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Compare Extras Cover in Australia

Megan Fraser Fact Checked Updated: 27 November 2023
Types of Health Insurance

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. 

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

  • Extras cover provides benefits for out-of-hospital medical services not covered by Medicare.
  • It includes services like dental, optical, physiotherapy, chiropractic care, psychology, and more.
  • Consider coverage, annual limits, waiting periods, premiums, extras networks, claiming process, and customer reviews.

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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.

  • Basic Extras cover: These affordable options cover essential services such as general dental care and physiotherapy but may have limited coverage for other services like optical care.
  • Medium Extras cover: Ideal for those seeking a balance between coverage and affordability, medium extras cover expands the benefits to include services like dental care and occupational therapy, which are not covered in the basic package.
  • Top Extras cover: The most comprehensive level of extras cover, top-tier policies cater to individuals who want comprehensive coverage across various services. These plans offer benefits for services such as orthodontics, hearing aids, psychology, and more, with higher annual limits than other options.

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:

InsurerBasic CoverMid-level CoverTop-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$18.60 – $29.97$61.01 – $93.67$127.39 – $159.15
HBF$24.90$45.45 – $63.90$81.20 – $134.30
Australian Unity 150x75 TB$38.55$59.80$102.25
GMHBA Health Insurance Australia$28.65 – $42.95$65.30 – $87.55$93.60 – $139.35
CBHS Health Fund$24.18$53.39$157.69

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

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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:

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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:

Frequently Asked Questions and Answers

  • Is Extras only cover worth it?

    Whether extras only cover is worth it depends on your individual healthcare needs and preferences. Extras cover can be beneficial if you frequently require dental, optical, physiotherapy, or alternative therapies. It helps reduce out-of-pocket expenses for these services not covered by Medicare. However, if you rarely use these services or prefer to pay for them out-of-pocket, Extras only cover may not be necessary for you. Consider your specific healthcare needs and budget to determine if Extras cover is worth it.
  • What does Extras cover include?

    Extras cover typically includes a range of services not covered by Medicare. These include dental treatments (such as check-ups, fillings, and extractions), optical services (like eye examinations and prescription glasses), physiotherapy, chiropractic care, psychology sessions, naturopathy, and more. The specific services covered vary between policies and insurers, so reviewing the policy details is important to understand the inclusions and limitations.
  • What is the difference between Hospital cover and Extras cover?

    Hospital policies cover in-hospital medical treatments, surgeries, and accommodation in private hospitals. It helps cover the costs associated with hospital stays, specialist fees, and certain medications. On the other hand, extras cover focuses on out-of-hospital services not covered by Medicare, such as dental, optical, physiotherapy, and alternative therapies. While hospital cover primarily relates to inpatient treatment, extras cover covers services received outside a hospital setting.
  • Is it worth having Hospital cover?

    Whether hospital coverage is worth it depends on your circumstances and healthcare needs. Hospital cover can allow you to choose your doctor, shorter waiting times for elective surgeries, and access to private hospital facilities. It can also help you avoid the Medicare Levy Surcharge if you earn above a certain income threshold. However, it’s important to assess the cost of hospital coverage premiums and compare it against the potential benefits you may receive. Consider factors like your health condition, lifestyle, financial situation, and preferences when determining if hospital coverage is worth it.
  • Is there excess for Extras cover?

    Generally, excess does not apply to Extras cover. An excess is commonly associated with hospital cover, where you pay a predetermined amount when admitted to a hospital. Extras cover usually involves benefit limits, waiting periods, and annual sub-limits, but not an excess payment.
  • Can you have Hospital and Extras with different providers?

    Yes, having hospital coverage and extras covered with different providers is possible. You can choose separate insurers for your hospital and extras policies based on your specific needs and preferences. However, it’s important to manage and coordinate your coverage effectively between the two insurers, ensuring that you understand the terms and conditions of each policy and the potential impact on claims and benefits.

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