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Wellbeing 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 (20)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	Periodic exam (012): 60% of the fee Scale and clean (114): 60% of the fee Fluoride (121): 60% of the fee Extraction (322): 60% of the fee	$750 a year
Major dental	12 months	Full crown, veneered (615): 60% of the fee	$500 a yearShared with Root canal (endodontics)
Root canal (endodontics)	12 months	Root canal obturation (417): 60% of the fee	$500 a yearShared with Major dental
Glasses and contact lenses	6 months	Single vision lenses and frames: $200 Multifocal lenses and frames: $200	$200 a year
Non-PBS prescription medicines	2 months	Per prescription: 60% of the fee	$300 a year
Physiotherapy	2 months	Initial visit: $56 Subsequent visit: $49	$600 a yearShared with Antenatal and postnatal care, Exercise physiology, Orthoptics
Chiropractic	2 months	Initial visit: $38 Subsequent visit: $27	$350 a yearShared with Osteopathy
Podiatry	2 months	Initial visit: $44 Subsequent visit: $38	$200 a year
Psychology	2 months	Initial visit: $110 Subsequent visit: $90	Not stated
Acupuncture	2 months	Initial visit: $32 Subsequent visit: $28	$300 a yearShared with Remedial massage, Chinese herbal medicine
Remedial massage	2 months	Initial visit: $32 Subsequent visit: $28	$300 a yearShared with Acupuncture, Chinese herbal medicine
Audiology (hearing tests)	2 months	Initial visit: 60% of the fee	$350 a yearShared with Dietetics, Home nursing, Occupational therapy
Antenatal and postnatal care	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$600 a yearShared with Physiotherapy, Exercise physiology, Orthoptics
Chinese herbal medicine	2 months	Initial visit: $32 Subsequent visit: $28	$300 a yearShared with Acupuncture, Remedial massage
Dietetics	2 months	Initial visit: $60 Subsequent visit: $40	$350 a yearShared with Audiology (hearing tests), Home nursing, Occupational therapy
Exercise physiology	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$600 a yearShared with Physiotherapy, Antenatal and postnatal care, Orthoptics
Orthoptics	2 months	Initial visit: $43 Subsequent visit: $33	$600 a yearShared with Physiotherapy, Antenatal and postnatal care, Exercise physiology
Home nursing	2 months	Initial visit: $50 Subsequent visit: $50	$350 a yearShared with Audiology (hearing tests), Dietetics, Occupational therapy
Occupational therapy	2 months	Initial visit: $55 Subsequent visit: $40	$350 a yearShared with Audiology (hearing tests), Dietetics, Home nursing
Osteopathy	2 months	Initial visit: $46 Subsequent visit: $42	$350 a yearShared with Chiropractic

Not covered: Orthodontics (braces), Hearing aids, Orthotics, Speech therapy, Vaccinations, Blood glucose monitors, Health management programs

Annual limits

Services in the same group share one limit.

General dental
$750 a year
Major dental, Root canal (endodontics)
$500 a year
Glasses and contact lenses
$200 a year
Non-PBS prescription medicines
$300 a year
Physiotherapy, Antenatal and postnatal care, Exercise physiology, Orthoptics
$600 a year
Chiropractic, Osteopathy
$350 a year
Podiatry
$200 a year
Psychology
Not stated
Audiology (hearing tests), Dietetics, Home nursing, Occupational therapy
$350 a year, 1 per year
Acupuncture, Remedial massage, Chinese herbal medicine
$300 a year

Insurer's notes (original English)

Product features

Approved health management programs when Wellbeing Extras is taken with hospital cover. Benefits payable at 60% of fee charged, up to maximum benefit. Diabetes Education & Nutrition benefits included in Dietetics sub-limit.

Other services

Acupuncture, Remedial massage, Western herbal medicine, Alexander Technique, Myotherapy, Naturopathy and Shiatsu are included in the Complimentary Therapies annual limit.

Special features

Under Preventative Dental, we pay up to 60% of the average fee charged Australia wide up to the maximum benefit for each eligible service. This applies to examinations, x-rays, scale and clean and fissure sealing. If your dentist charges above the maximum benefit, or in excess of the average fee, a gap or out of pocket may apply. Annual limits, fund rules and waiting periods apply. 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 Wellbeing Extras pay for a scale and clean?

According to government data, Wellbeing Extras pays 60% of the fee for a scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $750 a year.

What are the waiting periods for Wellbeing Extras?

General dental 2 months, Major dental 12 months, Root canal (endodontics) 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, Audiology (hearing tests) 2 months, Antenatal and postnatal care 2 months, Chinese herbal medicine 2 months, Dietetics 2 months, Exercise physiology 2 months, Orthoptics 2 months, Home nursing 2 months, Occupational therapy 2 months, Osteopathy 2 months.

Can Wellbeing Extras be bought on its own?

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

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