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Top Extras 90

A Extras-only product from Bupa. Below is the cover registered in the government data: waiting period, benefit per visit and annual limit for each service.

Government data date: 1 October 2026

Services covered (25)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	NSW / ACT Periodic exam (012): $41.25 Scale and clean (114): $82.30 Fluoride (121): $31.50 Extraction (322): $120 VIC Periodic exam (012): $38.50 Scale and clean (114): $76.85 Fluoride (121): $27.50 Extraction (322): $112 QLD Periodic exam (012): $44 Scale and clean (114): $87.20 Fluoride (121): $31.50 Extraction (322): $127.20 WA Periodic exam (012): $45.65 Scale and clean (114): $91 Fluoride (121): $33 Extraction (322): $132.90 SA Periodic exam (012): $36.30 Scale and clean (114): $76.30 Fluoride (121): $19.50 Extraction (322): $112 TAS Periodic exam (012): $36.85 Scale and clean (114): $62.15 Fluoride (121): $30 Extraction (322): $95.70 NT Periodic exam (012): $39.60 Scale and clean (114): $83.95 Fluoride (121): $22.50 Extraction (322): $123.20	No annual limit
Major dental	12 months	NSW / ACT, QLD, WA, NT Full crown, veneered (615): $1,200 VIC Full crown, veneered (615): $882.40 SA Full crown, veneered (615): $827.30 TAS Full crown, veneered (615): $960	$1,200 a yearShared with Root canal (endodontics)
Root canal (endodontics)	12 months	NSW / ACT Root canal obturation (417): $255 VIC Root canal obturation (417): $151.60 QLD Root canal obturation (417): $270 WA Root canal obturation (417): $280 SA Root canal obturation (417): $150.50 TAS Root canal obturation (417): $195 NT Root canal obturation (417): $260	$1,200 a yearShared with Major dental
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): 100% of the fee	$1,400 a year
Glasses and contact lenses	2 months	Single vision lenses and frames: $268 Multifocal lenses and frames: $280	$280 a year
Non-PBS prescription medicines	2 months	Per prescription: $45	$750 a year
Physiotherapy	2 months	NSW / ACT Initial visit: $62.70 Subsequent visit: $52.80 VIC, SA Initial visit: $58.30 Subsequent visit: $45.65 QLD, WA Initial visit: $62.15 Subsequent visit: $49.50 TAS Initial visit: $44.95 Subsequent visit: $33.55 NT Initial visit: $60.50 Subsequent visit: $48.40	$900 a year
Chiropractic	2 months	NSW / ACT Initial visit: $50.80 Subsequent visit: $35 VIC Initial visit: $49.40 Subsequent visit: $32.10 QLD Initial visit: $33.80 Subsequent visit: $24.80 WA Initial visit: $37 Subsequent visit: $29 SA Initial visit: $51.20 Subsequent visit: $32.10 TAS Initial visit: $36 Subsequent visit: $27 NT Initial visit: $37.20 Subsequent visit: $26.50	$700 a yearShared with Osteopathy
Podiatry	2 months	NSW / ACT Initial visit: $56 Subsequent visit: $41 VIC Initial visit: $49 Subsequent visit: $40 QLD Initial visit: $45 Subsequent visit: $40 WA Initial visit: $45 Subsequent visit: $36 SA Initial visit: $46 Subsequent visit: $39 TAS Initial visit: $42 Subsequent visit: $36 NT Initial visit: $44 Subsequent visit: $38	$750 a year
Psychology	2 months	NSW / ACT Initial visit: $127.50 Subsequent visit: $119 VIC Initial visit: $122 Subsequent visit: $115.50 QLD Initial visit: $110 Subsequent visit: $98 WA Initial visit: $145 Subsequent visit: $115.50 SA Initial visit: $121 Subsequent visit: $111 TAS Initial visit: $97 Subsequent visit: $88 NT Initial visit: $115.50 Subsequent visit: $110	$750 a year
Acupuncture	2 months	Initial visit: $38 Subsequent visit: $30	$500 a yearShared with Remedial massage, Chinese herbal medicine, Exercise physiology
Remedial massage	2 months	Initial visit: $44 Subsequent visit: $35	$500 a yearShared with Acupuncture, Chinese herbal medicine, Exercise physiology
Hearing aids	12 months	Per hearing aid: 90% of the fee	$1,200 a yearShared with Blood glucose monitors, Orthotics
Blood glucose monitors	12 months	Blood glucose monitor: 85% of the fee	$1,200 a yearShared with Hearing aids, Orthotics
Antenatal and postnatal care	2 months	Initial visit: $20 Subsequent visit: $20	$450 a year
Chinese herbal medicine	2 months	Initial visit: $32 Subsequent visit: $24	$500 a yearShared with Acupuncture, Remedial massage, Exercise physiology
Dietetics	2 months	Initial visit: $57 Subsequent visit: $34	$750 a year
Exercise physiology	2 months	Initial visit: $32 Subsequent visit: $24	$500 a yearShared with Acupuncture, Remedial massage, Chinese herbal medicine
Orthoptics	2 months	NSW / ACT Initial visit: $39 Subsequent visit: $28 VIC, TAS Initial visit: $36 Subsequent visit: $24 QLD Initial visit: $34 Subsequent visit: $23 WA Initial visit: $46 Subsequent visit: $34 SA, NT Initial visit: $32 Subsequent visit: $22	$750 a year
Health management programs	6 months	Health management program: 50% of the fee	$200 a year
Home nursing	2 months	Initial visit: $40 Subsequent visit: $40	$400 a year
Occupational therapy	2 months	NSW / ACT Initial visit: $78 Subsequent visit: $66.50 VIC, TAS Initial visit: $71.50 Subsequent visit: $56 QLD Initial visit: $76.50 Subsequent visit: $59.50 WA Initial visit: $98.50 Subsequent visit: $66.50 SA Initial visit: $110.50 Subsequent visit: $73 NT Initial visit: $107 Subsequent visit: $73	$750 a year
Orthotics	12 months	Per pair of orthotics: 85% of the fee	$1,200 a yearShared with Hearing aids, Blood glucose monitors
Osteopathy	2 months	NSW / ACT Initial visit: $62.50 Subsequent visit: $43 VIC Initial visit: $61 Subsequent visit: $39.50 QLD Initial visit: $41.50 Subsequent visit: $30.50 WA Initial visit: $45.50 Subsequent visit: $35.50 SA Initial visit: $63 Subsequent visit: $39.50 TAS Initial visit: $44.50 Subsequent visit: $33 NT Initial visit: $46 Subsequent visit: $32.50	$700 a yearShared with Chiropractic
Speech therapy	2 months	NSW / ACT, SA Initial visit: $95 Subsequent visit: $66 VIC Initial visit: $92 Subsequent visit: $57 QLD Initial visit: $85 Subsequent visit: $51 WA Initial visit: $103 Subsequent visit: $63 TAS Initial visit: $77 Subsequent visit: $51 NT Initial visit: $85 Subsequent visit: $66	$750 a year

Not covered: Audiology (hearing tests), Vaccinations

Annual limits

Services in the same group share one limit.

General dental
No annual limit
Major dental, Root canal (endodontics)
$1,200 a year
Orthodontics (braces)
$1,400 a year, $2,800 lifetime
Glasses and contact lenses
$280 a year
Non-PBS prescription medicines
$750 a year
Physiotherapy
$900 a year
Chiropractic, Osteopathy
$700 a year
Podiatry
$750 a year
Psychology
$750 a year
Acupuncture, Remedial massage, Chinese herbal medicine, Exercise physiology
$500 a year
Hearing aids, Blood glucose monitors, Orthotics
$1,200 a year
Also includes other services not listed
Dietetics
$750 a year
Orthoptics
$750 a year
Health management programs
$200 a year
Occupational therapy
$750 a year
Speech therapy
$750 a year
Antenatal and postnatal care
$450 a year
Home nursing
$400 a year

Insurer's notes (original English)

Product features

We recognise your loyalty, by increasing your percentage back by 2% each year at Members First Providers, up to a maximum of 10%. At Non-Members First providers, the set benefit you receive will increase by 2% each year up to a maximum of 10%. For more details or to purchase this product contact Bupa.

Other services

Includes access to Blua Online Doctor Appointments. We pay 100% of the cost for eligible consults only, up to a yearly limit of 3 services per person. Benefits are not payable for services listed on the Medicare Benefits Schedule (MBS). 2-months waiting period, eligibility criteria, terms and conditions apply. 100% of travel expenses up to $100 per person, and $40 per night of accommodation fees up to $150 per person for essential hospital or medical treatment where the total return distance is 200km or more from home. Where applicable, benefits are paid under Hospital cover only (you cannot claim under both Hospital and Extras for the same trip). 2-months waiting period and eligibility criteria apply. Mental health includes Psychology, Digital Mental Health, Social Work (psychological therapies), and Counselling (including Indigenous Counselling). Sub-limits apply for Digital Mental Health. Blood glucose monitors, hearing aids, and other health aids, are payable under the Health Appliances category up to $1200 per year. Sub-limits and restrictions apply.

Special features

Ante/Post-natal consultations and courses including lactation consultations, with Bupa recognised providers in private practice. Home nursing covers selected services. Dietary covers consultations only. Pharmacy benefit paid after current PBS patient contribution deducted. Step down benefits apply after first 10 total services across Chiropractic and Osteopathy. Blood glucose monitors, one per year (sub-limit $600). Hearing aids, one every 3 years (sub-limit $850). Two fully custom-made orthoses (one pair) are payable once per person per calendar year. Dentures, once every 3 years. Periodic oral examination 012, Scale & Clean 114, Fluoride treatment 121, once every 6 months.

Frequently asked questions

How much does Top Extras 90 pay for a scale and clean?

According to government data, Top Extras 90 pays up to $82.30 per scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: No annual limit.

What are the waiting periods for Top Extras 90?

General dental 2 months, Major dental 12 months, Root canal (endodontics) 12 months, Orthodontics (braces) 12 months, Glasses and contact lenses 2 months, Non-PBS prescription medicines 2 months, Physiotherapy 2 months, Chiropractic 2 months, Podiatry 2 months, Psychology 2 months, Acupuncture 2 months, Remedial massage 2 months, Hearing aids 12 months, Blood glucose monitors 12 months, Antenatal and postnatal care 2 months, Chinese herbal medicine 2 months, Dietetics 2 months, Exercise physiology 2 months, Orthoptics 2 months, Health management programs 6 months, Home nursing 2 months, Occupational therapy 2 months, Orthotics 12 months, Osteopathy 2 months, Speech therapy 2 months.

Can Top Extras 90 be bought on its own?

Yes. This product doesn't need to be held with hospital cover.

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