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GMHBA Top Extras 75% Benefits

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

This product is closed: it no longer accepts new members, but existing members can keep using it.

Services covered (24)

ServiceWaiting periodMax benefit per visitAnnual limit
General dental2 months
  • Periodic exam (012): 75% of the fee
  • Scale and clean (114): 75% of the fee
  • Fluoride (121): 75% of the fee
$2,000 a yearShared with Major dental, Root canal (endodontics), Orthodontics (braces)
Major dental12 months
  • Extraction (322): 75% of the fee
  • Full crown, veneered (615): 75% of the fee
$2,000 a yearShared with General dental, Root canal (endodontics), Orthodontics (braces)
Root canal (endodontics)12 months
  • Root canal obturation (417): 75% of the fee
$2,000 a yearShared with General dental, Major dental, Orthodontics (braces)
Orthodontics (braces)12 months
  • Upper and lower braces plus retainer (881): 75% of the fee
$2,000 a yearShared with General dental, Major dental, Root canal (endodontics)
Glasses and contact lenses6 months
  • Single vision lenses and frames: 75% of the fee
  • Multifocal lenses and frames: 75% of the fee
$250 a year
Non-PBS prescription medicines2 months
  • Per prescription: 75% of the fee
$350 a yearShared with Vaccinations
Physiotherapy2 months
  • Initial visit: 75% of the fee
  • Subsequent visit: 75% of the fee
$500 a yearShared with Exercise physiology
Chiropractic2 months
  • Initial visit: 75% of the fee
  • Subsequent visit: 75% of the fee
$350 a yearShared with Osteopathy
Podiatry2 months
  • Initial visit: 75% of the fee
  • Subsequent visit: 75% of the fee
$300 a year
Psychology2 months
  • Initial visit: 75% of the fee
  • Subsequent visit: 75% of the fee
$500 a year
Acupuncture2 months
  • Initial visit: 75% of the fee
  • Subsequent visit: 75% of the fee
$350 a yearShared with Remedial massage
Remedial massage2 months
  • Initial visit: 75% of the fee
  • Subsequent visit: 75% of the fee
$350 a yearShared with Acupuncture
Hearing aids12 months
  • Per hearing aid: 75% of the fee
$1,500 a year
Blood glucose monitors12 months
  • Blood glucose monitor: 75% of the fee
$200 a year
Audiology (hearing tests)2 months
  • Initial visit: 75% of the fee
  • Subsequent visit: 75% of the fee
$500 a year
Antenatal and postnatal care2 months
  • Initial visit: 75% of the fee
  • Subsequent visit: 75% of the fee
$350 a year
Dietetics2 months
  • Initial visit: 75% of the fee
  • Subsequent visit: 75% of the fee
$500 a year
Exercise physiology2 months
  • Initial visit: 75% of the fee
  • Subsequent visit: 75% of the fee
$500 a yearShared with Physiotherapy
Orthoptics2 months
  • Initial visit: 75% of the fee
  • Subsequent visit: 75% of the fee
$500 a yearShared with Speech therapy
Occupational therapy2 months
  • Initial visit: 75% of the fee
  • Subsequent visit: 75% of the fee
$500 a year
Orthotics12 months
  • Per pair of orthotics: 75% of the fee
$250 a year
Osteopathy2 months
  • Initial visit: 75% of the fee
  • Subsequent visit: 75% of the fee
$350 a yearShared with Chiropractic
Speech therapy2 months
  • Initial visit: 75% of the fee
  • Subsequent visit: 75% of the fee
$500 a yearShared with Orthoptics
Vaccinations2 months
  • Per vaccination: 75% of the fee
$350 a yearShared with Non-PBS prescription medicines

Not covered: Chinese herbal medicine, Health management programs, Home nursing

Annual limits

Services in the same group share one limit.

  • General dental, Major dental, Root canal (endodontics), Orthodontics (braces)

    $2,000 a year

    Also includes other services not listed

  • Glasses and contact lenses

    $250 a year

  • Non-PBS prescription medicines, Vaccinations

    $350 a year

  • Physiotherapy, Exercise physiology

    $500 a year

    Also includes other services not listed

  • Chiropractic, Osteopathy

    $350 a year

    Also includes other services not listed

  • Podiatry

    $300 a year

    Also includes other services not listed

  • Psychology

    $500 a year

  • Acupuncture, Remedial massage

    $350 a year

  • Hearing aids

    $1,500 a year, 1 per 3 years

  • Blood glucose monitors

    $200 a year, 1 per 3 years

  • Audiology (hearing tests)

    $500 a year

  • Antenatal and postnatal care

    $350 a year

  • Dietetics

    $500 a year

  • Orthoptics, Speech therapy

    $500 a year

  • Occupational therapy

    $500 a year

  • Orthotics

    $250 a year, $115 per service

Insurer's notes (original English)

Product features

Annual sub-limit up to $500 p/p per year applies for preventative dental. Rates discounted for direct debit.

Special features

Non PBS Pharmaceuticals must be a private Schedule 4 or Schedule 8 and dispensed via a provider in private practice.

Frequently asked questions

How much does GMHBA Top Extras 75% Benefits pay for a scale and clean?
According to government data, GMHBA Top Extras 75% Benefits pays 75% of the fee for a scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $2,000 a year.
What are the waiting periods for GMHBA Top Extras 75% Benefits?
General dental 2 months, Major dental 12 months, Root canal (endodontics) 12 months, Orthodontics (braces) 12 months, Glasses and contact lenses 6 months, Non-PBS prescription medicines 2 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, Antenatal and postnatal care 2 months, Dietetics 2 months, Exercise physiology 2 months, Orthoptics 2 months, Occupational therapy 2 months, Orthotics 12 months, Osteopathy 2 months, Speech therapy 2 months, Vaccinations 2 months.
Can GMHBA Top Extras 75% Benefits be bought on its own?
Yes. This product doesn't need to be held with hospital cover.

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