Extras Cover

Extras benefits

The RBHS Extras covers members against a wide range of dental, optical and other healthcare expenses. The RBHS’s benefits are mostly set at 90% of the fee charged (subject to maximum limits). This also covers purchase costs and repairs to items such as glasses, dentures and hearing aids.

Benefits are set and regularly reviewed by the RBHS, taking into consideration the costs set by associations of medical providers and other trends in health costs.

All Extras benefits are per person and are only payable for professional services provided by a registered practitioner. To check if your service provider is registered with the RBHS, you can search our list of providers here or call us on 1800 027 299.

The table following is only a summary of the wide range of Extras benefits that the RBHS offers. For more detailed information, just give us a call or download the full product description below.

 

Full cover description

How much will it cost?

Waiting periods

Limits

Service Benefit Limit (per person)*
General Dental No annual limit
Major Dental  
- Surgery $6500 in any 5 rolling years
After 1 year - $1,300
After 2 years - $2,600
After 3 years - $3,900
After 4 years - $5,200
After 5 years - $6,500
- Crown and Bridges $6000 in any 5 rolling years
After 1 year - $1,200
After 2 years - $2,400
After 3 years - $3,600
After 4 years - $4,800
After 5 years - $6,000
- Dentures $2500 in any 5 rolling years
After 1 year - $500
After 2 years - $1,000
After 3 years - $1,500
After 4 years - $2,000
After 5 years - $2,500
Endodontic $1,700 in any 2 years
After 1 year - $850
After 2 years - $1,700
Orthodontic $4,450 lifetime limit
After 1 year - $890
After 2 years - $1,780
After 3 years - $2,670
After 4 years - $3,560
After 5 years - $4,450
Optical  
- Glasses and Contact Lenses $920 in any 2 rolling years
After 1 year - $460
After 2 years - $920
- Laser Eye Surgery $1,350 per eye in a lifetime
After 1 year - $270 per eye
After 2 years - $540 per eye
After 3 years - $810 per eye
After 4 years - $1,080 per eye
After 5 years - $1,350 per eye
- Orthoptic Treatment $790 within 1 year
Non-PBS Pharmaceuticals $1,000 within 1 year
Physiotherapy $1,000 within 1 year
Chiropractic and Osteopathy $920 within 1 year
Podiatry $750 within 1 year
Psychologist $920 within 1 year
Acupuncture $850 within 1 year
Naturopathy and Remedial Massage $850 within 1 year
Hearing Aids $5,440 in any 5 rolling years
After 1 year - $1,088
After 2 years - $2,176
After 3 years - $3,264
After 4 years - $4,352
After 5 years - $5,440
Ambulance No annual limit

* Per-item limits and waiting periods, including those for pre-existing conditions, may apply. As at 1 April 2018.

Limits

For some benefits there is a limit on the total amount the RBHS will pay each year. Benefits that can only be claimed once a year renew on 1 January each year.

All multiple year benefits (2 years and over) are calculated on a rolling year basis, from the date of service (instead of calendar year). Multiple year benefits (2 years and over) are divided over that period of time, with lifetime limits being paid over 5 years. For example: with a lifetime limit of $1,350, $270 is payable each year for 5 years. All rolling years incur a benefit limitation period.

The two, three and five-yearly benefits are determined from the date the service is first provided. We recommend that you check with us before your ‘service date’ to ensure that you will be covered. The ‘service date’ is defined as the date of the treatment or receipt of the item.

Members planning any comprehensive and expensive healthcare should get a quote from the provider, including item numbers and associated costs, and ask us for details of the benefit(s) payable.

Please note: Members who incur health care costs that are not specifically covered under the standard RBHS extras benefit policy may be eligible for consideration by the Board for payment of benefits under the “special claims” category. The Board Policy for these claims is available on request.