Compare combined hospital and extras packages from health.com.au and get complete protection
Health.com.au provides simple and straightforward health care for all Australians. However, health needs are a very individual thing, and finding the right health insurance cover means getting a plan that focuses on your needs.
As such, health.com.au offers a range of hospital plus extras packages, each of which offers different cover and different options to suit different budgets.
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The combined plans
|Starting weekly price||Hospital cover||Extras cover||Hospital Excess||Extras reimbursement|
|Simple Essentials 60||$23.54||Basic||Low-Mid||$500||60%|
|Base Pulse||$25.52||Basic||Low||$500||50% or 60%|
|Base||$27.51||Basic||Some||$500||65% or 75%|
|Base Middle||$29.20||Mid||Mid||$500||65% or 75%|
|Heart Basic||$33.43||Heartcare cover||Low-Mid||$250 or $500||65% or 75%|
|Heart Middle||$35.08||Heartcare cover||Mid||$500||65% or 75%|
|Heart High||$36.27||Heartcare cover||High||$500||65% or 75%|
|High||$51.36||High||High||$0, $250 or $500||65%, 75% or 85%|
The hospital cover offered by each
The Simple Essentials plan only covers specific treatments, while the other plans cover all Medicare services except the specified exclusions of each.
- yes - covered
- no - excluded
|Base Pulse||Base||Heart Basic||Heart Middle||Heart High||High|
|Covers all non-excluded Medicare services|
|Excludes any Medicare services?|
|Cataract and eye lens|
|Dialysis for chronic kidney failure|
|Joint replacement, including spine and prostheses|
The extras cover
|Simple Essentials 60||Base Pulse||Base||Heart Basic||Heart Middle||Heart High||High|
|Chiropractic and osteopathy|
What are the benefits of health.com.au combined plans?
There are a range of special features you can get with combined packages from health.com.au.
All extras (except Simple Essentials) reimburse you for health maintenance costs, such as gym memberships, and include emergency ambulance cover. Similarly, even the basic plans cover major dental and orthodontics, and may be a cost-effective way of finding the right extras cover with a cheaper combined plan.
The extras cover reimburses you for the following health maintenance expenses:
- Gym memberships
- Weight management programs
- Non-clinical Pilates
- Psychotherapy and hypnotherapy
- First aid courses
The Heartcare plans are only available as combined packages and include benefits especially suited for those with cardiac issues or who are worried about the ever-present chance of heart disease. This may be one of the more cost effective ways of getting cover for cardiothoracic surgery with even a basic-level hospital plan.
Health.com.au is an online only fund, which may help keep costs down, but you won’t be able to access over-the-counter services. However, live customer support service is available 24/7, and you can access your account online at any time to check your extras limits, make claims or ask questions of the live support team.
Limitations and waiting periods
Each of the cheapest plans has some cover limitations. The Simple Essentials 60 plan only offers a very limited range of hospital cover, but the extras cover extends to major dental, orthodontics, optical and other important inclusions.
With the Simple Pulse plan, you have a much higher level of hospital cover, but can only access some of the most basic extras cover and won’t have major dental or optical cover.
Restricted services also apply to all plans. Psychiatry, in particular, is not effectively covered to the full limits of hospital health insurance with any health.com.au cover level. For this, and any other treatments or services that are restricted under the terms of your policy, you can only claim benefits as a private patient in a public hospital and are not covered at private facilities.
It’s also important to note that hospital cover with all plans only extends to inpatient services. It is possible to find hospital cover for outpatient services with other providers.
Waiting periods also apply to all plans:
- 1 day: Ambulance cover and accident cover
- 12 months: Major dental, orthodontics, health appliances, pregnancy and all pre-existing conditions with hospital cover, except psychiatric, rehabilitation and palliative care which are 2 months
- 2 months: Everything else
How to make claims
To claim in a public or contract private hospital, you can simply present your claims card. For services where this isn’t an option, you can make claims through the Medicare system, which can liaise directly with health.com.au.
To claim extras, simply swipe your membership card at providers with a HICAPS system, or make a claim online through the member’s area of the website.
How to make payments
To keep things streamlined, health.com.au lets you make payments through direct debit from a bank account or credit card and offers a 4% discount for doing so.
You can choose to pay fortnightly, monthly or quarterly, and pick the day on which you will need to make your payments. When you pay premiums, you’re paying in advance for the upcoming period to help ensure you’re covered continuously.