Premium Extras

RBHS Premium Extras gives you superior benefits to extras services. This is a generous cover for people who want their membership card to take care of the majority of their extras costs including an expansive range of dental, optical and other healthcare expenses (see below for all the details).

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. 

As with any extras cover, benefits are only payable for professional services provided by a registered practitioner. As health care professionals generally do not want to miss out on the business from health fund members, most reputable health professionals are recognised by Medicare, which means we can pay benefits, or they are registered with us. To be safe however, check if your extras provider is registered with the RBHS by searching 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 at the bottom of the page. 

Benefit percentage: 90% Some services have set benefits.

  • Optical benefits on glasses and contact lenses
  • General dental (preventative check-ups, X-rays, basic restorations, basic surgery & extractions)
  • Pharmacy
  • Physiotherapy
  • Occupational therapy
  • Orthoptics (eye therapy)
  • Exercise physiology
  • Hydrotherapy
  • Chiropractic services
  • Osteopathy
  • Health management programs to help with the cost of certain health programs, equipment & screening services.
  • Unlimited ambulance cover
  • Major dental including crowns & bridges, implants & dentures
  • Chinese herbal consultationss
  • Remedial massage
  • Acupuncture
  • Dietetics
  • Podiatry
  • Orthodontics
  • Laser eye surgery
  • Psychology
  • Speech thereapy
  • Home nursing
  • Hearing aids
  • IVF treatment

There are some complex rules about dental item numbers (we call them reasonability rules and they are designed to stop dentists overcharging and help keep a lid on your premiums) and some sub-limits. These rules may affect your dental claims.

What's covered

Sub-limit for X-rays: $147 daily limit

Preventative, X-rays, basic restorations, basic surgery & extractions.

2-month waiting period.

  • 1st year - $1,300
  • 2nd year - $2,600
  • 3rd year - $3,900
  • 4th year - $5,200
  • 5th year - $6,500

12-month waiting period. 

  • 1st year - $1,200
  • 2nd year - $2,400
  • 3rd year - $3,600
  • 4th year - $4,800
  • 5th year - $6,000

12-month waiting period.

 

  • 1st year - $500
  • 2nd year - $1,000
  • 3rd year - $1,500
  • 4th year - $2,000
  • 5th year - $2,500

12-month waiting period.

  • 1st year - $850
  • 2nd year - $1,700

12-month waiting period.

  • 1st year - $890
  • 2nd year - $1780
  • 3rd year - $2670
  • 4th year - $3560
  • 5th year - $4450

12-month waiting period.

Pro-rata and sub-limits apply.

  • 1st year category limit - $460
  • 2nd year category limit - $920

12-month waiting period.

  • 1st year - $270 per eye
  • 2nd year - $540 per eye
  • 3rd year - $810 per eye
  • 4th year - $1,080 per eye
  • 5th year - $1,350 per eye

12-month waiting period.

2-month waiting period

2-month waiting period. 

2-month waiting period. 

  • Chinese herbal consults
  • Remedial massage
  • Hydrotherapy

2-month waiting period.

2-month waiting period.

2-month waiting period.

2-month waiting period.

2-month waiting period. 

Diagnostic services: 90% of the cost up to $70

Podiatric surgery (as an outpatient – inpatient podiatric services are paid through hospital cover): 90% of the cost up to $200 per item

2-month waiting period.

2-month waiting period.

2-month waiting period.

2-month waiting period

What is covered What is not covered
  • Emergency ambulance treatment and transport to hospital via road, air and sea
  • Non-emergency road and air ambulance transport by a state ambulance provider
  • Emergency ambulance treatment without transport
  • Emergency ambulance transport between hospitals
  • Unlimited nationwide

  • General patient transport, e.g. hospital to home, nursing home, medical appointments
  • Ambulance subscriptions, fees and state-based levies
  • Ambulance services that are paid for by the Government, compensation or other kinds of insurance
  • Any transport provided by a non-state ambulance provider
  • Quit smoking programs including nicotine replacement
  • Weight Watchers (meeting & membership fees only)
  • Fitness programs (to treat medical conditions as part of a health management plan from a GP or equivalent)

2-month waiting period.

  • 1st year up to $347 
  • 2nd year up to $694 
  • 3rd year up to $1040 

 

  • Artificial aids
  • Orthotics (custom-made or heat-moulded)

12-month waiting period

  • 1st year – 90% of the cost up to $1,088
  • 2nd year - 90% of the cost up to $2,176
  • 3rd year - 90% of the cost up to $3,264
  • 4th year - 90% of the cost up to $4,352
  • 5th year - 90% of the cost up to $5,440

12-month waiting periods.

  • 1st year – 90% of the cost up to $560
  • 2nd year - 90% of the cost up to $1,120
  • 3rd year - 90% of the cost up to $1,680
  • 4th year - 90% of the cost up to $2,240
  • 5th year - 90% of the cost up to $2,800

2-month waiting period.

Pharmacy benefits can be claimed for prescription medication that costs more than the current Pharmaceutical Benefit Scheme (PBS) amount. This amount changes on 1 January every year and is $41.00 as at 1 January 2020.

How do the benefits work?

RBHS’s Extras covers use a combination of percentage benefits and set benefits up to per person and per family annual limits.

Our annual limits are by calendar year. What that means is that your annual limits refresh on 1 January ever year.

How to make an Extras claim

 

EFTPOS-style claiming is easy. Swipe your membership card and claim paid! On-the-spot claiming, called HICAPS, is available at most health providers like dentists, optometrists, physiotherapists, chiropractors and more. You just pay the difference between their fee and your fund benefit – no claim form needed. Nice.

Forgot your membership card or have a more complex claim? Use our claiming app. Simply take a photo of your receipt on your smart phone or tablet, open our app and submit. Download the app by searching ‘Reserve Bank Health Society’ on the Google Play store or App Store.

What's not covered

There are a few things that aren't covered by your extras cover. They are treatments & services

  • received within your waiting periods
  • received outside Australia
  • covered by compensation or another type of insurance (like third party or sports club insurance)
  • received more than 2 years ago
  • received from providers that aren't registered or recognised by RBHS
  • received from a family member, relative, business partner or yourself
  • you weren't charged for
  • for sport, recreation or entertainment

and:

  • Pharmaceutical Benefits Scheme (PBS) prescriptions under the standard PBS amount, contraceptives or over-the-counter medicine
  • natural therapies and Western herbal medicine
  • First-aid kits & courses
  • Non-prescription glasses, contacts and sunglasses
  • Ambulance subscriptions or state-based levies
  • Ambulance services paid for by the Government, compensation or another type of insurance
  • Ambulance services that aren't medically necessary
  • Receipts issued by a third party, like group buying websites or group deals
  • If you're using a gift voucher, we can't pay the difference between the cost of the service and the value of the voucher. For example, if you use a $60 voucher to pay for a $40 service, you can only claim back the $40 as the official fee for that service.
  • Benefits higher than the amount you paid for the service. For example, if you receive a treatment that's discounted from $65 to $30, we only pay a benefit towards the fee you paid (i.e. $30)
  • Surcharges, delivery costs and credit card processing fees