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Compare Extras Cover in Australia

Extras cover, also known as ancillary or general treatment health insurance, provides a benefit towards the cost of out-of-hospital medical services that Medicare does not cover. It includes a wide range of services such as dental, optical, physiotherapy, chiropractic care, psychology, and more.
Fact Checked

Updated: 22 May 2024

Extras cover is worth considering because it helps reduce out-of-pocket expenses, ensuring that you are financially protected when managing your health and well-being. Whether you need regular dental check-ups, physiotherapy assistance, or alternative therapies, Extras can provide peace of mind knowing that you have coverage for these services.

Key facts

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What is Extras cover?

Extras cover, also known as ancillary or general treatment health insurance, offers benefits for out-of-hospital medical services to manage or prevent diseases. Private health insurers provide these policies and can be standalone or combined with Hospital coverage. It’s important to note that waiting periods apply before you can claim benefits, and annual limits may save you money.

Different Levels of Extras cover:

Extras cover in Australia typically come in three levels: Basic, Medium, and Top. Each level offers varying coverage and costs to cater to different needs.

Cost of Extras cover

The cost of Extras cover varies depending on the level of coverage and the insurer. However, the cost can vary based on individual circumstances and specific coverage needs. It is crucial to compare premiums from different health insurance providers to find a policy that suits your requirements and budget.

Comparing Private Health Insurance Extras Policies

To make a well-informed decision, compare Extras policies offered by various health insurance companies. The table below highlights a sample of premiums for basic, medium, and top Extras policies from various insurers:

Insurer
Basic Cover
Mid-level Cover
Top-level Cover
Medibank 150x75 1 removebg preview
$31.30 – $36.40
$53.80 – $77.70
$101.55 – $164.15
Bupa 150x75 TB
$16.00 – $30.95
$55.00 – $81.85
$94.85 – $185.75
HCF 150x75 TB
$16.95 – $22.50
$43.35
$78.90 – $105.50
NIB 150x75 1
$18.60 – $29.97
$61.01 – $93.67
$127.39 – $159.15
HBF 150x75 1
$25
$45.45 – $63.90
$81.20 – $134.30
Australian Unity 150x75 TB
$39
$59.80
$102.25
gmhba1
$28.65 – $42.95
$65.30 – $87.55
$93.60 – $139.35
CBHS 150x75 1
$24
$53.39
$157.69

Source: Privatehealth.gov.au (November 2023; Premium estimates for a single individual living in NSW)

Understanding Waiting Periods

Waiting periods are periods that must be served before you can claim benefits. The length of waiting periods varies depending on the service and the policy you choose. Some common waiting periods include:

Is Extras Cover worth it?

Whether Extras cover is worth it depends on your requirements and healthcare needs. If you have a family and expect out-of-hospital expenses like dental and doctor’s appointments, purchasing Extras cover is recommended. It provides financial protection and peace of mind knowing you’re covered for essential services.

How to choose Extras cover

When comparing Extras policies, it’s essential to consider several factors to ensure you choose the most suitable coverage for your needs. Here are some key points to consider when comparing Extras policies: