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私保通 Private Care+

Orthodontics (braces) cover in Extras

409 products on sale cover Orthodontics (braces) (47% of all products on sale). Below are waiting periods, benefits per visit and annual limits by insurer.

Government data date: 1 October 2026
Products on sale covering Orthodontics (braces)
409
Most common waiting period
12 months
Upper and lower braces plus retainer (881): median benefit
60%
Median annual limit
$900

Orthodontics (braces) cover by insurer

The government publishes benefits for "Upper and lower braces plus retainer (881)" as the representative item for Orthodontics (braces). What you actually get back also depends on the provider's fee and your remaining limit.

InsurerProducts on sale covering itWaiting periodUpper and lower braces plus retainer (881): benefitAnnual limit
ahm10 of 2312 months60%–100%$600–$900
AIA Health28 of 10312 months$600 / 60%–70%$600–$800
Australian Unity6 of 1312 months100%$600–$800
Bupa20 of 320–12 months50%–100%$600–$1,600
GMHBA13 of 2312 months$400 / 50%–100%$250–$2,000
HBF3 of 812 months100%$400–$800
HCF5 of 1312 months$700–$800 / 60%$450–$1,200
HCi9 of 1812 months100%$1,650
Health Partners135 of 25512 months60%–100%$1,000
HIF6 of 1312 months$1,000–$1,300 / 100%$800–$1,300
Hunter Health Insurance33 of 4412 months$1,200–$2,500$100–$600
Latrobe Health Services4 of 712 months$750–$1,800$500–$750
Medibank12 of 2212 months100%$100–$1,500
Mildura Health Fund4 of 624 months$600–$800$1,050–$1,500
nib23 of 5612 months50%–75%$200–$800
onemedifund1 of 112 months$2,100$2,100
Peoplecare22 of 6812 months70%–80%$800–$1,000
Phoenix Health Fund22 of 4512 months60%$800
Queensland Country Health Fund24 of 5012 months$500–$1,000—
RT Health13 of 3912 months100%$1,000
see-u by HBF0 of 4———
St Lukes Health13 of 1712 months85%–100%$1,000–$1,200
Westfund3 of 912 months$2,500–$3,250$500–$650

Many products share the Orthodontics (braces) limit with other services, so claiming one leaves less for the others. Check each product page for details.

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Frequently asked questions

How long is the waiting period for Orthodontics (braces)?
The most common is 12 months among products on sale (range across all products: 0–24 months).
How much does Extras pay for Orthodontics (braces)?
For "Upper and lower braces plus retainer (881)", products on sale pay 50%–100% of the fee.
Which insurers cover Orthodontics (braces)?
409 products on sale from 22 insurers cover Orthodontics (braces): ahm, AIA Health, Australian Unity, Bupa, GMHBA, HBF, HCF, HCi, Health Partners, HIF, Hunter Health Insurance, Latrobe Health Services, Medibank, Mildura Health Fund, nib, onemedifund, Peoplecare, Phoenix Health Fund, Queensland Country Health Fund, RT Health, St Lukes Health, Westfund.

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