health.com.au-logo

Health.com.au Hospital and Extras Cover Policy Review

With lots of options to choose from, health.com.au aim to have a policy for everyone.

Health.com.au provides simple and straightforward health care for all Australians. With over 40 options to choose from, their hospital and extras cover options hope to cover all bases. With prices ranging from $21 to $134 a week.

Top 3 features
  1. Good for letting you choose your own providers.
  2. Good for various budgets.
  3. Beware if you are overwhelmed by a lot of choice.

What hospital and extras cover options are available?

Health.com.au effectively let you mix and match hospital and extras cover. The simplest way to find out what policy suits you best is probably by breaking down and looking first at their hospital policies and extras policies, then selecting the combined hospital and extras option that suits you best. All policies come with a choice of $500 or $750 excess.

  • Entry Hospital: Covers you as a private patient in a public hospital.
  • Base Hospital: Cover for the basics, includes the cost of your bed as well as things like meals, nurses, theatre fees and more.
  • Heart Hospital: Only available with combined hospital and extras cover, this is a step up from Base and includes Heart & Lung related services.
  • Core Hospital: The most comprehensive cover option, this includes most services but no pregnancy and birth related care.
  • Pulse 50: 50% back with cover for general dental, physio, chiro and more but not optical.
  • Pulse 60: 60% back with cover for general dental, physio, chiro and more but not optical.
  • Extras 50: 50% back with cover for general and major dental as well as psychology services and health maintenance.
  • Active 60: 60% back with cover for general dental, complex dental, major dental as well as physio, chiro, optical and podiatry.
  • Base 65: 65% back with cover for overall dental, optical, physio, chiro and more. Only available with combined hospital and extras cover.
  • Base 75: 75% back with cover for overall dental, optical, physio, chiro and more. Only available with combined hospital and extras cover.
  • Middle 65: 65% back with cover for overall dental as well as physio, chiro and optical but not podiatry. Only available with combined hospital and extras cover.
  • Middle 75: 75% back with cover for overall dental as well as physio, chiro and optical but not podiatry. Only available with combined hospital and extras cover.
  • High 65: 65% back with cover for the majority of extras services including things like speech and eye therapy. Only available with combined hospital and extras cover.
  • High 75: 75% back with cover for the majority of extras services including things like speech and eye therapy. Only available with combined hospital and extras cover.

Here are how some of the prices stack up:

The combined plansStarting Weekly priceHospital Excess
Entry Hospital with Pulse 60

$21.64

$500

Base Hospital with Pulse 50

$26.07

$750

Base Hospital with Pulse 60

$26.71

$750

Base Hospital with Pulse 50

$26.76

$500

Base Hospital (Co-pay) with Base 65

$27.29

$500

Base Hospital with Pulse 60

$27.34

$500

Entry Hospital with Active 60

$27.98

$500

Base Hospital with Base 65

$28.43

$750

Base Hospital with Base 65

$29.12

$500

Base Hospital with Middle 65

$30.57

$750

Base Hospital with Middle 65

$31.26

$500

Base Hospital (Co-pay) with Base 75

$31.58

$500

Base Hospital (Co-pay) with Active 60

$31.85

$500

Base Hospital with Extras 50

$32

$750

Base Hospital with Extras 50

$32.63

$500

Base Hospital with Base 75

$32.72

$750

Base Hospital with Active 60

$33.06

$750

Base Hospital with Base 75

$33.41

$500

Base Hospital with Active 60

$33.69

$500

Heart Hospital with Base 65

$34.44

$750

Base Hospital with Middle 75

$35.81

$750

Heart Hospital with Base 65

$35.89

$500

Base Hospital with Middle 75

$36.50

$500

Heart Hospital with Middle 65

$36.58

$750

Heart Hospital with High 65

$37.67

$750

Heart Hospital with Middle 65

$38

$500

Heart Hospital with Base 75

$38.73

$750

Heart Hospital with High 65

$39.20

$500

Heart Hospital with Base 75

$40.26

$500

Heart Hospital with Middle 75

$41.82

$750

Core Hospital with Pulse 60

$42.94

$500

Heart Hospital with Middle 75

$43.14

$500

Heart Hospital with High 75

$43.23

$750

Core Hospital with Middle 65

$44.04

$750

Heart Hospital with High 75

$44.76

$500

Core Hospital with Extras 50

$45.46

$750

Core Hospital with Active 60

$46.52

$750

Core Hospital with Middle 65

$46.80

$500

Core Hospital with Extras 50

$48.22

$500

Core Hospital with Middle 75

$49.27

$750

Core Hospital with Active 60

$49.28

$500

Core Hospital with Middle 75

$52.04

$500

Prices correct on April 2019

Other benefits of Combined Hospital and Extras Cover

  • With combined cover, you have access to different levels of cover that you can't get on a hospital or extras only policy. This includes Heart Hospital cover which is ideal for those with pre-existing heart conditions.
  • You can choose between a $500 and $750 excess depending on your budget, which could help you save money in the long run.
  • Pulse extras services don't include optical services, which for young and healthy individuals, might be a good way to cut costs.
  • Combined plans such as Core Hospital with Middle 75 and Heart Hospital with High 75 give you much better reimbursement levels than extras only policies.
  • Health.com.au has no preferred providers which means you can go with your favourite provider and you'll always receive the same benefit.

How do the costs work?

Your excess is the amount you agree to pay up front when you need to be admitted to hospital. It goes towards the cost of your hospital treatment. So if your excess is $500 you'll have to pay the first $500 of the hospital fees while you also have the option of a $750 excess fee. If you opt for the $750 fee, it means your weekly fee will be smaller.

There is also a co-payment. This is the amount of money you have to pay –up to an agreed amount – for every day you spend in hospital. It's worth keeping in mind that, depending on the policy you're on, your excess might be applicable twice per calendar year.

Similarly, health.com.au provide various % back options for your extras cover. Depending on how high a % back you want will affect the price of the policy. While health.com.au extras only policies have low reimbursement levels, combined plans have cover that gives you as much as 75% back.

Waiting periods and limitations

If you switch to health.com.au from another health insurance provider, they will honour all the waiting periods you've already served. This means you won't need to re-serve any waiting periods.

However, if your new cover with health.com.au includes something that you didn't have before – whether it is hospital or extras cover – then you will need to serve a waiting period for that specific service.

How to make a claim

Health.com.au provide their members with cards so when you need to pay for an extras service, you can simply swipe your card and you'll receive a percentage back off the overall cost, which will depend on your policy.

If the provider doesn't have a HICAPS or iSOFT terminal, then you'll need pay for your service and get a copy of the invoice. You can then send the invoice to health.com.au for reimbursement.

Whenever you have to go to a private or public hospital, let them know that you have a policy with health.com.au. Health.com.au will then be sent your hospital account information, which they will evaluate on your behalf.

Medical services such as assisting surgeons and anaesthetists require a separate claiming process, so you may be sent invoices for any specialist services you received while you're in hospital.

Was this content helpful to you? No  Yes

Related Posts

You might like these...

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, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Ask a question
Go to site