Premium Extras
Compare 18 Reserve Bank Health policies. Prices shown for: Single, NSW, Age 30, $500 excess.
Reserve Bank Health
Premium Extras
$466.60
Emergency and non-emergency ambulance covered
90% back on orthodontics
Optical included
Home nursing included
90% back on blood glucose monitors
Excess
Extras claim back
No gap on selected services
Why this cover
Extras Cover
- Dental
- Optical
- Physiotherapy
- Chiropractic
Pricing & Value
- Monthly premium from
- $466.60
- Excess
- $0
- smile.com.au benefit
- No gap on selected services
Excellent Service Record0.97× average complaint rate · Q1-Q3 2025Source: Private Health Insurance Ombudsman (PHIO) Quarterly Report, Q1-Q3 2025
Inclusions
Waiting periods recognised
Change your mind within 30 days
We do all the paperwork for you
smile.com.au
smile.com.au
Hospital Cover
Extras Cover
25 covered2 not covered
smile.com.au dentistsNo-gap dental check-ups at a smile.com.au dentist
Check if your dentist is in-networkSearch our provider directory for your clinic.
No annual limit on preventive dental
Endodontic
$850/person1 yr
Root Canal Therapy: $850
General Dental
Unlimited2 mo
Periodic Exam: $50 or no gap at smile.com.auScale & Clean: $100 or no gap at smile.com.auFluoride: $33 or no gap at smile.com.auExtraction: $340
Major Dental
$1,200/person1 yr
Full Crown (Veneered): $1360
Orthodontic
$890/person1 yr
Braces (Upper & Lower): 90% back
Optical
$460/person1 yr
Single Vision Lenses: $370Multi-Focal Lenses: $560
Orthoptics
$790/person2 mo
1st visit: $95Next visit: $73
Acupuncture
$850/person2 mo
1st visit: $85Next visit: $70
Chinese Herbal Medicine
$850/person2 mo
1st visit: $82Next visit: $64
Chiropractic
$920/person2 mo
1st visit: $85Next visit: $70
Exercise Physiology
$850/person2 mo
1st visit: $82Next visit: $64
Occupational Therapy
$790/person2 mo
1st visit: $97Next visit: $80
Osteopathy
$920/person2 mo
1st visit: $85Next visit: $70
Physiotherapy
$1,000/person2 mo
1st visit: $105Next visit: $85
Psychology
$920/person2 mo
1st visit: $190Next visit: $190
Remedial Massage
$850/person2 mo
1st visit: $82Next visit: $64
Speech Therapy
$1,000/person2 mo
1st visit: $103Next visit: $103
Antenatal/Postnatal
$260/person2 mo
Initial: $260
Dietetics
$425/person2 mo
1st visit: $107Next visit: $65
Hearing Aids
$1,088/person1 yr
Hearing Aid: $2720
Home Nursing
$1,500/person2 mo
1st visit: $1500Next visit: $1500
Podiatry
$750/person2 mo
1st visit: $80Next visit: $70
Audiology
-Orthotics
-Glucose Monitor
$1,040/person1 yr
Glucose Monitor: 90% back
Health Management
$200/person2 mo
Health Management: $200
Non-PBS Pharmaceuticals
$1,000/person2 mo
Prescription: $160
Vaccinations
Unlimited2 mo
Vaccination: 90% back
Reserve Bank Health
Premium Extras
$466.60
Emergency and non-emergency ambulance covered
90% back on orthodontics
Optical included
Home nursing included
90% back on blood glucose monitors
Excess
Extras claim back
No gap on selected services
Frequently Asked Questions
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