RBHS Premium Extras gives you superior benefits to extras services. This is a generous cover for people who want their membership card to take care of the majority of their extras costs including an expansive range of dental, optical and other healthcare expenses (see below for all the details).
The RBHS’s benefits are mostly set at 90% of the fee charged (subject to maximum limits). This also covers purchase costs and repairs to items such as glasses, dentures and hearing aids. 
As with any extras cover, benefits are only payable for professional services provided by a registered practitioner. As health care professionals generally do not want to miss out on the business from health fund members, most reputable health professionals are recognised by Medicare, which means we can pay benefits, or they are registered with us. To be safe however, check if your extras provider is registered with the RBHS by searching here or call us on 1800 027 299. 
The table following is only a summary of the wide range of extras benefits that the RBHS offers. For more detailed information, just give us a call or download the full product description at the bottom of the page. 
Benefit percentage: 90% Some services have set benefits.
- Optical benefits on glasses and contact lenses
- General dental (preventative check-ups, X-rays, basic restorations, basic surgery & extractions)
- Pharmacy
- Physiotherapy
- Occupational therapy
- Orthoptics (eye therapy)
- Exercise physiology
- Hydrotherapy
- Chiropractic services
- Osteopathy
- Health management programs to help with the cost of certain health programs & screening services.
- Unlimited ambulance cover
- Major dental including crowns & bridges, implants & dentures
- Chinese herbal consultations
- Remedial massage
- Acupuncture
- Dietetics
- Podiatry
- Orthodontics
- Laser eye surgery
- Psychology
- Speech therapy
- Home nursing
- Hearing aids
- IVF treatment
There are some complex rules about dental item numbers (we call them reasonability rules and they are designed to stop dentists overcharging and help keep a lid on your premiums) and some sub-limits. These rules may affect your dental claims.
What's covered
Sub-limit for X-rays: $147 daily limit
Preventative, X-rays, basic restorations, basic surgery & extractions.
2-month waiting period.
- 1st year - $1,300
- 2nd year - $2,600
- 3rd year - $3,900
- 4th year - $5,200
- 5th year - $6,500
12-month waiting period.
- 1st year - $1,200
- 2nd year - $2,400
- 3rd year - $3,600
- 4th year - $4,800
- 5th year - $6,000
12-month waiting period.
- 1st year - $500
- 2nd year - $1,000
- 3rd year - $1,500
- 4th year - $2,000
- 5th year - $2,500
12-month waiting period.
- 1st year - $850
- 2nd year - $1,700
12-month waiting period.
- 1st year - $890
- 2nd year - $1780
- 3rd year - $2670
- 4th year - $3560
- 5th year - $4450
12-month waiting period.
Pro-rata and sub-limits apply.
- 1st year category limit - $460
- 2nd year category limit - $920
12-month waiting period.
- 1st year - $270 per eye
- 2nd year - $540 per eye
- 3rd year - $810 per eye
- 4th year - $1,080 per eye
- 5th year - $1,350 per eye
12-month waiting period.
2-month waiting period
2-month waiting period.
2-month waiting period.
- Chinese herbal consults
- Remedial massage
- Hydrotherapy
2-month waiting period.
2-month waiting period.
2-month waiting period.
2-month waiting period.
- Group Physiotherapy: Consultations: 90% of the cost up to $25
2-month waiting period.
Diagnostic services: 90% of the cost up to $70
Podiatric surgery (as an outpatient – inpatient podiatric services are paid through hospital cover): 90% of the cost up to $200 per item
2-month waiting period.
2-month waiting period.
2-month waiting period.
2-month waiting period
| What is covered | What is not covered |
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- Quit smoking programs including nicotine replacement
- Weight Watchers (meeting & membership fees only)
- Fitness programs (to treat medical conditions as part of a health management plan from a GP or equivalent)
2-month waiting period.
- 1st year up to $347
- 2nd year up to $694
- 3rd year up to $1040
- Artificial aids
- Orthotics (custom-made or heat-moulded)
12-month waiting period
- 1st year – 90% of the cost up to $1,088
- 2nd year - 90% of the cost up to $2,176
- 3rd year - 90% of the cost up to $3,264
- 4th year - 90% of the cost up to $4,352
- 5th year - 90% of the cost up to $5,440
12-month waiting periods.
- 1st year – 90% of the cost up to $560
- 2nd year - 90% of the cost up to $1,120
- 3rd year - 90% of the cost up to $1,680
- 4th year - 90% of the cost up to $2,240
- 5th year - 90% of the cost up to $2,800
12-month waiting periods.
2-month waiting period.
Pharmacy benefits can be claimed for prescription medication that costs more than the current Pharmaceutical Benefit Scheme (PBS) amount. This amount changes on 1 January every year and is $31.60 as at 1 January 2024.