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SmartCare Complete Extras
We pride ourselves on providing great value health cover. That’s why all our products are backed by a 60 day money back guarantee. If for any reason your circumstances change and you have not claimed, we will fully refund your membership. *For new members.
Inclusions
Diagnostic services, simple extractions (not including surgical extractions of wisdom teeth) and fillings.
Preventative dental
Includes routine dental check-ups, professional cleaning and topical application of remineralisation agents.
Annual limit
$1,500 per person, per calendar year
Combined annual limit for included services.
Benefit
60% - general dental
100% - preventative dental
Waiting period
2 months
Major dental services including full & partial dentures, crown & bridgework, endodontic services such as root canal, gold fillings, indirect restorations, surgical extractions of a tooth/teeth (including wisdom teeth).
Annual limit
$1,500 per person, per calendar year
Combined annual limit for included services.
Benefit
60%
Waiting period
12 months
Orthodontics is a branch of dentistry concerned with the diagnosis, prevention and treatment of problems with the alignment of the teeth and jaws. Please contact GMHBA prior to undergoing any orthodontic treatment to confirm the benefits available.
Annual limit
$1,500 per person, per calendar year
Combined annual limit for included services.
Lifetime limit of $3,000 applies per person
Benefit
60%
Waiting period
12 months
Treatment by a physiotherapist which uses physical means to relieve pain, regain range of movement, restore muscle strength and return patients to normal activities of daily living.
Annual limit
$1,500 per person, per calendar year
Combined annual limit for included services.
Benefit
60%
Waiting period
2 months
Chiropractors use manipulation-based treatments that can be used for:
- muscle and joint pains and injuries
- back and neck pain and injuries
- frequent headaches
- repetitive strains
Chiropractic x-ray is limited to one x-ray per person, per calendar year.
Annual limit
$1,500 per person, per calendar year
Combined annual limit for included services.
Benefit
60%
Waiting period
2 months
Osteopaths use manipulation-based treatments that can be used for:
- muscle and joint pains and injuries
- back and neck pain and injuries
- frequent headaches
- repetitive strains
Annual limit
$1,500 per person, per calendar year
Combined annual limit for included services.
Benefit
60%
Waiting period
2 months
Remedial massage is a blend of approved, scientific massage techniques, promoting efficiency in the body's systems, which in turn enhances the functioning of the entire person.
Annual limit
$1,500 per person, per calendar year
Combined annual limit for included services.
Benefit
60%
Waiting period
2 months
Acupuncture treatment involves inserting small needles into various points in the body to stimulate nerve impulses.
Annual limit
$1,500 per person, per calendar year
Combined annual limit for included services.
Benefit
60%
Waiting period
2 months
Myotherapy is a branch of manual medicine which focuses on the treatment and rehabilitation of musculoskeletal pain and associated conditions. This involves an extensive physical evaluation and an integrated therapeutic approach to affected muscles, joints, nerves, and associated viscera (organs) and is used in the treatment of acute or chronic conditions and in the area of preventative management.
Annual limit
$1,500 per person, per calendar year
Combined annual limit for included services.
Benefit
60%
Waiting period
2 months
Treatment of conditions affecting the foot, ankle and related lower extremity structures.
Annual limit
$1,500 per person, per calendar year
Combined annual limit for included services.
Benefit
60%
Waiting period
2 months - standard and comprehensive treatment
12 months - surgical procedures
Foot orthotics can assist in correcting disorders of the foot, ankle, and sometimes knee, leg and hip, by creating additional support to the foot from the heel, arches and right to the toe.
Must be custom made by a podiatrist or orthotist, and not by a chiropractor or physiotherapist.
Annual limit
$1,500 per person, per calendar year
Combined annual limit for included services.
Benefit
60%
Waiting period
12 months
Audiology is the branch of science that studies hearing, balance, and their disorders.
Annual limit
$1,500 per person, per calendar year
Combined annual limit for included services.
Benefit
60%
Waiting period
2 months
A hearing aid is a device to amplify and change sound to assist people with hearing impairments.
Annual limit
$1,500 per person, per calendar year
Combined annual limit for included services.
Benefit
60%
Waiting period
12 months
Individual or group consultations with a psychologist.
Annual limit
$1,500 per person, per calendar year
Combined annual limit for included services.
Benefit
60%
Waiting period
2 months
Individual and group consultations with a counsellor, mental health social worker or mental health nurse.
Annual limit
$1,500 per person, per calendar year
Combined annual limit for included services.
Benefit
60%
Waiting period
2 months
A device to measure the concentration of glucose in the blood.
A doctor's letter of recommendation must accompany a claim.
Annual limit
$1,500 per person, per calendar year
Combined annual limit for included services.
Benefit
60%
Waiting period
12 months
An extremity pump is designed to aid in the reduction and control of peripheral edema, including lymphedema of the extremities and post mastectomy lymphedema, stasis dermatitis and venous stasis ulcers.
A doctor's letter of recommendation must accompany a claim.
Annual limit
$1,500 per person, per calendar year
Combined annual limit for included services.
Benefit
60%
Waiting period
12 months
A medical device used to administer medication in the form of a mist inhaled into the lungs.
A doctor's letter of recommendation must accompany a claim.
Annual limit
$1,500 per person, per calendar year
Combined annual limit for included services.
Benefit
60%
Waiting period
12 months
A sleep apnoea monitor is an automatic positive airway pressure device that automatically tunes the amount of pressure delivered to the patient to the minimum required to maintain an unobstructed airway on a breath-by-breath basis by measuring the resistance in the patient's breathing, thereby giving the patient the precise pressure.
A doctor's letter of recommendation must accompany a claim.
Annual limit
$1,500 per person, per calendar year
Combined annual limit for included services.
Benefit
60%
Waiting period
12 months
A TENS (Transcutaneous Electrical Nerve Stimulation) monitor is a battery-powered unit which sends electrical impulses through electrodes placed on or near the painful site. This causes a tingling sensation that reduces pain, even pain that hasn't responded to other treatments.
A doctor's letter of recommendation must accompany a claim.
Annual limit
$1,500 per person, per calendar year
Combined annual limit for included services.
Benefit
60%
Waiting period
12 months
Garment that applies continual pressure over large areas of skin.
Garments must be supplied through a private company or therapist in private practice.
A doctor's letter of recommendation must accompany a claim.
Annual limit
$1,500 per person, per calendar year
Combined annual limit for included services.
Benefit
60%
Waiting period
12 months
Prostheses include a range of approved non-surgically implanted prostheses (eg. wigs).
Annual limit
$1,500 per person, per calendar year
Combined annual limit for included services.
Benefit
60%
Waiting period
12 months
Refer to medical devices (such as a knee brace) fitted immediately following surgery or to heal an injury.
Must be custom made and GMHBA specified and approved.
A doctor's letter of recommendation is required prior to claiming.
Annual limit
$1,500 per person, per calendar year
Combined annual limit for included services.
Benefit
60%
Waiting period
2 months - appliance repairs
12 months - appliance benefit
SmartCare Extras FAQs
A waiting period is the time between when you first take out health insurance or upgrade your cover and when you're actually covered for a treatment or service.
Extras waiting periods will apply to:
- New members who have never held extras cover before.
- Members who transfer from another health fund and have had a gap in and/or upgraded their cover (see Switching to GMHBA below).
- Additional members added onto a policy (unless they've already served their relevant waiting periods). Exceptions apply for newborns, adopted and permanent foster children (where the family membership has been in existence for at least two months).
Waiting periods for extras services – when included on your cover – are as follows:
Waiting Periods: 0 days
Ambulance transport and subscriptions
Waiting period: 2 months
Any services that are not specified below.
Waiting period: 6 months
Optical
Waiting period: 12 months
Major dental, orthodontics, podiatry surgical procedures and orthotic appliances (foot), orthopaedic appliances (GMHBA approved), other medical devices and aids including hearing aids, blood glucose monitor, extremity pump, nebuliser pump, pressure garments, prostheses (GMHBA approved, non-surgical), sleep apnoea monitor and tens monitor.
Switching to GMHBA
If you have already served your waiting periods on an equivalent or higher level of cover with another fund, and joined GMHBA within 30 days of leaving that fund, you won't have to re-serve your waiting periods. Otherwise, waiting periods will apply from the date you take out your new cover with GMHBA. If you’ve upgraded your cover, your waiting periods for higher cover will start on the date you upgraded, but you can still claim the equivalent benefit to your previous level of cover during that period.
Our members have freedom of choice when selecting their preferred provider. For members to claim with GMHBA, providers must hold active accreditation, be operating in a private practice and considered an Australian Pprovider.
You can use the find a provider tool to locate a dentist or allied health professional near you and search by name, type, specialty or treatment.
We've partnered with smile.com.au to make dental care more affordable and accessible for our members across Australia. This means lower out-of-pocket costs for all dental treatment, as smile.com.au dentists will reduce their fees by at least 15%.
With more than 4,000 approved dentists in the smile.com.au network, chances are there is one near you.
GMHBA SmartCare Extras can have the following benefit limits:
- Smart Limits: This is a flexible annual limit that you can choose to spend across included services (excluding optical) each calendar year, either with or without sub-limits depending on the cover.
- Annual limits reset each calendar year on 1 January. This means if you use all of your Smart Limit in one year, you’ll have to wait until 1 January the following year to start claiming benefits again. Annual limits apply to each individual on the policy, unless otherwise specified.
- Annual limit rollover is offered on SmartCare Boost Extras covers only, available when taken out with eligible hospital covers, and allows members to carry over any unused annual limits for included extras services (excluding optical) into the next calendar year, once they have served a full 12 months on their chosen cover.
- Sub-limits: A sub-limit is the maximum amount that can be claimed for a particular service or treatment within an overall Smart Limit. SmartCare Extras covers can be taken out with or without sub-limits.
- Combined limits: This is a single limit that can be used across a collection of services.
- Per person limits: All sub-limits and combined limits on SmartCare Extras apply per person meaning that no one person can claim more than the per person limit each calendar year.
- Lifetime limits: This applies for orthodontic treatment only, per person on the membership. Once you have claimed the maximum lifetime limit, you will not be eligible to claim any further orthodontic benefits during your lifetime, and your benefits won’t re-accrue or reset. This information is shared between health funds, and your lifetime limit will not reset if you transfer your policy.
Annual limits reset on 1 January each year for services included on SmartCare Extras.
Members eligible for annual limit rollover can have any unused annual limits for included extras services (excluding optical) carried over into the next calendar year on 1 January. Annual limit rollover is offered on SmartCare Boost Extras covers only.
Annual limit rollover is offered on SmartCare Boost Extras covers only which must be taken out with an eligible (open) hospital cover. Once members are eligible for annual limit rollover, they can have their unused annual limits for included extras services (excluding optical) carried over into the next calendar year on 1 January and are able to access these for a further 12 months.
Remaining extras overall annual limits can be viewed in the GMHBA app or member area, once extras waiting periods have been served.
Optical isn’t covered on SmartCare Extras unless this is taken out with an open hospital cover. When paired with an open hospital cover, you can access SmartCare Boost Extras which include optical with a separate annual limit.
Our promise
Not the right cover for you? We'll refund your premium provided you haven't made a claim.
We’ve been helping Australians manage their health care for 90 years.
We’re not for profit, so we always put the health and wellbeing of our members first.
Find the right cover for you, join online and we'll take care of the rest. Plus, you'll serve no waiting periods if you switch to the same or lower level of cover.
Contact our friendly customer service team
1300 446 422
Disclaimer
This information is important.
Please read and retain for future reference.
Full information about your chosen cover's applicable waiting periods, excess, exclusions, restrictions, limits, pre-existing conditions, accident protection and services covered is available within the policy factsheet. The price shown excludes any Lifetime Health Cover (LHC) loading.
Rates are effective 1 April 2025. | All contribution quotes by this calculator are subject to variation and should therefore be considered indicative contribution rates. | Weekly and fortnightly payment frequencies are only available for direct debits | Calculations include the 2% Direct Debit Discount available only via bank account direct debit | All prices include the Australian Government Rebate on Private Health Insurance as chosen | Hospital Cover contributions do not include any applicable Lifetime Health Cover loading.