Top Extras
* Based on an Australian Government Rebate of %, % LHC loading, $ excess for a in .
Change your cover or compareExceptional Extras
The more Extras you’re covered for, the more you can look after your health – knowing that we’ll be on hand to cover some of the costs.
Check out some of the services you can claim for below. It’s not even the whole lot!
Top Extras
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More Information
Unlimited (Unless stated otherwise)
Unlimited (Unless stated otherwise)
Unlimited (Unless stated otherwise)
Unlimited (Unless stated otherwise)
Unlimited (Unless stated otherwise)
Unlimited (Unless stated otherwise)
Unlimited (Unless stated otherwise)
Unlimited (Unless stated otherwise)
Unlimited (Unless stated otherwise)
Increasing Limits
Year 1 Match existing cover up to $1,300
Year 2 $1,300
Year 3 $1,600
Year 4 $2,100
Year 5 $2,600
Year 6+ $2,800
Increasing limits are calculated on continuous membership of Nurses & Midwives Health Top Extras cover.
Limits combined with Surgical removal of a tooth requiring bone removal
Limits combined with Surgical removal of a tooth requiring bone removal
Limits combined with Surgical removal of a tooth requiring bone removal
Limits combined with Surgical removal of a tooth requiring bone removal
Limits combined with Surgical removal of a tooth requiring bone removal
$260 per person.
Combined limits with Frames ($260 per person)
Combined limits with Frames ($260 per person)
Combined limits with Frames ($260 per person)
Combined limits with Frames ($260 per person)
Combined limits with Frames ($260 per person)
$480 per person ($300 sub-limit for group therapy).
Combined limit for Chiropractic & Osteopathy
Combined limit for Chiropractic & Osteopathy
$800 per person (sub-limits apply).
A $400 sub-limit per person applies to group therapy. Within the group therapy limit, a $200 class therapy sub-limit per person applies.
Combined limit for Physiotherapy
Combined limit for Physiotherapy
Combined limit with Physiotherapy
A $400 sub-limit per person applies to group therapy. Within the group therapy limit, a $200 class therapy sub-limit per person applies.
Combined limit for Physiology
Combined limit for Physiology
$78 per calendar year, included in overall physio limit
Included in overall physio limit.
Included in overall physio limit.
$600 per person.
Combined limit for Speech therapy ($600 per person)
Combined limit for Speech therapy ($600 per person)
$500 per person.
($300 sub-limit for group therapy)
Combined limit for Occupational therapy
$500 per person.
($300 sub-limit for group therapy)
Combined limit for Occupational therapy
$500 per person.
($300 sub-limit for group therapy)
$400 per person ($60 sub-limit for orthotic repair).
Combined limit for Podiatry
$400 per person ($60 sub-limit for orthotic repair).
No limit.
$400 per person.
Combined limit for Dietitian
$400 per person.
$300 per person
$600 per person. Sub-limits apply.
Combined limit with Psychology assessment
$600 per person. Sub-limits apply.
Combined limit with Psychology assessment
$600 per person. Sub-limits apply.
Combined limit with Psychology assessment
$600 per person. Sub-limits apply.
Combined limit with Psychology assessment
$600 per person. Sub-limits apply.
$600 per person
Benefits are for face-to-face consultation only. No benefits for remedies, medicines or food preparation.
$200 per person. See more info on programs and claiming.
(Sub-limit of $30 for flu vaccine. See more info on how to claim.)
Combined limit with Weight management
$200 per person. See more info on programs and claiming.
Combined limit with Weight management
$200 per person. See more info on programs and claiming.
Combined limit with Weight management
$200 per person. See more info on programs and claiming.
Combined limit with Weight management
$200 per person. See more info on programs and claiming.
Combined limit with Weight management
Sub-limit of $30 for flu vaccine. See more info on how to claim.
$800 per person ($280 sub-limit for erectile dysfunction and vaccines).
$6000 per person.
$1,200 per person (sub-limits apply).
See if you need an Aids and Appliances form to claim.
Combined limit with Blood pressure monitor (purchase)
$1,200 per person (sub-limits apply).
See if you need an Aids and Appliances form to claim.
Combined limit with Blood pressure monitor (purchase)
$1,200 per person (sub-limits apply).
See if you need an Aids and Appliances form to claim.
Combined limit with Blood pressure monitor (purchase)
$1,200 per person (sub-limits apply).
See if you need an Aids and Appliances form to claim.
Combined limit with Blood pressure monitor (purchase)
$1,200 per person (sub-limits apply).
See if you need an Aids and Appliances form to claim.
Combined limit with Blood pressure monitor (purchase)
$1,200 per person (sub-limits apply).
See if you need an Aids and Appliances form to claim.
Combined limit with Blood pressure monitor (purchase)
$1,200 per person (sub-limits apply).
See if you need an Aids and Appliances form to claim.
Combined limit with Blood pressure monitor (purchase)
$1,200 per person (sub-limits apply).
See if you need an Aids and Appliances form to claim.
Combined limit with Blood pressure monitor (purchase)
$1,200 per person (sub-limits apply).
See if you need an Aids and Appliances form to claim.
Combined limit with Blood pressure monitor (purchase)
$1,200 per person (sub-limits apply).
See if you need an Aids and Appliances form to claim.
Combined limit with Blood pressure monitor (purchase)
$1,200 per person (sub-limits apply).
See if you need an Aids and Appliances form to claim.
Combined limit with Blood pressure monitor (purchase)
$1,200 per person (sub-limits apply).
See if you need an Aids and Appliances form to claim.
Combined limit with Blood pressure monitor (purchase)
$1,200 per person (sub-limits apply).
See if you need an Aids and Appliances form to claim.
Combined limit with Blood pressure monitor (purchase)
$1,200 per person (sub-limits apply).
See if you need an Aids and Appliances form to claim.
$400
$900 per person, per 3 years. See if you need an Aids and Appliances form to claim.
$150 per person. See if you need an Aids and Appliances form to claim.
Increasing limits
Single
Years 1-5 $600
Years 5+ $900
Pair
Years 1-5 $1,200
Years 5+ $1,800
Increasing limits are calculated on continuous membership of Nurses & Midwives Health Top Extras cover.
1 pair of hearing aids per person every 3 calendar years.
See if you need an Aids and Appliances form to claim.
$1900 limit every 5 years (sub-limit applies for a manual wheelchair)
$300 per pregnancy
$800 per person.
$800 per person.
$800 per person.
$800 per person.
Important info
Waiting periods
Like all health funds, waiting periods may apply when you take out your cover.
You may have to wait if:
- You’re new to private health insurance
- You increase your benefit limits or upgrade your cover to include things that weren’t covered before
- You switch health funds and increase your cover to include things that weren’t covered before.
Extras waiting periods
| Orthodontia | 12 months |
| Wheelchair purchase | 24 months |
| Major dental, medical appliances | 12 months |
| Optical, healthy lifestyle | 6 months |
| All other services | 2 months |
| Emergency ambulance transport | 1 day |
DIY dentistry
Please be aware you can claim for face-to-face dental consultations only. You can’t claim for home (DIY) dentistry – this includes teeth whitening kits, orthodontic aligners and occlusal splints. If unsure, contact us to find out whether a benefit is payable – we’re here to help.
Make sure you claim with a recognised provider
We can only pay benefits if you’ve taken up the service through a provider who’s recognised by Nurses & Midwives Health at the time. To find out if your provider’s one of them, just call us on 1300 344 000.