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私保通 Private Care+
Extras-onlyClosed

Total Extras

A Extras-only product from see-u by HBF. 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 (23)

ServiceWaiting periodMax benefit per visitAnnual limit
General dental2 months
  • Periodic exam (012): $39
  • Scale and clean (114): $77
  • Fluoride (121): $24
No annual limit
Major dental12 months
  • Extraction (322): $176
  • Full crown, veneered (615): $974
$1,600 a yearShared with Root canal (endodontics)
Root canal (endodontics)12 months
  • Root canal obturation (417): $184
$1,600 a yearShared with Major dental
Orthodontics (braces)12 months
  • Upper and lower braces plus retainer (881): 100% of the fee
$900 a year
Glasses and contact lenses6 months
  • Single vision lenses and frames: 100% of the fee
  • Multifocal lenses and frames: 100% of the fee
$250 a year
Non-PBS prescription medicines2 months
  • Per prescription: $50
$570 a year
Physiotherapy2 months
  • Initial visit: $55
  • Subsequent visit: $40
$700 a year
Chiropractic2 months
  • Initial visit: $52
  • Subsequent visit: $32
$400 a yearShared with Osteopathy
Podiatry2 months
  • Initial visit: $40
  • Subsequent visit: $33
$400 a yearShared with Orthotics
Psychology2 months
  • Initial visit: $85
  • Subsequent visit: $65
$500 a yearShared with Dietetics, Exercise physiology, Orthoptics, Occupational therapy, Speech therapy
Acupuncture2 months
  • Initial visit: $45
  • Subsequent visit: $27
$400 a yearShared with Remedial massage, Chinese herbal medicine
Remedial massage2 months
  • Initial visit: $27
  • Subsequent visit: $27
$400 a yearShared with Acupuncture, Chinese herbal medicine
Hearing aids12 months
  • Per hearing aid: 80% of the fee
$800 a yearShared with Blood glucose monitors
Blood glucose monitors12 months
  • Blood glucose monitor: 80% of the fee
$800 a yearShared with Hearing aids
Chinese herbal medicine2 months
  • Initial visit: $27
  • Subsequent visit: $27
$400 a yearShared with Acupuncture, Remedial massage
Dietetics2 months
  • Initial visit: $51
  • Subsequent visit: $29
$500 a yearShared with Psychology, Exercise physiology, Orthoptics, Occupational therapy, Speech therapy
Exercise physiology2 months
  • Initial visit: $45
  • Subsequent visit: $45
$500 a yearShared with Psychology, Dietetics, Orthoptics, Occupational therapy, Speech therapy
Orthoptics2 months
  • Initial visit: $86
  • Subsequent visit: $86
$500 a yearShared with Psychology, Dietetics, Exercise physiology, Occupational therapy, Speech therapy
Health management programs6 months
  • Health management program: 50% of the fee
$250 a year
Occupational therapy2 months
  • Initial visit: $59
  • Subsequent visit: $38
$500 a yearShared with Psychology, Dietetics, Exercise physiology, Orthoptics, Speech therapy
Orthotics12 months
  • Per pair of orthotics: 80% of the fee
$400 a yearShared with Podiatry
Osteopathy2 months
  • Initial visit: $52
  • Subsequent visit: $32
$400 a yearShared with Chiropractic
Speech therapy2 months
  • Initial visit: $80
  • Subsequent visit: $38
$500 a yearShared with Psychology, Dietetics, Exercise physiology, Orthoptics, Occupational therapy

Not covered: Audiology (hearing tests), Vaccinations, Antenatal and postnatal care, Home nursing

Annual limits

Services in the same group share one limit.

  • General dental

    No annual limit

  • Major dental, Root canal (endodontics)

    $1,600 a year

  • Orthodontics (braces)

    $900 a year, $2,700 lifetime

  • Glasses and contact lenses

    $250 a year

  • Non-PBS prescription medicines

    $570 a year

  • Physiotherapy

    $700 a year

  • Chiropractic, Osteopathy

    $400 a year

  • Podiatry, Orthotics

    $400 a year

  • Psychology, Dietetics, Exercise physiology, Orthoptics, Occupational therapy, Speech therapy

    $500 a year

    Also includes other services not listed

  • Acupuncture, Remedial massage, Chinese herbal medicine

    $400 a year, $250 per service

    Also includes other services not listed

  • Hearing aids, Blood glucose monitors

    $800 a year, 1 per 3 years

    Also includes other services not listed

  • Health management programs

    $250 a year

Insurer's notes (original English)

Product features

Extras cover with features including Wellness Benefits, in addition to commonly used services like dental, optical and others. Be rewarded with Loyalty Bonus on common services and receive additional general dental benefits including free dental check ups to help reduce the cost of dental care.

Other services

Service Group 1 for Alternative Therapies includes: Acupuncture, Chinese Herbalism, Western Herbal Medicine, Naturopathy, Yoga, Pilates, Tai Chi, and Alexander Technique ($250 sub-limit applies). Service Group 2 for Alternative Therapies includes: Remedial Massage, Myotherapy and Shiatsu ($250 sub-limit applies). Total Extras also includes cover for: Western Herbal Medicine (waiting period two months, $27 benefit for consultations up to sub-limit), Naturopathy (waiting period two months, $27 benefit for consultations up to sub-limit), Yoga (waiting period two months, $27 benefit for consultations, $9 benefit for group classes up to sub-limit), Pilates (waiting period two months, $27 benefit for consultations, $9 benefit for group classes up to sub-limit), Tai Chi (waiting period two months, $27 benefit for consultations up to sub-limit), Shiatsu (waiting period two months, $27 benefit for consultations up to sub-limit) and Alexander Technique (waiting period two months, $27 benefit for consultations, $9 benefit for group classes up to sub-limit). This product also includes coverage for Counselling consultations under the Psychology limit. *Benefit replacement periods and sub-limits may apply to some Health Aids and Appliances - see insurer for details

Frequently asked questions

How much does Total Extras pay for a scale and clean?
According to government data, Total Extras pays up to $77 per scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: No annual limit.
What are the waiting periods for Total 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 12 months, Blood glucose monitors 12 months, Chinese herbal medicine 2 months, Dietetics 2 months, Exercise physiology 2 months, Orthoptics 2 months, Health management programs 6 months, Occupational therapy 2 months, Orthotics 12 months, Osteopathy 2 months, Speech therapy 2 months.
Can Total Extras be bought on its own?
Yes. This product doesn't need to be held with hospital cover.

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