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Compare and Review Extras Cover in 2024

Extras cover helps you pay for any medical treatment that does not fall under Hospital cover. There are many different plans available, but they all have their pros and cons, so it’s important that you do your research before choosing one. The decision to purchase Extra’s only cover is not one that should be taken lightly. It would be best to consider many factors before buying, such as which plan may include covered services and costs involved with waiting periods.
Fact Checked

Updated: 22 May 2024

Extras health cover is an important investment for your future. This article will help you understand Extras private health cover and how to choose the right plan, with information on what each policy offers as well costs so that it’s clear whether this type of coverage really could be worth getting in addition to normal hospital care or not.

What is Extras cover?

The idea of extras cover, also known as ancillary services or general treatment, is to help pay for the cost if you ever need medical attention outside your hospital stay. This can include things like optical and dental care, which are meant to prevent diseases from progressing worse than they already have.

A health insurance Extras only policy will reduce out-of-pocket expenses during these times by providing some coverage with no upfront fee. Some private health insurers offer these policies alone. Still, sometimes people get them combined into their Hospital plans so that all aspects related to illness prevention come together in one place.

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Who needs Extras cover?

The best way to find the perfect health insurance plan for you and your family is by taking time. Start with an idea of what type, age or gender may need certain types of coverage before diving into finding policies that fit all those requirements, as well as possible options available within each category at affordable prices from various providers. 

One of the best ways to make sure you’re covered for anything is buying Extras health cover. An Extras health insurance plan will help pay costs associated with treatments not Medicare-covered, like physiotherapy and dental work. However, every person has different needs. It’s important that before purchasing this type of policy, you speak directly with your healthcare provider about what would be the right fit in terms of price range and how often they need coverage.

Extras health insurance and what it covers

With the right coverage, you can avoid expensive surprises in the future. There are generally three types of policies: basic, mid, and top. The basic tier only covers general services and treatments, such as a dental check-up. A medium-level policy covers you for more practical services, such as orthodontics and chiropractic services. A higher level policy will typically offer more comprehensive dental cover and annual appointments with a dentist or optometrist. Finally, a top-tiered policy will cover you for almost all out-of-hospital treatments and services.

Basic Extras policies

The most budget-friendly option, with a limited number of extras. It usually includes general dental and chiropractic care and physiotherapy or optometry services that come at an annual limit lower than what is offered in Medium coverage packages from insurers. The least expensive type if available but does not include everything you might need, such as major medicals visits, which can be costly, so make sure all your needs before choosing anything.

Average cost – $30.00

Common inclusions:

Mid health insurance Extras

If you want to cover the full range of services your family might need, consider a Mid level medical insurance plan. These types provide increased limits for a broader variety of things like dental work or podiatry appointments–in addition to what’s covered under basic healthcare coverage.

Average cost – $70.00

Common inclusions: All of the Basics Extras coverage and the below

Top Extras only health insurance

These plans provide the most comprehensive coverage. With everything from orthodontics and hearing aids to blood glucose monitors, they’re perfect for anyone who wants complete peace of mind when it comes time to spend money on their health care needs.

Average cost – $110.00

Common inclusions: All of the mid Extras coverage and the below

Compare Extras only health insurance

The below prices are taken from certain policy levels and may change due to your health needs, the health and wellbeing of your family and dependents, and your budget. Please note that these are the average cost of the different tiered policies.

Insurer
Basic
Mid
Top
Medibank 150x75 1 removebg preview
$30.30
$73.45
$109.90
Bupa 150x75 TB
$30.95
$69.50
$125.10
HCF 150x75 TB
$22
$42.50
$104.50
NIB 150x75 1
$30
$68.34
$125.76
HBF 150x75 1
$23
$97.25
$126.05
Australian Unity 150x75 TB
$39
$59.80
$102.25
gmhba1
$41.15
$85.00
$135.30
CBHS 150x75 1
$37
$57.07
$95.03

Source: Private Health.gov (February 2022; Premium estimates for a single individual living in NSW)

How to find the best Extras health cover