Do these 3 things before closing this tab:
1Clear out junk files and repair common Windows errors2Fix the driver behind crashes, sound loss and screen glitches3Repair Windows errors before they cause bigger problemsSuncorp’s current highest Extras tier is called Top Extras, not Comprehensive Extras. Suncorp describes it as its most comprehensive Extras cover and advertises 75% back on covered treatment, subject to service and annual limits, waiting periods, eligible-provider rules and policy conditions. That percentage does not mean every bill is paid in full.
What Suncorp Top Extras covers
Suncorp’s comparison page lists four Extras levels: Starter, Everyday, Mid and Top. Starter, Everyday and Mid return 60% of eligible treatment costs up to annual limits; Top returns 75%, also subject to limits and conditions. The lower tiers differ in the breadth of services covered and their limits. Suncorp’s Extras comparison page describes Top as its most comprehensive level, but “Comprehensive Extras” is not the current product name.
As an Amazon Associate I earn from qualifying purchases.
The specific dollar limits below come from the Suncorp Health Insurance Top Extras fact sheet, whose information is current as at 2 June 2025. They are insurer-published policy terms, not independent measures, and should not be treated as freshly updated 2026 figures. Check the current Product Information before relying on them.
Crashes, No Sound, or Screen Glitches?
Random freezes, missing sound and display glitches usually trace back to one bad driver. Find and replace yours safely.Free scan · under a minuteWindows Errors? Fix Them Before They Spread
Repair common Windows errors and clear accumulated junk for a smoother, more stable PC - no reinstall needed.Free scan · no reinstall| Service or benefit | Limit stated in the 2 June 2025 fact sheet | Important detail |
|---|---|---|
| General dental | $1,000 annual limit | Examples include fillings and basic extractions. |
| Major dental | $1,200 annual limit | Examples include root canal therapy, crowns, bridges, dentures and oral surgery. |
| Orthodontia | $800 starting limit, increasing by $100 per calendar year, to a $2,600 lifetime limit | A 12-month waiting period is listed. |
| Optical | $300 annual limit | Prescription glasses and contact lenses are examples; appliance limits apply. |
| Physiotherapy | $500 annual limit | |
| Chiropractic and osteopathy | $450 annual limit | |
| Natural therapies | $400 annual limit | Remedial massage is limited to $200. Listed consultations include acupuncture, Chinese herbalism and myotherapy. |
| Psychology | $400 annual limit | Up to $150 for digital cognitive behavioural therapy at contracted providers. |
| Hearing aids and speech processors | $1,200 annual limit | A 36-month waiting period and appliance limits apply. |
| Health aids | $500 annual limit | Examples include a nebuliser, peak flow meter, CPAP machine or parts, walking frame and blood-pressure monitor; appliance limits apply. |
| Health management and healthier lifestyle | $200 annual limit | Listed approved programs include weight management, quitting smoking and health management; gym and personal trainer examples are included. |
The fact sheet also lists speech pathology, podiatry, orthotics, eye therapy, dietary advice, home nursing, occupational therapy, antenatal and postnatal services, non-PBS prescriptions and preventative tests. The applicable benefit and restrictions depend on the service. Do not assume the 75% rate applies in the same way to every listed item.
#1 Best Overall
- NO ADDITIONAL COST: You pay no fees for repairs, replacements or reimbursements. Shipping included.
- IMMEDIATE PROTECTION: Drops, spills, and cracked screens covered for portable products, plus power surge protection from day one. Malfunctions covered after the manufacturer’s warranty ends.
- EASY CLAIMS: File a claim in minutes at Asurion.com/amazon. We'll repair, replace, or reimburse you up to the purchase price (excluding tax).
- ELIGIBILITY: Plan must be purchased with your product or within 30 days of purchase. Pre-existing conditions are not covered. (Products for business or commercial use are excluded)
- TERMS AND DETAILS: Terms & Conditions are emailed within 24 hours and available in Your Orders on Amazon. More information about this protection plan is available within the “Product guides and documents” section. Simply click “User Guide” for more info.
How much do you get back when you claim?
The 75% figure is a reimbursement rate for covered services, not a promise that Suncorp will pay 75% of any bill you submit. The claim must meet the policy’s eligibility and provider requirements, any applicable waiting period must have been served, and enough benefit limit must remain. The amount you receive is also subject to the service-specific rules and the annual limit. Suncorp says members may still have out-of-pocket expenses.
The policy booklet says that, for Extras treatment, normally only the consultation cost is covered unless otherwise stated. It also sets rules for multiple services in one consultation and for one recognised-provider visit per day. Before booking costly dental or other major treatment, ask Suncorp and the provider to confirm whether the service is covered, what benefit is payable and what you are likely to owe.
Rank #2
- NO ADDITIONAL COST: You pay no fees for repairs, replacements or reimbursements. Shipping included.
- IMMEDIATE PROTECTION: Drops, spills, and cracked screens covered for portable products, plus power surge protection from day one. Malfunctions covered after the manufacturer’s warranty ends.
- EASY CLAIMS: File a claim in minutes at Asurion.com/amazon. We'll repair, replace, or reimburse you up to the purchase price (excluding tax).
- ELIGIBILITY: Plan must be purchased with your product or within 30 days of purchase. Pre-existing conditions are not covered. (Products for business or commercial use are excluded)
- TERMS AND DETAILS: Terms & Conditions are emailed within 24 hours and available in Your Orders on Amazon. More information about this protection plan is available within the “Product guides and documents” section. Simply click “User Guide” for more info.
Waiting periods and switching from another fund
The 2 June 2025 fact sheet lists these waiting periods. They are product-specific terms in that dated document; check current Product Information for the terms that apply when you join or claim.
Recommended Free Tools
| Benefit or service | Waiting period listed in the 2025 fact sheet |
|---|---|
| Many Extras services | 2 months |
| Optical appliances | 6 months |
| Major dental and orthodontia | 12 months |
| Hearing aids and speech processors | 36 months |
| Health aids | 12 months |
| Healthier lifestyle benefits and preventative tests | 6 months |
| Emergency ambulance | 1 day |
The policy booklet says no benefit is payable for treatment provided during an applicable waiting period. If you switch funds, Suncorp recognises waiting periods already served for equivalent services. A wait may still apply to services you did not previously have, to a higher level of benefit, or to any portion of a waiting period you have not served. Annual Extras benefits already used can also reduce what remains available after the transfer.
Provider rules and the First Choice network
To claim, you need an insurer-recognised provider and a service included in your product. The policy booklet describes First Choice as a network of dental, optical and physiotherapy providers with agreed fees or discounts for specified services. Some eligible services may have a no-gap arrangement when the treatment is included in your cover, waiting periods are served and enough limit remains. No-gap is conditional, not a guarantee that every charge will be fully covered.
Confirm network status with the practitioner when booking. For a significant treatment plan, check provider recognition, your remaining service and annual limits, and the likely out-of-pocket amount with both the provider and Suncorp.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Is Top Extras worth the price?
There is no general premium in the cited product materials that establishes whether Top Extras is good value for a particular person. Suncorp directs customers to obtain a quote. Compare that quote with the eligible services you realistically expect to use, the relevant benefit limits, waiting periods and any likely gap between the provider’s fee and the benefit paid. A 75% rate alone cannot settle the value question.
Extras is not Hospital cover
Top Extras is for eligible out-of-hospital services. Do not infer that Extras pays for in-hospital treatment or that Extras-only cover satisfies any hospital-cover requirement. Suncorp presents Hospital cover separately for hospital services; read the policy booklet and your Product Information to understand the cover you actually hold.
Who issues the policy?
The Suncorp Health Insurance Top Extras fact sheet states: “Suncorp Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib), a registered private health insurer, and is marketed by Platform CoVentures Pty Ltd ABN 82 626 829 623 (PC), a Suncorp Group company. PC is an authorised agent of nib and receives commission from nib.”
The general Suncorp Health Insurance Policy Booklet is effective 1 July 2026 and says it must be read with the member’s Product Information. The product-specific limits cited above are from a fact sheet dated 2 June 2025, so check the current documents before making a decision or planning a claim.
Quick Recap
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
