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Starter Extras

A Extras-only product from St Lukes Health. 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 (14)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	Periodic exam (012): 50% of the fee Scale and clean (114): 50% of the fee Fluoride (121): 50% of the fee Extraction (322): 50% of the fee	$500 a year
Glasses and contact lenses	6 months	Single vision lenses and frames: $150 Multifocal lenses and frames: $150	$150 a year
Non-PBS prescription medicines	2 months	Per prescription: 50% of the fee	$200 a year
Physiotherapy	2 months	Initial visit: $44 Subsequent visit: $38	$400 a yearShared with Antenatal and postnatal care, Exercise physiology, Orthoptics
Chiropractic	2 months	Initial visit: $36 Subsequent visit: $26	$300 a yearShared with Osteopathy
Psychology	2 months	Initial visit: $85 Subsequent visit: $55	Not stated
Audiology (hearing tests)	2 months	Initial visit: 50% of the fee	$300 a yearShared with Dietetics, Home nursing, Occupational therapy
Antenatal and postnatal care	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$400 a yearShared with Physiotherapy, Exercise physiology, Orthoptics
Dietetics	2 months	Initial visit: $50 Subsequent visit: $35	$300 a yearShared with Audiology (hearing tests), Home nursing, Occupational therapy
Exercise physiology	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$400 a yearShared with Physiotherapy, Antenatal and postnatal care, Orthoptics
Orthoptics	2 months	Initial visit: $35 Subsequent visit: $25	$400 a yearShared with Physiotherapy, Antenatal and postnatal care, Exercise physiology
Home nursing	2 months	Initial visit: $50 Subsequent visit: $50	$300 a yearShared with Audiology (hearing tests), Dietetics, Occupational therapy
Occupational therapy	2 months	Initial visit: $45 Subsequent visit: $35	$300 a yearShared with Audiology (hearing tests), Dietetics, Home nursing
Osteopathy	2 months	Initial visit: $38 Subsequent visit: $33	$300 a yearShared with Chiropractic

Not covered: Major dental, Root canal (endodontics), Orthodontics (braces), Hearing aids, Podiatry, Orthotics, Acupuncture, Chinese herbal medicine, Remedial massage, Speech therapy, Vaccinations, Blood glucose monitors, Health management programs

Annual limits

Services in the same group share one limit.

General dental
$500 a year
Glasses and contact lenses
$150 a year
Non-PBS prescription medicines
$200 a year
Physiotherapy, Antenatal and postnatal care, Exercise physiology, Orthoptics
$400 a year
Chiropractic, Osteopathy
$300 a year
Psychology
Not stated
Audiology (hearing tests), Dietetics, Home nursing, Occupational therapy
$300 a year, 1 per year

Insurer's notes (original English)

Product features

Approved health management programs when Starter Extras is taken with hospital cover. Benefits payable at 50% of fee charged, up to maximum benefit. Diabetes Education & Nutrition benefits included in Dietetics sub-limit.

Special features

A 2-month waiting period applies to Psychology with the exception of functional assessment for the purpose of diagnosing ADHS and/or autism spectrum disorders diagnosis which has a 12-month waiting period.

Frequently asked questions

How much does Starter Extras pay for a scale and clean?

According to government data, Starter Extras pays 50% of the fee for a scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $500 a year.

What are the waiting periods for Starter Extras?

General dental 2 months, Glasses and contact lenses 6 months, Non-PBS prescription medicines 2 months, Physiotherapy 2 months, Chiropractic 2 months, Psychology 2 months, Audiology (hearing tests) 2 months, Antenatal and postnatal care 2 months, Dietetics 2 months, Exercise physiology 2 months, Orthoptics 2 months, Home nursing 2 months, Occupational therapy 2 months, Osteopathy 2 months.

Can Starter Extras be bought on its own?

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

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