Top Extras

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


Benefits

Dental

  • Preventative dental (2 month waiting period)

    Description 70% of the cost up to the per service benefit below Overall limit Benefit period
    Oral examinations (011, 012, 013) $35 - $45 Unlimited Calendar Year
    X-ray (022) $28
    Removal of plaque (111) $41
    Removal of calculus (114,115) $65 - $70
    Fluoride application (121) $25
    Mouthguard (151,153) $130 - $150
    Fissure sealing (161) $34

    General dental (2 month waiting period)

    Description 70% of the cost up to the per service benefit below Overall limit Benefit period
    Fillings $81 - $150 Unlimited Calendar year
    Consultations and examination $28 - $40
    X-rays $21 - $60
    Extractions or surgical dental $50 - $255

    Major dental (6 month waiting period)

    Description 70% of the cost up to the per service benefit below Overall limit Benefit period
    Periodontic (gum treatment) $24 - $260
    $630 Calendar Year
    Endodontic (root canal treatment) $7.50 - $180 $660
    Inlays / Onlays / Facing / Veneers  $260 - $600  $1440  Any 5 years
    Dentures & implants  $20 - $810  $1350
    Occlusal therapy  $17 - $260  $920  Lifetime

    Major dental (12 month waiting period)

    Description 70% of the cost up to the per service benefit below Overall limit Benefit period
    Orthodontia 70% $2,800 Lifetime
    Crowns and bridges $10 - $720 $3,000 Any 5 years

Prescribed optical

  • (6 month waiting period)

    Description 70% of the cost up to the per service benefit below Overall limit Benefit period
    Frames $140 $375 Calendar year
    Single vision (pair) (212) $130
    Bifocal (pair) (312) $140
    Trifocal (pair) (412) $150
    Multifocal (pair) (512) $210
    Contact lenses (852) $220

Therapies

  • Therapies (2 month waiting period)

    Description 70% of the cost up to the per service benefit below Overall limit Benefit period
    Physiotherapy (initial/subsequent)
    $61/$43 $720
    Calendar year
    Chiropractic (initial/subsequent) $61/$40 $720
    Osteopathy (initial/subsequent) $61/$35 $720
    Hypnotherapy $80 $360
    Occupational therapy (initial/subsequent) $61/$35 $720
    Speech therapy (initial/subsequent) $95/$46 $1850
    Clinical psychology $30 - $140 $450
     Ante natal/ post natal physiotherapy 70%  $105
    Podiatry (excludes artificial aids e.g. orthotics) $30 - $50 $400
     Audiology $60  $360
     Eye therapy $60  $455
    Dietician $15 - $75 $360

    Alternative therapies (2 month waiting period)

    Description 70% of the cost up to the per service benefit below Overall limit Benefit 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

  • 2 month waiting period

    Description 70% of the cost up to the per service benefit below Overall limit Benefit period
    Blood glucose accessories 70% $320 Calendar year
    Home visits by registered nurse $120 (> 4 hours) 
    $80 ( < 4 hours)
    $2,800
    Non-Pharmaceutical Benefits Scheme drugs requiring a prescription by law 100% less the current government prescribed co-payment up to $75 per prescription $1,000
    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 160 km 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. Excludes Ronald McDonald house.

Health care aids

  • (12 month waiting period) - referred by a doctor and recognised by CBHS

    Description 70% of the cost up to the per service benefit below Overall limit Benefit period
    Artificial aids $10 - $1,000 $1,000 Any 3 years
    Hearing aids 70% $1,600
    Blood pressure monitor, nebuliser, glucometer 70% $500

Wellness benefits

  • 2 month waiting period

    Description 90% of the cost up to the overall limit below
    Health checks Overall limit Benefit Period
    Breast examinations (i.e. mammograms/x-rays)
    Bone density tests
    Skin cancer screening
    Bowel/prostate cancer screening
    Eye screenings
    $200 Calendar Year
    Health Management
    Quit smoking programs 2
    Weight management programs 2
    Stress management courses 2
    $100 Calendar Year
    Yoga 1
    Pilates 1
    Gym membership/Personal training 1 $115 ($100 sub limit on personal training) Calendar Year
    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. Must be approved by CBHS

A benefit is not payable in respect of a service that was rendered to a Member if the services can be claimable from any other source.


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.

Benefits which attract a 'lifetime' period; lifetime means the period commencing on the date the member was first insured and ceases to be insured by CBHS (irrespective of any suspension of membership or other period without cover).


Download Top Extras Product Sheet

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.