Extras-onlyOn sale

GMHBA SmartCare Complete Extras with sub-limits

A Extras-only product from GMHBA. 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 (15)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	Periodic exam (012): 100% of the fee Scale and clean (114): 100% of the fee Fluoride (121): 100% of the fee	$1,500 a yearShared with Major dental, Root canal (endodontics), Orthodontics (braces), Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Audiology (hearing tests), Orthotics, Osteopathy
Major dental	12 months	Extraction (322): 60% of the fee Full crown, veneered (615): 60% of the fee	$1,500 a yearShared with General dental, Root canal (endodontics), Orthodontics (braces), Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Audiology (hearing tests), Orthotics, Osteopathy
Root canal (endodontics)	12 months	Root canal obturation (417): 60% of the fee	$1,500 a yearShared with General dental, Major dental, Orthodontics (braces), Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Audiology (hearing tests), Orthotics, Osteopathy
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): 60% of the fee	$1,500 a yearShared with General dental, Major dental, Root canal (endodontics), Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Audiology (hearing tests), Orthotics, Osteopathy
Physiotherapy	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$1,500 a yearShared with General dental, Major dental, Root canal (endodontics), Orthodontics (braces), Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Audiology (hearing tests), Orthotics, Osteopathy
Chiropractic	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$1,500 a yearShared with General dental, Major dental, Root canal (endodontics), Orthodontics (braces), Physiotherapy, Podiatry, Psychology, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Audiology (hearing tests), Orthotics, Osteopathy
Podiatry	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$1,500 a yearShared with General dental, Major dental, Root canal (endodontics), Orthodontics (braces), Physiotherapy, Chiropractic, Psychology, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Audiology (hearing tests), Orthotics, Osteopathy
Psychology	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$1,500 a yearShared with General dental, Major dental, Root canal (endodontics), Orthodontics (braces), Physiotherapy, Chiropractic, Podiatry, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Audiology (hearing tests), Orthotics, Osteopathy
Acupuncture	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$1,500 a yearShared with General dental, Major dental, Root canal (endodontics), Orthodontics (braces), Physiotherapy, Chiropractic, Podiatry, Psychology, Remedial massage, Hearing aids, Blood glucose monitors, Audiology (hearing tests), Orthotics, Osteopathy
Remedial massage	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$1,500 a yearShared with General dental, Major dental, Root canal (endodontics), Orthodontics (braces), Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Hearing aids, Blood glucose monitors, Audiology (hearing tests), Orthotics, Osteopathy
Hearing aids	12 months	Per hearing aid: 60% of the fee	$1,500 a yearShared with General dental, Major dental, Root canal (endodontics), Orthodontics (braces), Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Blood glucose monitors, Audiology (hearing tests), Orthotics, Osteopathy
Blood glucose monitors	12 months	Blood glucose monitor: 60% of the fee	$1,500 a yearShared with General dental, Major dental, Root canal (endodontics), Orthodontics (braces), Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Hearing aids, Audiology (hearing tests), Orthotics, Osteopathy
Audiology (hearing tests)	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$1,500 a yearShared with General dental, Major dental, Root canal (endodontics), Orthodontics (braces), Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Orthotics, Osteopathy
Orthotics	12 months	Per pair of orthotics: 60% of the fee	$1,500 a yearShared with General dental, Major dental, Root canal (endodontics), Orthodontics (braces), Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Audiology (hearing tests), Osteopathy
Osteopathy	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$1,500 a yearShared with General dental, Major dental, Root canal (endodontics), Orthodontics (braces), Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Audiology (hearing tests), Orthotics

Not covered: Glasses and contact lenses, Orthoptics, Exercise physiology, Chinese herbal medicine, Dietetics, Speech therapy, Occupational therapy, Non-PBS prescription medicines, Vaccinations, Antenatal and postnatal care, Health management programs, Home nursing

Annual limits

Services in the same group share one limit.

General dental, Major dental, Root canal (endodontics), Orthodontics (braces), Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Audiology (hearing tests), Orthotics, Osteopathy
$1,500 a year, $750 per service

Insurer's notes (original English)

Product features

Preventative dental pays at 100% of provider fee up to sub-limit or product limit. General dental pays at 60% of provider fee up to sub-limit or product limit. Orthodontic has a lifetime limit of $3,000 per person. Psychology also includes Counselling, Mental Health Social Workers and Mental Health Nurses. Podiatry and Orthotics are combined under the same sub-limit. Audiology and Hearing Aids are combined under the same sub-limit.

Special features

Overall combined product limit is $1,500 per person, sub-limit of $750 applies to each treatment type.

Frequently asked questions

How much does GMHBA SmartCare Complete Extras with sub-limits pay for a scale and clean?

According to government data, GMHBA SmartCare Complete Extras with sub-limits pays 100% of the fee for a scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $1,500 a year.

What are the waiting periods for GMHBA SmartCare Complete Extras with sub-limits?

General dental 2 months, Major dental 12 months, Root canal (endodontics) 12 months, Orthodontics (braces) 12 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, Audiology (hearing tests) 2 months, Orthotics 12 months, Osteopathy 2 months.

Can GMHBA SmartCare Complete Extras with sub-limits be bought on its own?

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

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