Little girl and her mother at the doctors office

Comprehensive health insurance

Find out more about the top tier extras cover and choose the right policy for you and your family.

Extras insurance, also referred to as general or ancillary cover, is for all health services that are not covered by Medicare. This includes dental, optical, physiotherapy as well as other treatments and programs that concern physical and psychological wellbeing.

It's also the health insurance policy type that is exclusively for covering services at non-hospital medical facilities like GP offices and clinics. If you are looking for insurance for hospital related treatment you need to take out hospital insurance, or a combination hospital and extras policy.

Compare comprehensive health insurance policies and quotes

What are the different levels of extras insurance?

Extras insurance comes in three tiers of cover which are basic, medium and comprehensive.

  • Comprehensive cover. Comprehensive health insurance policies must include a wide range of services, with annual benefits that are equal to or above the industry average. Comprehensive policies offer cover for a wealth of services and treatments such as occupational therapy, remedial massage and blood glucose monitors.
  • Medium cover. Medium cover offers protection against the costs of major dental work and at least five options from a list that includes optical, chiropractic, physiotherapy and psychology.
  • Basic cover. These affordable policies provide cover for basic treatments and procedures.

What level of protection can I expect?

Comprehensive health insurance gives you the highest possible cover for a range of extras, including:

  • Dental. Accounting for more than half of all benefits paid out by insurers, comprehensive dental covers general and major operations, as well as orthodontic and endodontic work.
  • Optical. Most comprehensive health insurance policies provide cover for $250 worth of optical claims per year.
  • Therapies. Comprehensive extras insurance has various limits for physical and psychological therapies. Comprehensive health insurance often covers physiotherapy, podiatry and psychology along with treatments like acupuncture and naturopathy.
  • Other benefits. Many comprehensive extras policies provide some level of cover for expensive equipment such as hearing aids and treatments including laser eye surgery.

Any conditions I should be aware of?

While exclusions for what is and isn’t covered can vary from insurer to insurer, all policies will have limits and waiting periods you need to know about.

  • Benefit limits. Check what limits your policy has in regards to not only what you can claim but how much you can claim for a specific service. These limits can be yearly or lifetime, so don’t get caught out.
  • Waiting period. Another thing to be aware of is waiting periods. A waiting period is the time you have to wait before you can claim a benefit on a service. Depending on the benefit, waiting periods can be as short as one day or as long as a couple of years.

Who can benefit from comprehensive cover?

Whether or not you should invest in comprehensive extras insurance will largely depend on age and current health:

  • Families with children. A high level of cover could offer security for advanced dental work including braces and crowns. Families with a history of long or short-sightedness may feel that the likely costs of lenses make comprehensive health insurance a wise investment.
  • Singles or couples. A simple and well-rounded policy could help with a variety of out-of-hospital services, treatments and therapies.

Before you commit to a comprehensive extras insurance policy make sure to carefully compare all of your options. Some providers have loyalty bonuses and allow you to accumulate parts of your policy you don’t use. Others offer benefits such as discounted gym memberships and food payments which could add significant value to a sizeable investment.

Frequently asked questions

Looking for comprehensive extras cover? Speak to an adviser and compare quotes

Picture: Shutterstock

Richard Laycock

Richard is the insurance editor at finder.com.au. He is on a mission to make insurance easier to understand.

Was this content helpful to you? No  Yes

Related Posts

Compare health insurance on finder.com.au

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, read the PDS or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.

2 Responses

  1. Default Gravatar
    PeterNovember 1, 2017

    I currently have Medibank top hospital cover $500.00excess Top extras 70. Is there a same cover at a lower rate currently paying $225.10 per month

    • Staff
      RenchNovember 1, 2017Staff

      Hi Peter,

      Thanks for your inquiry. Please note that we are not affiliated with any company we feature on our site and so we can only offer you general advice.

      You can also have a look on this page for cheap health insurance that you can compare. Finding the policy that provides you with all the benefits you need with the smallest hit to your wallet. Get value for money. Get the policy that’s right for you.

      Hope this helps.

      Cheers,
      Rench

Ask a question