Top Extras offers attractive overall limits, designed for those who are seeking security for an extensive range of services.
- Generous per service benefits on services and treatments
- Unlimited preventative dental
- Higher overall limits on major dental, optical, physio, chiro and therapies
- Wellness benefits for health management
dental
|
Description
|
70% of the cost up to the per service benefit below
|
Overall Limit
|
Benefit Period
|
|
Preventative Dental (2 month waiting period)
|
|
Oral examinations (011, 012, 013)
|
$35-$45
|
unlimited |
|
X-ray (022)
|
$28
|
|
Removal of plaque (111)
|
$41
|
|
Removal of calculus (114,115)
|
$65-$70
|
|
Fluoride application (121)
|
$30
|
|
Mouthguard (151,153)
|
$130-$150
|
|
Fissure sealing (161)
|
$27
|
| General Dental (2 month waiting period) |
|
Fillings
|
$61-$112
|
unlimited |
|
Consultations & examinations
|
$28-$40
|
|
X-rays
|
$21-$42
|
|
Extractions or surgical dental
|
$50-$255
|
| General Dental (6 month waiting period) |
|
Periodontic (gum treatment)
|
$57-$250
|
$630
|
Calendar Year
|
|
Endodontic (root canal treatment)
|
$7.50-$180
|
$660
|
|
Inlays/Onlays/Facing
|
$360
|
$1440
|
any 5 years
|
|
Dentures and implants
|
$20-$810
|
$1350
|
|
Occlusal therapy
|
$17-$260
|
$920
|
Life
|
| Major Dental (12 month waiting period) |
|
Orthodontia
|
70%
|
$2800
|
Life
|
|
Crowns and bridges
|
$10-$690
|
$3000
|
any 5 years
|
prescribed optical appliances
|
Description
|
70% of the cost up to the per service benefit below
|
Overall Limit
|
Benefit Period
|
|
Frames (6 month waiting period)
|
$375
|
Calendar Year
|
|
Frames
|
$140
|
|
Lenses (6 month waiting period)
|
|
Single vision (pair)
|
$120
|
|
Bifocal (pair)
|
$140
|
|
Trifocal vision (pair)
|
$150
|
|
Multifocal (pair)
|
$200
|
|
Contact Lenses (6 month waiting period)
|
|
Contact lenses
|
$210
|
therapies
|
Description
|
70% of the cost up to the per service benefit below
|
Overall Limit
|
Benefit Period
|
|
Therapies (2 month waiting period)
|
| Physiotherapy (initial/subsequent) |
$61/$43
|
$720
|
Calendar Year
|
| Chiropractic (initial/subsequent) |
$61/$40
|
$720 |
| Osteopathy (initial/subsequent) |
$61/$35
|
$720 |
| Occupational therapy (initial/subsequent) |
$61/$35 |
$720 |
| Speech therapy (initial/subsequent) |
$80/$40 |
$1850 |
| Clinical psychology |
$30-$140 |
$450 |
| Ante natal/Post natal physiotherapy |
70% |
$105 |
|
Podiatry (excl. artificial aids: e.g.orthotics)
|
$30-$50
|
$400
|
|
Audiology
|
$60
|
$360 |
|
Eye therapy
|
$60
|
$455 |
|
Dietician
|
$15-$65
|
$360 |
alternative therapies
|
Description
|
70% of the cost up to the per service benefit below
|
Overall Limit
|
Benefit Period
|
|
Alternative Therapies (2 month waiting period)
|
Natural therapies
Buteyko, Herbal medicine consultations, Homeopathy, Naturopathy, Nutrition |
$33
|
$450
|
Calendar Year
|
Oriental therapies
Acupressure, Acupuncture, Chinese herbal medicine consultation, Chinese massage, Kinesiology, Reflexology, Shiatsu, Traditional chinese medicine consultation |
$450 |
Massage therapies
Alexander technique, Aromatherapy, Bowen therapy, Deep tissue massage, Feldenkrais, Lymphatic drainage, Myotherapy, Remedial massage, Rolfing, Sports massage, Swedish massage, Therapeutic massage |
$450 |
general health
|
Description
|
Per Service Benefit
|
Overall Limit
|
Benefit Period
|
|
General Health (2 month waiting period)
|
| Blood glucose accessories |
70%
|
$320
|
Calendar Year
|
| Home visits by registered nurse |
$120 (>4 hrs)
$80 (<4 hrs)
|
$2800 |
| Non-Pharmaceutical Benefits Scheme drugs requiring a prescription by law |
100% after deducting the current government prescribed co-payment up to $150 per prescription |
$1000 |
Calendar Year |
| Travel and accommodation + |
50% of the cost for accommodation (single room rate) airfare, train, bus or 15c per kilometre for car |
$500 |
Per Membership
Per Calendar Year
|
+ Travel is only payable for a patient who requires essential medical and dental treatment, where it is not available at a facility within a 160km round trip of the member’s home. In order to claim travel a patient must be visiting a specialist and will require a referral letter.
health care aids
|
Description
|
70% of the cost up to the per service benefit below
|
Overall Limit
|
Benefit Period
|
|
Health Care Aids (12 month waiting period) - referred by a doctor and recognised by CBHS
|
| Artificial aids |
$10-$1000
|
$1000
|
any 3 years
|
| Hearing aids |
70%
|
$1500 |
| Blood pressure monitor, nebuliser, glucometer |
70% |
$500 |
(2 month waiting period)
CBHS Wellness Benefits cover you for a variety of health checks and programs designed to assist you in better managing your health and wellbeing.
|
Description
|
90% of the cost up to the overall limit
|
Benefit Period
|
|
Health Checks (where not claimable from Medicare)
|
Breast examinations (e.g. mammograms/x-rays)
Bone density tests
Skin cancer screening
Bowel/prostate cancer screening
Eye Screenings |
$200 |
Calendar Year
|
|
Health Management
|
Quit smoking programs2
Weight management programs2
Stress management courses2
First aid course/first aid kits^ |
$100 |
Calendar Year |
| Yoga1 |
| Pilates1 |
| Gym membership/Personal training1 |
$100 |
Calendar Year |
^ Benefits on first aid courses and kits are only payable when provided by recognised CBHS providers. First aid course must be completed for benefits to be applicable to the first aid kit. Excludes replacement first aid items.
1 CBHS can only pay a benefit for gym membership/personal trainer/pilates /yoga where the gym/ personal trainer/yoga/pilates service is provided as part of a health management program, certified by your GP or a recognised provider confirming that the gym/personal trainer/yoga/pilates program is a health management program. Approval form is available from CBHS. Please note that GP consultations are not covered by CBHS.
2 Must be approved by CBHS
Benefit Period
Each group of services within Extras and Package covers have an overall limit on the amount you can claim. Most limits are based on per person per calendar year, unless otherwise stated in our Extras table.
Benefits which attract a 3 and 5 year period are entitled to have the benefit renewed on the same date which the service was performed respectively.
Per Service Benefit
Most CBHS Extras benefits are subject to a Per Service Benefit. Generally, the maximum benefit for an individual Extras service is 70% of the service fee up to a Per Service Benefit within the overall category limit.
Example
The maximum payment for the service 'extraction of a full tooth' is 70% of the cost up to the Per Service Benefit of $70.
If your dentist charges you $80 for this service, you would receive a benefit payment of $56 (70% of $80 is $56).
If your dentist charges you $110 for this service, you would receive a benefit payment of $70. While 70% of $110 is $77, the Per Service benefit for this service is $70 - the amount you would receive.
When deciding if this product is right for you, please refer to the CBHS Health Benefit Fund Rules. This information should be read carefully and retained.
Download Top Extras Product Sheet
Download CBHS Contribution Rates Brochure
