included. Orthodontic treatment is not included (refer Orthodontic Benefit).

Waiting period: 6 months

Benefit maximum: 50% up to $250

Optical

Optometrist eye examinations, prescription glasses and contact lenses (where there has been a change in vision). 

Waiting period: 6 months

Benefit maximum: 50% up to $250

Medical, Specialists and Tests

Prescription medicines and laboratory tests ($10 per item limit), GP visits, Specialist consultations and diagnostic tests including: X-rays, Ultrasound (not obstetric), mammograms, prostate checks, and skin checks (not mole mapping).  Ambulance fees.  Flu vaccinations (all other vaccinations excluded).

Waiting period: 3 months

Benefit maximum: 50% up to $250

Complementary Medical 

Physiotherapy, chiropractic, osteopathy, podiatry, acupuncture, naturopathy, homeopathy, psychology, psychotherapy, counselling, drug and alcohol therapy, dietitian and nutritionist consultations, lymphoedema therapy, allergy testing and chelation therapy, audiology, occupational therapy, speech-language therapy, infertility/sterilisation.

Waiting period: 3 months

Benefit maximum: 50% up to $250