Psychology cover in Extras

585 products on sale cover Psychology (67% 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 Psychology: 585
Most common waiting period: 2 months
Initial visit: median benefit: $75
Median annual limit: $350

Psychology cover by insurer

The government publishes benefits for "Initial visit" as the representative item for Psychology. What you actually get back also depends on the provider's fee and your remaining limit.

Insurer	Products on sale covering it	Waiting period	Initial visit: benefit	Annual limit
ahm	10 of 23	No waiting period	$53–$81 / 60%–70%	$100–$800
AIA Health	103 of 103	2 months	$50–$100 / 50%–70%	$100–$1,200
Australian Unity	8 of 13	2 months	$80–$100 / 50%–60%	$100–$600
Bupa	25 of 32	2 months	$78–$166 / 50%–60%	$200–$1,000
GMHBA	18 of 23	2 months	$41–$60 / 50%–65%	$250–$2,000
HBF	6 of 8	2 months	$79 / 50%–70%	$200–$1,000
HCF	9 of 13	2 months	$35–$80 / 60%	$300–$1,200
HCi	9 of 18	2 months	$70–$80	$250–$300
Health Partners	159 of 255	2 months	$60–$100 / 60%	$200–$750
HIF	6 of 13	2 months	$75–$90 / 60%	$350–$740
Hunter Health Insurance	44 of 44	2 months	$25–$50	$400–$600
Latrobe Health Services	5 of 7	2 months	$30–$90 / 60%	$200–$450
Medibank	19 of 22	No waiting period	$101.33–$160.77	$200–$1,000
Mildura Health Fund	3 of 6	2 months	$50–$70	$540–$650
nib	30 of 56	2 months	50%–75%	$100–$500
onemedifund	1 of 1	2 months	$120	$500
Peoplecare	33 of 68	2 months	$90–$110 / 60%	$400–$1,000
Phoenix Health Fund	22 of 45	0–2 months	60%	$600
Queensland Country Health Fund	24 of 50	2 months	$56–$80	$900–$1,400
RT Health	26 of 39	2 months	$70–$80	$400–$500
see-u by HBF	2 of 4	2 months	50%–60%	$150–$200
St Lukes Health	15 of 17	2 months	$85–$160	—
Westfund	8 of 9	2 months	$20–$100 / 50%–60%	$300–$500

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

Ready to book Psychology?

See what Psychology usually costs and how private health insurance pays, then find nearby providers who speak your language and offer HICAPS.

Find a psychologist

Already have Extras? Make the most of your limits

Tell us your insurer and product name. We'll help you see what you can claim and find providers who speak your language and offer on-the-spot HICAPS claims.

Free matching

Frequently asked questions

How long is the waiting period for Psychology?

The most common is 2 months among products on sale (range across all products: 0–2 months).

How much does Extras pay for Psychology?

For "Initial visit", products on sale pay up to $20–$166 per visit, with a median of $75.

Which insurers cover Psychology?

585 products on sale from 23 insurers cover Psychology: 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, see-u by HBF, St Lukes Health, Westfund.