OSHCstudent- Extras cover is a type of health insurance that covers a range of services that aren’t included under the OSHC/OVHC scheme. If you purchase an extras policy, you’ll pay regular premiums to be covered for the services listed in your policy. These services are typically subject to annual and lifetime limits.
Services covered by extras health insurance?
Depending on your policy, extras insurance can cover a range of services from accredited or recognised service providers, for example dental treatment, optometry, physiotherapy, acupuncture and more.
Find out which services are included here
How many levels of health insurance extras cover?
Extras cover is typically available in three different levels. However, this can vary depending on your provider.
Top-level ancillary cover will typically include more extras services and have high payable benefit limits. Also, top-level cover will usually have higher annual limits for your health insurance extras cover. In comparison, lower-level policies (basic or medium extras) may limit you to a smaller range of services and only pay a smaller percentage in rebates.
- Basic extras cover
- Medium extras cover
- Top extras cover
How extras health insurance benefits and limits work
All extras policies have benefit limits on how much you can claim per year for each specific treatment.
The amount you’ll be able to receive will depend on which service you’re claiming and the maximum limit your policy provides. Another factor is whether your health fund covers (a) a certain percentage of the costs or (b) benefits up to a set dollar amount.
Can I get extras cover with no waiting period?
You can potentially shorten your waiting period or get extras cover with no waiting period for particular services. Some health funds allow you to start claiming on higher-level extras cover straight away with no waiting period, while some have promotions from time to time that waive extras cover waiting periods to attract more members.
However, waivers usually only occur on certain policies or services (e.g. health funds may have promotions that state no two or six-month waiting periods on included extras).
Some of the extras services that may waive waiting periods include:
- Routine dental
- Physiotherapy
- Chiropractic
- Natural therapies.
That said, you’re unlikely to get waiting periods waived on more expensive services like major dental or orthodontics.
If you are international students, foreigners arriving to Australia, or Australian citizens traveling abroad looking for OSHC, OVHC, travel insurance, please contact OSHCstudents Team at email: info@oshcstudents.com and our partners for further information and assistance.
OSHCstudents (Source: Comparethemarket)
