Transport Health extras cover

Considering extras cover? Get a full breakdown of the features and benefit amounts offered by Transport Health's policies.

As of 2014, Transport Health is no longer a restricted health fund and all Australians are eligible to join. This health fund began in 1888 to serve Melbourne’s Tramway workers and eventually grew to encompass all areas of Australia’s transport industry. does not currently have access to this health insurance brand. You may wish to compare options available on the health insurance homepage.

What are the unique benefits of Transport Health extras cover?

  • Affordable cover for major dental. One of the most notable features of Transport Health extras is that major dental is included in it's more basic and affordable plan. However, for all dental procedures, you’re only covered up to 60% of the practitioner’s cost and will need to pay the difference yourself.
  • More back for physical therapies. Cover for physical therapies with both plans and all other therapies only available with Top cover will reimburse a set amount per session, potentially letting you attend without any cost.
  • Comprehensive psychology cover. The psychology cover offered by the Top level plan is more comprehensive than what you might find elsewhere. It reimburses a flat $70 for initial consultations and $50 for follow-ups. It also has its own limit of $550 per year ($800 per family).
  • No combined limit for laser eye surgery. Top Extras assigns laser eye surgery a dedicated benefit limit, instead of being combined with the annual optical limits which is how it's typically covered. This means you can claim for this service without eating into your standard optical benefit and vice versa.
  • Membership discounts. Unfortunately, neither plan covers travel vaccinations or any other inoculations, but frequent travellers might be able to make up for it with a 30% discount on QBE travel insurance offered to Transport Health members.

What extras services are covered?

There are two levels of Transport Health extras cover available. Both include unlimited emergency ambulance transportation, covering 100% of the fee charged:

  • Healthy Choice. The more basic option from $8.04 per week.
  • Top Extras. Comprehensive extras from $13.93 per week.

To make it easier for you to view the benefits for specific extras services covered by these policies, they have been broken down into categories below. Simply make a selection to see how much you can claim for each:

Dental benefits

  • Healthy Choice dental. You get $500 per year ($1,000 for families) for general and major dental.
  • Top Extras dental. You get $800 per year for preventative and general dental, $800 to $1,200 (after five years of continuous membership) for major dental and up to $2,500 maximum lifetime limit for orthodontics.
ServiceHealthy ChoiceTop Extras
Preventative dental60% back60% back
  • Yes
  • Yes
Scale and clean
  • Yes
  • Yes
Fluoride treatment
  • Yes
  • Yes
  • Yes
  • Yes
General dental60% back60% back
  • Yes
  • Yes
  • Yes
  • Yes
Major dental60% back60% back
Oral surgery
  • Yes
  • Yes
  • Yes
  • Yes
Crowns and bridges
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes
  • No
  • Yes

Optical benefits

Item or serviceHealthy ChoiceTop Extras
Annual limits$225 per person per year$300 per person per year
Prescriptions80% of the cost80% of the cost
Glasses80% of the cost80% of the cost
Contact lenses80% of the cost80% of the cost
Repairs80% of the cost80% of the cost

Physical therapy benefits

TherapyHealthy ChoiceTop Extras
Annual limits$400 per person, $800 per family$600 per person, $1,200 per family
Physiotherapy$37 for initial consultation, $27 for subsequent$42 initial consultation, $32 for subsequent
Myotherapy$37 for initial consultation, $27 for subsequent$42 initial consultation, $32 for subsequent
Chiropractic$37 for initial consultation, $27 for subsequent$42 initial consultation, $32 for subsequent
Osteopathy$37 for initial consultation, $27 for subsequent$42 initial consultation, $32 for subsequent
Podiatry$37 for initial consultation, $27 for subsequent$42 initial consultation, $32 for subsequent
Podiatry$37 for initial consultation, $27 for subsequent$42 initial consultation, $32 for subsequent
Podiatry$37 for initial consultation, $27 for subsequent$42 initial consultation, $32 for subsequent

Pharmaceutical and health program benefits

ServiceHealthy ChoiceTop Extras
Pharmaceutical$400 per person, $800 per family$400 per year per person$800 per family
Non-PBS prescription medicationUp to $50 per script, after you pay the PBS amountUp to $50 per script, after you pay the PBS amount
Health programs$300 per person per year, $600 per family$300 per person per year, $600 per family
MRI scans where no Medicare benefit is payable70% up to $200 per person70% up to $200 per person
Specialist skin testing70% up to $200 per person70% up to $200 per person
Quit smoking programs70% up to $200 per person70% up to $200 per person
First aid courses70% up to $200 per person70% up to $200 per person
Weight loss programs70% up to $200 per person70% up to $200 per person
Stress management programs70% up to $200 per person70% up to $200 per person
Health organisation membership fees$20 per person$20 per person

Treatments exclusive to the Top Extras policy

These services are only covered in the Top Extras policy:

  • Natural therapies
  • Psychology
  • Orthotics
  • Health appliances
  • Laser eye surgery
  • Hearing aids
  • Audiology
  • Home surgical nursing
  • Tai chi, Pilates and yoga sessions

Are there any limitations and waiting periods?

Transport Health applies limitations and claim waiting periods to it's extras policies. It's strongly recommended to know what these are prior to purchasing cover, as they dictate how much you can claim and when you claim for certain services.


Limitations apply within the first six months of membership and within six months after the end of a waiting period. During this time, you cannot claim more than 50% of the full annual benefit available for a service. After six months have elapsed, you can access the remaining 50% of the annual benefit for the year.

This restriction is waived when you are transferring from a health fund where you had equivalent cover and had already served the full waiting period. New waiting periods are also waived under the same rules.

Waiting periods

A waiting period is the amount of time that has to elapse (from when your cover starts) before you can make a claim. The periods for Transport Health extras are:

  • None. Emergency ambulance transportation
  • 2 months. Everything not otherwise specified
  • 6 months. Optical
  • 12 month. Major dental and orthodontics, orthotics, health appliances
  • 24 months. Hearing aids
  • 36 months. Laser eye surgery

How can I pay my premiums to Transport Health?

Health fund premiums are payable in advance for the upcoming period. You can choose to pay weekly, fortnightly or monthly, and you can select the following payment options:

  • Direct debit. You can make regular direct debits from your account or credit card. You can choose to direct debit quarterly, yearly or half yearly in addition to the usual options.
  • Pay by phone. You can call 1300 806 808 to make a credit card payment over the phone.
  • BPAY. You can use your financial institution's BPAY facility.
  • Mail. You can make payments by cheque, money order or credit card. You cannot pay premiums by sending cash in the mail.
  • Online. You can log in to the member’s area of the Transport Health website to make credit card payments.

How do I lodge a claim?

You cannot make claims for services provided by family members or providers who are not recognised by Transport Health as qualified practitioners.

To claim extras, you can simply swipe your membership card at providers with HICAPS facilities and pay any difference yourself where applicable.

For certain claims, such as for health appliances which may require a practitioner to verify its necessity, you may need to send in a claims form instead.

Compare Transport Health extras cover and see if it's right for you

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