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per
Cover me for:Price is for
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per
$- weekly
Add hospital to get 1 month FREE and any 2 & 6 month waits on extras waived.

Offer ends 31 MarchMore info

Add hospital to get 1 month FREE and any 2 & 6 month waits on extras waived.

Offer ends 31 MarchMore info

black 50 saver

Extras cover

50% back on included extras

up to your annual limit.

See who you like

You choose extras providers — not us.

No gap dental check-ups

Available at Pacific Smiles Dental clinics.

Add hospital to get 1 month FREE and any 2 & 6 month waits on extras waived.

Offer ends 31 MarchMore info

Add hospital to get 1 month FREE and any 2 & 6 month waits on extras waived.

Offer ends 31 March. More info

black 50 saver

Price is for single cover in NSW paying weekly by direct debit. Price reduced by an Australian Government Rebate of 25.415% (based on your age of under 65 years old, single income of $90,000 or less per year).

Learn more about our Direct Cheapest Product PromiseDirect Cheapest Product Promise

What’s included

Service
Annual limits
Per person
 Per familyWaiting period
Looking for optical cover?Check out black 60 

About limits

A limit is the total amount you can claim back on extras. Limits are reset at the start of each financial year (1 July) unless it is a lifetime limit.

What is a waiting period?

This is a set amount of time you must wait before you can claim any money back for a service included in your cover.

A waiting period applies when you:

  • first join, or re-join after some time without health insurance
  • change to a higher level of cover
  • get cover for additional services or increase your limits.

If you switch to us from another private health insurer, we’ll generally recognise any waiting periods you’ve already served for comparable extras.

You choose extras providers — not us

First, what exactly are extras providers? That’s just what we call the dentists, chiros, physios and other professionals who provide health services. Unlike some health insurers, we’ll pay the same benefits at most extras providers, as long as they are legally qualified to practise in Australia and have been recognised by ahm. So you choose your provider, not us.

No gap dental check-ups

We’ve struck a great deal with some dentists to offer you 100% back on dental check-ups.

Dental check-ups only include:
Periodic and comprehensive examination
Clean and polish or scale and clean
Fluoride treatment

Claims paid for dental check-ups come off your annual limit for routine dental which resets every financial year (1 July). Waiting period may apply.

Find a participating dentist

Add hospital

The top 3 reasons people get hospital cover:

  • Choose your own doctor or specialist
  • Helps you skip the queue for non-emergency treatments in a hospital
  • Get more choice on which hospital you go to
See all hospital cover

Great reasons to join

30 day cooling off period

It’s OK if you change your mind. Just let us know within 30 days of joining and as long as you’ve made no claims we’ll refund your premiums.

Need more info?
Product guide (pdf)
Not what you are looking for?
See all products

Before buying any of our health insurance, it’s important that you read and understand the product information for the cover you have chosen. We recommend you keep a copy of the product guide for future reference.

Private Health Insurance Code of Conduct