Smart, like SmartCare Extras
SmartCare Extras are designed to suit you, providing cover on popular services you will use with the flexibility for you to choose how you spend your limits.
You know what's smart?
SmartCare Extras is just like your phone or tablet: intuitive, easy to navigate, and great value with minimal fuss. All you need to do is choose the limit that suits you and your budget, decide if you’d like to add sub-limits for a slightly lower premium, and if you’d like to boost your extras, add hospital cover, which will unlock optical cover and an annual limit rollover*.
Smart, like SmartCare Extras.
*Rollover excludes optical. Available after 12 months of continuous cover when combined with eligible hospital cover, unused eligible annual limits roll over on 1 January and expire after 12 months. Waiting periods may apply.
A Smart Limit that suits you
SmartCare Extras feature a flexible annual limit (we're calling it a Smart Limit) to spend across included services (excluding optical) each calendar year, either with or without sub-limits depending on the cover you choose. Smart Limits range from $500 on SmartCare Starter to $1,000 on SmartCare Everyday, and $1,500 on SmartCare Complete.
100% back on preventative dental
There's no need to change your dentist with SmartCare Extras, with 100% back on preventative dental, up to your annual Smart Limit or sub-limit amount, at any recognised dentist you choose.
60% back on popular services
No matter which SmartCare Extras cover you pick, you'll get 60% back on physio, osteo, and chiro up to your annual Smart Limit or sub-limit amount. And if you select SmartCare Everyday Extras or SmartCare Complete Extras get more included services like remedial massage, acupuncture, major dental, mental health support and more.
Boost your cover with annual limit rollover
Combine your SmartCare Extras with any eligible GMHBA hospital cover^ to unlock more benefits, including an annual limit rollover^ on most extras services.
^Rollover excludes optical. Available after 12 months of continuous combined cover when paired with open for sale hospital cover, unused eligible annual limits roll over on January 1st and expire after 12 months. Available with or without sub-limits. Waiting periods may apply.
Per person limits for your unique needs
With SmartCare Extras, we've built in value right from the start with a focus on per person limits. Health needs are rarely one size fits all, especially within a couple or a family.
ClassicCare Extras
If you're after a more traditional extras setup with set benefits or percentage back, and individual limits, we've still got you covered with GMHBA ClassicCare Extras. You can easily compare our ClassicCare Mid Extras with set benefits or percentage back to our SmartCare Extras range to find what works best for you.