Top Extras
* Based on an Australian Government Rebate of %, % LHC loading, $ excess for a in .
Change your cover or compareComprehensive Extras cover
Top Extras is our top level of Extras cover. That means higher benefits and/or limits on things our members use the most, like dental, optical and physio. Your limits for major dental treatment will even go up for the first six years you stay with us*.
Top Extras also covers things like seeing a speech therapist or dietitian, and devices like hearing aids and blood pressure monitors, which you can’t claim towards on our lower level Extras covers.
Healthy lifestyle programs, like weight management, gym membership and health screenings are also included (subject to eligibility).
*Provided you maintain continuous cover on Top Extras.
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 Teachers Health Top Extras cover.
Combined limit with Surgical removal of a tooth requiring bone removal (324)
Combined limit with Surgical removal of a tooth requiring bone removal (324)
Combined limit with Surgical removal of a tooth requiring bone removal (324)
Combined limit with Surgical removal of a tooth requiring bone removal (324)
Combined limit with Surgical removal of a tooth requiring bone removal (324)
$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 with Physiotherapy
Combined limit with Physiotherapy
$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
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 Teachers 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
Combined limit with Home nursing - over six (6) hours
$800 per person
Combined limit with Home nursing - over six (6) hours
$800 per person
Combined limit with Home nursing - over six (6) hours
$800 per person
Important info
Benefits and limits
For each service that’s included on your cover you’ll see a maximum benefit amount (dollars and/or a percentage) that you can get back.
Apart from general dental, there’s also an annual limit, which is the maximum you can claim in a calendar year. For orthodontia, there’s a lifetime limit instead.
For some Extras there are also sub-limits, the maximum you can claim per year for a specific sub-category of that service (like group physio on your physio limit).
Benefits and limits vary on each level of cover so take the time to think about which Extras you’re likely to use, and how often.
Waiting periods
To keep health insurance fair for everyone, you may need to wait for a while before you can claim.
This can happen if you:
- are new to private health insurance
- upgrade your cover to include things that weren’t covered before
- upgrade your cover when you join from another health fund.
If you’re switching to Teachers Health from another fund, join us within 60 days to avoid re-serving any applicable waiting periods.
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.
Extras cover
See more cover options.
