Health.com.au Extras Only Health Insurance

Get cover for dental, chiro, physio and much more with health.com.au extras cover

health.com.au has set about redefining the Australian health insurance industry with simple, straightforward packages, a high level of 24-hour customer service and clear terms and conditions.

Compare health.com.au's policies and receive a quote from a consultant

Compare the extras plans

The standalone extras plans are designed to be affordable and to deliver the benefits you need. For more comprehensive extras policies, you might want to check out health.com.au combined plans which can deliver higher reimbursement limits and other features.

Health.com.au offers three different types of extras plans:

FeaturePulse 50Extras 50Pulse 60
General Dental
  • Yes
  • Yes
  • Yes
Major Dental
  • No
  • Yes
  • No
Physiotherapy
  • Yes
  • Yes
  • Yes
Chiropractic and osteopathy
  • Yes
  • Yes
  • Yes
Natural therapies (acupuncture etc.)
  • Yes
  • Yes
  • Yes
Health maintenance (e.g. swimming lessons, gym membership)
  • Yes
  • Yes
  • Yes
Orthodontics
  • No
  • Yes
  • No
Optical
  • No
  • Yes
  • No
non-PBS pharmacy
  • No
  • Yes
  • No
Dietetics
  • No
  • Yes
  • No
Psychology
  • No
  • Yes
  • No
Nutritionists
  • No
  • Yes
  • Yes
Hypnotherapy
  • No
  • No
  • No
Antenatal + postnatal care
  • No
  • No
  • No
Eye and speech therapy
  • No
  • No
  • No
Podiatry
  • No
  • No
  • No

What are the benefits of health.com.au standalone extras plans?

Both standalone plans can cost-effectively deliver a range of benefits.

    • Pulse: An affordable way of finding general dental cover, unlimited emergency ambulance cover plus some easily usable additional benefits, such as health maintenance and remedial massage, which are not always found in cheap standalone extras plans.
    • Extras 50: The 50% reimbursement, combined with the relatively high annual limits for each cover type, mean this might be a useful way of defraying costs if you plan to use a lot of services each year.
    • Active 60: An even higher 60% reimbursement on services plus cover for podiatry and 100% optical refunds makes this a good choice for more active individuals than you might get from the Extras policy.

The full range of extras services covered in these plans is generally more limited than what you might find in comparable policies, so these might be more useful for relatively young and healthy families or individuals.

For example, the two lower plans don't include cover for podiatry or health appliances, which are quite commonly found elsewhere, and might be on your "must-have" list if you have specific health issues.

What are the limitations and waiting periods?

The most significant limitation of the available standalone extras policies is that they cover only a limited range of health services, and you cannot get more than 50% reimbursement, or 60% for a limited range of services with a Pulse 60 plan. Even the higher level Extras 50 plan is not comprehensive extras cover.

If you want higher reimbursement levels, or cover for more services with health.com.au extras, you’ll need to take out a combined plan.

Waiting periods also apply. The extras cover waiting periods are as follows:

  • 1 day: Emergency ambulance
  • 12 months: Major dental and orthodontics
  • 2 months: Everything else

How to claim

To claim, simply swipe your health.com.au membership card with the many providers that have electronic payment facilities.

If you end up seeing a provider that doesn’t offer electronic payment, you can make claims online through the health.com.au online members’ area.

How to make payments

You can pay premiums with direct debit from your bank account or credit card and get a 4% discount on premiums. If your payment details change, you can update these details online at any time to ensure you don’t miss a payment.

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