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Speech therapy cover in Extras

418 products on sale cover Speech therapy (48% 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 Speech therapy
418
Most common waiting period
2 months
Initial visit: median benefit
$50
Median annual limit
$400

Speech therapy cover by insurer

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

InsurerProducts on sale covering itWaiting periodInitial visit: benefitAnnual limit
ahm3 of 230–2 months$50–$60$250–$800
AIA Health6 of 1032 months70%$200
Australian Unity7 of 132 months$35–$80 / 50%–60%$200–$400
Bupa17 of 322 months$57–$114 / 50%–60%$200–$1,000
GMHBA3 of 232 months$30–$50 / 65%$400
HBF3 of 82 months$51 / 60%–70%$400–$500
HCF5 of 132 months$60–$83 / 60%$200–$1,200
HCi9 of 182 months$45–$50$1,000
Health Partners159 of 2552 months$30–$75 / 60%$200–$750
HIF4 of 132 months$60–$75$500–$900
Hunter Health Insurance44 of 442 months$28–$36$300–$700
Latrobe Health Services3 of 72 months$25 / 60%$200–$300
Medibank12 of 222 months$64.20–$117$200–$1,000
Mildura Health Fund5 of 62 months$37–$60$390–$650
nib23 of 562 months60%–75%$250–$450
onemedifund1 of 12 months80%$800
Peoplecare22 of 682 months70%–80%$400–$500
Phoenix Health Fund22 of 452 months60%$600
Queensland Country Health Fund24 of 502 months$56–$80$900–$1,400
RT Health26 of 392 months$55–$70$400–$500
see-u by HBF0 of 4———
St Lukes Health13 of 172 months$120–$130$400–$1,000
Westfund7 of 92 months$48–$60 / 50%–60%$300–$500

Many products share the Speech therapy 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 Speech therapy?
The most common is 2 months among products on sale (range across all products: 0–2 months).
How much does Extras pay for Speech therapy?
For "Initial visit", products on sale pay up to $25–$130 per visit, with a median of $50.
Which insurers cover Speech therapy?
418 products on sale from 22 insurers cover Speech therapy: 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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