Hospital + ExtrasClosed

Premium Hospital $250 (Gold) & High Extras

A Hospital + Extras product from Peoplecare. 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 (26)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	Periodic exam (012): 70% of the fee Scale and clean (114): 70% of the fee Fluoride (121): 70% of the fee Extraction (322): 70% of the fee	$1,000 a year
Major dental	12 months	Full crown, veneered (615): 70% of the fee	$1,000 a yearShared with Root canal (endodontics)
Root canal (endodontics)	12 months	Root canal obturation (417): 70% of the fee	$1,000 a yearShared with Major dental
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): 70% of the fee	$800 a year
Glasses and contact lenses	6 months	Single vision lenses and frames: $250 Multifocal lenses and frames: $250	$250 a year
Non-PBS prescription medicines	2 months	Per prescription: $70	$400 a yearShared with Vaccinations
Physiotherapy	2 months	Initial visit: $51 Subsequent visit: $51	$500 a yearShared with Exercise physiology, Orthoptics, Occupational therapy
Chiropractic	2 months	Initial visit: $50 Subsequent visit: $50	$500 a yearShared with Osteopathy
Podiatry	2 months	Initial visit: $45 Subsequent visit: $35	$400 a year
Psychology	2 months	Initial visit: $90 Subsequent visit: $70	$400 a year
Acupuncture	2 months	Initial visit: $45 Subsequent visit: $45	$350 a yearShared with Remedial massage, Chinese herbal medicine, Dietetics
Remedial massage	2 months	Initial visit: $45 Subsequent visit: $45	$350 a yearShared with Acupuncture, Chinese herbal medicine, Dietetics
Hearing aids	24 months	Per hearing aid: 70% of the fee	$1,000 a year
Blood glucose monitors	2 months	Blood glucose monitor: 70% of the fee	$500 a yearShared with Antenatal and postnatal care, Home nursing, Orthotics
Antenatal and postnatal care	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$500 a yearShared with Blood glucose monitors, Home nursing, Orthotics
Chinese herbal medicine	2 months	Initial visit: $45 Subsequent visit: $45	$350 a yearShared with Acupuncture, Remedial massage, Dietetics
Dietetics	2 months	Initial visit: $45 Subsequent visit: $45	$350 a yearShared with Acupuncture, Remedial massage, Chinese herbal medicine
Exercise physiology	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$500 a yearShared with Physiotherapy, Orthoptics, Occupational therapy
Orthoptics	2 months	Initial visit: $51 Subsequent visit: $41	$500 a yearShared with Physiotherapy, Exercise physiology, Occupational therapy
Health management programs	6 months	Health management program: 70% of the fee	$200 a year
Home nursing	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$500 a yearShared with Blood glucose monitors, Antenatal and postnatal care, Orthotics
Occupational therapy	2 months	Initial visit: $51 Subsequent visit: $41	$500 a yearShared with Physiotherapy, Exercise physiology, Orthoptics
Orthotics	2 months	Per pair of orthotics: $150	$500 a yearShared with Blood glucose monitors, Antenatal and postnatal care, Home nursing
Osteopathy	2 months	Initial visit: $50 Subsequent visit: $50	$500 a yearShared with Chiropractic
Speech therapy	2 months	Initial visit: 70% of the fee Subsequent visit: 70% of the fee	$400 a year
Vaccinations	2 months	Per vaccination: $70	$400 a yearShared with Non-PBS prescription medicines

Not covered: Audiology (hearing tests)

Annual limits

Services in the same group share one limit.

General dental
$1,000 a year
Major dental, Root canal (endodontics)
$1,000 a year
Orthodontics (braces)
$800 a year, $2,400 lifetime
Glasses and contact lenses
$250 a year
Non-PBS prescription medicines, Vaccinations
$400 a year
Physiotherapy, Exercise physiology, Orthoptics, Occupational therapy
$500 a year
Also includes other services not listed
Chiropractic, Osteopathy
$500 a year
Podiatry
$400 a year
Psychology
$400 a year
Acupuncture, Remedial massage, Chinese herbal medicine, Dietetics
$350 a year
Also includes other services not listed
Hearing aids
$1,000 a year, 1 per 5 years
Blood glucose monitors, Antenatal and postnatal care, Home nursing, Orthotics
$500 a year, 1 per 3 years
Also includes other services not listed
Health management programs
$200 a year
Speech therapy
$400 a year

Insurer's notes (original English)

Product features

Orthotics limited to 1 appliance every 2 financial years.

Frequently asked questions

How much does Premium Hospital $250 (Gold) & High Extras pay for a scale and clean?

According to government data, Premium Hospital $250 (Gold) & High Extras pays 70% 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 Premium Hospital $250 (Gold) & High Extras?

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 24 months, Blood glucose monitors 2 months, Antenatal and postnatal care 2 months, Chinese herbal medicine 2 months, Dietetics 2 months, Exercise physiology 2 months, Orthoptics 2 months, Health management programs 6 months, Home nursing 2 months, Occupational therapy 2 months, Orthotics 2 months, Osteopathy 2 months, Speech therapy 2 months, Vaccinations 2 months.

Can Premium Hospital $250 (Gold) & High Extras be bought on its own?

This product combines hospital and Extras in one policy, with Gold hospital cover.

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