Extras-onlyOn sale

GMHBA SmartCare Everyday Extras

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 (11)

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	$1,000 a yearShared with Major dental, Root canal (endodontics), Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Orthotics, Osteopathy
Major dental	12 months	Extraction (322): 60% of the fee Full crown, veneered (615): 60% of the fee	$1,000 a yearShared with General dental, Root canal (endodontics), Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Orthotics, Osteopathy
Root canal (endodontics)	12 months	Root canal obturation (417): 60% of the fee	$1,000 a yearShared with General dental, Major dental, Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Orthotics, Osteopathy
Physiotherapy	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$1,000 a yearShared with General dental, Major dental, Root canal (endodontics), Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Orthotics, Osteopathy
Chiropractic	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$1,000 a yearShared with General dental, Major dental, Root canal (endodontics), Physiotherapy, Podiatry, Psychology, Acupuncture, Remedial massage, Orthotics, Osteopathy
Podiatry	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$1,000 a yearShared with General dental, Major dental, Root canal (endodontics), Physiotherapy, Chiropractic, Psychology, Acupuncture, Remedial massage, Orthotics, Osteopathy
Psychology	2 months	Initial visit: 60% of the fee	$1,000 a yearShared with General dental, Major dental, Root canal (endodontics), Physiotherapy, Chiropractic, Podiatry, Acupuncture, Remedial massage, Orthotics, Osteopathy
Acupuncture	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$1,000 a yearShared with General dental, Major dental, Root canal (endodontics), Physiotherapy, Chiropractic, Podiatry, Psychology, Remedial massage, Orthotics, Osteopathy
Remedial massage	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$1,000 a yearShared with General dental, Major dental, Root canal (endodontics), Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Orthotics, Osteopathy
Orthotics	12 months	Per pair of orthotics: 60% of the fee	$1,000 a yearShared with General dental, Major dental, Root canal (endodontics), Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Osteopathy
Osteopathy	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$1,000 a yearShared with General dental, Major dental, Root canal (endodontics), Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Orthotics

Not covered: Orthodontics (braces), Glasses and contact lenses, Orthoptics, Hearing aids, Audiology (hearing tests), Exercise physiology, Chinese herbal medicine, Dietetics, Speech therapy, Occupational therapy, Non-PBS prescription medicines, Vaccinations, Blood glucose monitors, 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), Physiotherapy, Chiropractic, Podiatry, Psychology, Acupuncture, Remedial massage, Orthotics, Osteopathy
$1,000 a year

Insurer's notes (original English)

Product features

Preventative dental pays at 100% of provider fee up to product limit. General dental pays at 60% of provider fee up to product limit. Psychology also includes Counselling, Mental Health Social Workers and Mental Health Nurses.

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 Everyday Extras pay for a scale and clean?

According to government data, GMHBA SmartCare Everyday Extras pays 100% of the fee for a scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $1,000 a year.

What are the waiting periods for GMHBA SmartCare Everyday Extras?

General dental 2 months, Major dental 12 months, Root canal (endodontics) 12 months, Physiotherapy 2 months, Chiropractic 2 months, Podiatry 2 months, Psychology 2 months, Acupuncture 2 months, Remedial massage 2 months, Orthotics 12 months, Osteopathy 2 months.

Can GMHBA SmartCare Everyday Extras be bought on its own?

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

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