Essential Extras

Cover for a comprehensive range of services. Must be packaged with one of our Hospital Cover options.

Essential Extras provides benefits for a comprehensive range of services with lower benefits and annual limits to keep your policy cost down.

Best suited for families, couples and singles.

Features:

  • Cover for an extensive range of dental, optical and therapy services
  • Cover for orthodontics
  • Generous per person limits Cover for orthodontics
  • Lower limits to make the premium more affordable
  • Increasing limits for membership loyalty
  • Must be packaged with one of our hospital cover options

How benefits work

Overall limits apply to dental, orthodontics, optical, therapies and other services. Sub-limits apply to certain services.

Rewarding limits

We also increase your overall benefit limits for dental (excluding orthodontics) and therapies by $50 after the first year of membership and then for each year after for the first five years of cover. We honour this loyalty limit for as long as you hold the product. More information is available here.

What you're covered for

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General and major dental

$900 per person
Services covered Sub-limit per person per Membership year
Crowns and bridges
$560

12 month waiting period applies

Example benefits paid
Full veneered crown $560

Sub-limit increases to $1,000 per year after 2 years of membership. Item benefits however remain the same.

Dentures
$500

12 month waiting period applies

Prosthodontic services like plates and dentures.

Example benefits paid
Full lower denture $350
Diagnostic dental
$400

2 month waiting period applies

Includes services like examinations, consultations and x-rays.

Example benefits paid
Periodic oral exam $39
X-rays $24
Simple Extractions
$400

2 month waiting period applies

Simple extractions

Teeth removal services. Simple extractions include those completed in a standard dental appointment.

Example benefits paid
Simple tooth extraction $74


A $400 combined sub-limit applies to surgical and simple extractions.

Surgical Extractions

Surgical extractions

12 month waiting period applies

Surgical extractions include wisdom teeth extraction, removal of impacted teeth. Benefits paid on dental item numbers only unless hospital cover is held and all waits have been served for any in-patient services.

Example benefits paid
Surgical tooth extractions $126

A $400 combined sub-limit applies to surgical and simple extractions.

Fillings
$500

2 month waiting period applies

Restorative treatments including composite and amalgam fillings.

Example benefits paid
One surface composite filling $63

 

General services
$300

Includes services such as occlusal splints.

2 month waiting period applies

Example benefits paid
Occlusal splits $210
Preventive dental
$500

2 month waiting period applies

Includes cleaning and scaling, fluoride treatment and mouth guards.

Example benefits paid
Scale and clean $63
Fluoride treatment $16
Mouth guard $105
Root canal treatment
$350

12 month waiting period appliesEndodontic services such as root canals and root fillings.

Example benefits paid
Root canal obturation $119
Periodontics
$300

12 month waiting period applies

Periodontics, such as specialised gum treatments

Example benefits paid
Up to sub-limit (individual item benefits apply) $300
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Braces and orthodontics

$1,500 lifetime limit per person
Services covered Sub-limit per person per Membership year
Braces and orthodontic services
Lifetime limit $3,000

12 month waiting period appliesBraces and orthodontic services.

Example benefits paid
Up to limit $500

Benefits are paid up to eligible benefit limit based on years of membership on Essential Extras.

Benefit limits after initial waiting period (if applicable) start at $500 and increase to $1,000 after completion of two years' membership on Essential Extras, and to $1500 after three years' membership on Essential Extras, up to a Lifetime Limit of $1500 . Lifetime Limit will take into consideration all previous claims for orthodontic treatment, even under a previous funds’ cover.

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Optical

$215 per person
Services covered Sub-limit per person per Membership year
Glasses and contact lenses
$215

2 month waiting period applies

Glasses including frames, single vision lenses and progressive lenses, contact lenses, prescription sunglasses etc.

Example benefits paid
Optical items or services Up to sub-limit

Through our Premier Provider Network, you can take advantage of discounts at preferred providers across Australia.

 

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Therapies

$900 per person
Services covered Sub-limit per person per Membership year
Acupuncture

2 month waiting period applies

Example benefits paid
Initial and subsequent consultation $25

Benefits are payable for services rendered by Australian Regional Health Group approved providers registered with Queensland Country Health Fund.

Audiology

2 month waiting period applies

Example benefits paid
Consultation $35
Report $42
Chiropractic
$500 (combined)^

2 month waiting period applies

Example benefits paid
Chiropractic initial visit $39
Chiropractic subsequent visit $25
X-rays (not for reading of X-rays) $50

A $500 combined limit applies to chiropractic, remedial massage, myotherapy and osteopathic services for Essential Extras.

Chinese Medicine

2 month waiting period applies

Example benefits paid
Initial consultation $25
Subsequent consultation $25
Dietitian

2 month waiting period applies

Example benefits paid
Initial consultation $53
Subsequent consultation $28
Exercise physiology
$500 (combined)*

2 month waiting period applies

Example benefits paid
Initial consultation $35
Subsequent consultation $25
Monthly program fee $25
Group therapy $7

* A $500 combined limit applies to physiotherapy and exercise physiology services under Essential Extras cover.

Foot orthoses and orthopaedic shoes
$105

2 month waiting period applies

Example benefits paid
Up to sub-limit for orthoses and custom made footwear  
Occupational therapy

2 month waiting period applies

Example benefits paid
Initial consultation $56
Subsequent consultation $28
Orthoptic therapy

Programmed therapy for eye exercises for people with eye-focusing problems.

2 month waiting period applies

Example benefits paid
Initial and subsequent consultation $42
Osteopathy
$500 (combined)^

2 month waiting period applies

Example benefits paid
Initial consultation $39
Subsequent consultation $28

^ A $500 combined limit applies to chiropractic, remedial massage, Bowen therapy, myotherapy and osteopathic services for Essential Extras.

Physiotherapy
$500 (combined)*

2 month waiting period applies

Example benefits paid
Initial consultation $39
Subsequent consultation $33
Group therapy $7

 

* Combined physiotherapy and exercise physiology services sub-limit of $500 applies.

Podiatry
$400

2 month waiting period applies

Example benefits paid
Initial and subsequent consultation $28
Approved appliances (orthotics) Up to sub-limit
Minor procedures Up to sub-limit
Psychology

2 month waiting period applies

Example benefits paid
Initial and subsequent consultation $56
Report  $56
Group therapy $56
Remedial massage or myotherapy
$500 (combined)^

2 month waiting period applies

Example benefits paid
Consultation $30

2 month waiting period applies.

Benefits are payable for services rendered by Australian Regional Health Group Limited approved providers registered with Queensland Country Health Fund. 

^ A $500 combined limit applies to chiropractic, remedial massage, myotherapy and osteopathic services for Essential Extras.

Speech therapy

2 month waiting period applies

Example benefits paid
Initial consultation $56
Subsequent consultation $28
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Other services
Services covered Sub-limit per person per Membership year
Childbirth education
$42

12 month waiting period applies

Example benefits paid
Education session $42
Healthy living
$125

2 month waiting period applies

As well as helping you to get well, we want to help you stay well. Our Healthy Living benefit helps you living a healthy lifestyle through:

  • Participation in a choice of approved weight management programs^^

  • Quit smoking programs

  • Approved health management programs* including gym memberships, personal training programs, Aquatic exercise/rehabilitation* including pool entry and exercise classes (excludes swim classes/lessons)

  • Have your skin checked for skin cancers^

  • Consultation fees for diabetes education

  • Consultation fees for metabolic dietitians and nutritionists when providing assistance with weight management

  • Bowel screening tests and bone density tests

  • Prostate-Specific Antigen  test (one per year) – we cover a second yearly test not covered by Medicare

  • Supermarket tours conducted by a dietitian or other allied health professional qualified to provide nutrition advice.
Example benefits paid
Healthy living benefits Up to $125

*To comply with private health insurance legislation, you must have been referred by your health care professional to participate in a health management program to address or improve a specific medical condition. A Health Management Program Benefit Approval Form must accompany a claim for these benefits.

^ No benefit is payable where Medicare have paid a benefit towards this service.

^^Before enrolling in a weight management program please contact us to clarify the eligibility to benefits.

 

Pharmaceutical
$300

2 month waiting period applies

The Pharmaceutical Benefits Scheme (PBS) is a national pharmaceutical scheme funded by the Federal Government where patients contribute to the cost of prescribed drugs.

We’ll pay benefits as outlined in the extras table below, up to the individual script benefit limit for your cover. The benefit amount per script is calculated by deducting the PBS General Patient Contribution amount from the purchase price. This is conditional on the pharmaceutical prescription being listed in the MIMs Schedule as S4 or S8 and being dispensed in quantities in accordance with this schedule.

We also pay for compound pharmacy scripts, as long as one of the ingredients meets these criteria. The PBS General Patient Contribution amount is updated by the Government and changes every year on 1 January.

Queensland Country doesn’t cover pharmaceutical prescriptions covered by the PBS or for contraceptives and items normally available without prescriptions.

As at 1 January 2024, the PBS contribution is set at $31.60.

It’s important to note that a doctor’s letter may be required for some pharmacy items.

Example benefits paid
Pharmaceuticals Up to $45
School accidents
$450

2 month waiting period applies

Example benefits paid
100% of cost per dependent child up to sub-limit