Health Logo Extras Only Health Insurance

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

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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 combined plans which can deliver higher reimbursement limits and other features.

There are two standalone extras policies available:

  • Pulse: Your choice of 50% or 60% back on some of the most important and usable extras.
  • Extras 50: Get 50% back on a wide range of ancillary health services.
Pulse (50% or 60% plans)Extras 50 (50%)
General dental (fillings, scale and clean)$500$500
Major dental
  • no
  • no
  • no
Physiotherapy, chiropractic and osteopathy$300 ($150 sub-limit for physio, and $150 for chiropractic and osteopathy)$350
Natural therapies$150$400
Remedial massage$150
Health maintenance (e.g. gym memberships)$200
Non-PBS prescription medication
  • no
  • no
  • no
Emergency ambulanceUnlimitedUnlimited
  • The dollar values are the annual limits for different services for a singles policy. Couples and family cover have double the specified limits.

What are the benefits of 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.

The full range of extras services covered is more limited than what might be found with more comprehensive plans, so these might be more useful for relatively young and healthy families or individuals. The plans may not have the wide-ranging cover that someone with more advanced health issues needs.

For example, neither of these standalone options include any benefits for health appliances or podiatry, which are quite commonly found elsewhere, and might be on your “must-have” list if you have specific health issues.

With standalone hospital and extras policies, or combined cover, you can also get the benefits of joining an online-only health fund that still offers live customer service 24 hours a day, 7 days a week. If you want over-the-counter services this might not be right for you, but if you’re happy to do things online only, it may help to keep your costs down, and keep policies more affordable.

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 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 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 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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Andrew Munro

Andrew writes for, comparing products, writing guides and looking for new ways to help people make smart decisions. He's a fan of insurance, business news and cryptocurrency.

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