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The best extras cover – we crunched 400 policies (yup, really)

Stop putting off that dental checkup with extras cover that has main character energy.

Who is this cover for?

What you need to know about extras insurance

  • Extras cover helps pay for non-hospital treatments like dental, optical, physiotherapy and more.
  • Most extras treatments are not covered by Medicare.
  • Extras cover starts at around $4 per week.

Extras cover explained

Extras cover helps pay for medical care that's not covered by Medicare. These treatments are usually done out-of-hospital and include dental, physio, psychology, optical and chiropractic services. You must serve a waiting period before you can claim money back and there are annual cover limits (a cap on how much you can claim per year).

Heart

Hospital only

Hospital cover helps pay for treatment and surgery in a private hospital.
Ambulance

Extras only

Extras cover helps cover the cost of optical, dental, physio and more.
Combined

Combined

Combined coverage includes hospital and extras coverage, each tailored to your needs.

Get cheap extras cover

Filter by price to find the cheapest extras policies available on Finder.

1 - 10 of 51
Name and lozenges Finder Score Treatments Price
Finder score
8.5
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
Get 6 weeks free extras cover. For new joins who maintain eligible extras. T&Cs apply. Learn more.
$17.20
per month
Go to SiteView details
HCF STARTER EXTRAS
Extras cover
Finder score
8.6
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$17.45
per month
Go to SiteView details
black 50 saver
Extras cover
Finder score
8.6
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
Get 6 weeks free extras cover. For new joins who maintain eligible extras. T&Cs apply. Learn more.
$18.80
per month
Go to SiteView details
Freedom 50
Extras cover
Finder score
8.5
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$20.00
per month
Go to SiteView details
Basic Extras
Extras cover
Finder score
8.4
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$27.05
per month
Go to SiteView details
Starter Extras
Extras cover
Finder score
8.4
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$32.20
per month
Go to SiteView details
Finder score
8.1
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
Want a $50 gift card when you join & maintain eligible Extras? Plus, get 2&6 month waits waived on extras. New members only. T&Cs apply. Excludes Healthy Living Extras.
$36.90
per month
Go to SiteView details
Finder score
8.3
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
Want a $50 gift card when you join & maintain eligible Extras? Plus, get 2&6 month waits waived on extras. New members only. T&Cs apply. Excludes Healthy Living Extras.
$36.95
per month
Go to SiteView details
HCF FLEX MY EXTRAS
Extras cover
Finder score
8.1
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$38.90
per month
Go to SiteView details
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Showing 10 of 51 results

Finder Score - Health Insurance Extras

Each month we analyse over 10,000 hospital insurance products and rate each one on price and features. What we end up with is a nice round number that helps you compare hospital cover a bit faster.

  • 9+ Excellent - Competitive pricing coupled with highly ranked extras.
  • 7+ Great -Balanced pricing and features, offering overall good value.
  • 5+ Satisfactory - These products offer a balance between price and features.
  • Less than 5 – Basic - These products usually offer fewer extras or above average pricing.

Pools and categories

We want to compare apples to apples, not apples to apple pie. It doesn't make sense to compare a top extras policy with coverage for hearing aids and braces against a policy designed only for dental. So we've separated all the extras policies on the market into pools and categories.

The Finder Score methodology is designed by our insights team and reviewed by our editorial team. Commercial partners carry no weight, and all products are reviewed objectively.

Once in their pools and categories, each product gets a Price Score and a Features Score, which are then combined to give the Final Score.

    Price Score

    The monthly price for each product is compared against other products within its assigned product pool and category. Each product is assigned a score between 1 - 10, with the lower the price, the higher the score.

    Features Score

    We calculate a score between 1 - 10 for each extras treatment category the product offers. 3 factors are scored individually based on their position in the pool, and are averaged to determine the individual score for each extra

    • The limit associated with the extra,
    • How many extras is the particular extra combined with, and
    • The waiting period.

    We calculate the score for each extras treatment category after assigning them a pool depending on their position within the assigned pool. The extras treatment categories that are scored are based on the classification of 'core extras' from the Australian government.

    We calculate the weighted average for each extras treatment category, based on the product category.

      Final Score

      The Cost Component scores and Features Component scores are combined and normalised to determine each product's Finder Score.

      The top 20 Extras cover according to Finder Score

      ProviderPolicyFinder Score
      ahmFamily Extras9.5
      BupaExplorer 50 Visitors Cover9.2
      HCFHCF VITAL EXTRAS9.2
      Navy HealthBudget Extras9.1
      MedibankEssential Extras 609.1
      Defence HealthEssentials Extras9.0
      HBFBasic Extras9.0
      SuncorpSuncorp Health Insurance Starter Extras9.0
      AAMIAAMI Health Insurance Starter Extras9.0
      Health PartnersBase Extras8.9
      Australian UnityBase Extras (BAE)8.9
      LatrobeCore Essential Extras8.9
      PeoplecareSimple Extras8.8
      ACAAncillary Lite8.7
      INGING Essential Extras8.6
      nibCore Extras8.6
      QantasQantas Basic Extras8.6
      ApiaApia Essential Extras8.5
      PricelinePriceline Starter Extras8.5
      RealReal Starter Extras8.5

      Why compare health insurance with Finder?

      • We don't ask for your phone or email to see prices.

      • With 1 click, you can open your results to nearly every fund in Australia.

      • You pay the same price as going direct – we charge no fees.

      What's the best extras insurance in Australia?

      The extras policies below won 2024 Finder Awards. They came out on top for value for money – meaning they give you more bang for your buck than the other 400+ policies we analysed.

      Keep in mind, everyone's needs are different, so it's worth doing some research yourself to get cover that works for you.

      Why you can trust our research

      400+ policies assessed

      46 health insurers analysed

      75+ hours of research

      Great all-rounder: HBF - Flex 50

      Flex 50

      From

      $9.14

      /week

      Extras only

      From

      $9.14

      /week

      Our verdict

      This won Finder's Medium Extras cover award in 2023 and 2024. Flex 50 gives you $800 to split how you like across 12 popular services, including dental. You could use all of that $800 combined annual limit on dental if you like, or you could split it up – it's totally up to you.

      Great for the basics: Westfund - Starter Extras

      Starter Extras

      From

      $5.92

      /week

      Extras only

      From

      $5.92

      /week

      Our verdict

      Consistently one of the cheapest dental insurance policies available. Westfund's Starter Extras option includes general dental cover and an optical benefit up to $180 per person. You can also choose how to spend $400 across a bunch of services including dental, optical, physio, chiro and more.

      What services can extras coverage include?

      Extras cover generally includes non-hospital services that aren't covered by Medicare, like dental and optical. The table below outlines some of the most common treatment categories.

      Service coveredDescription
      General dentalAlso called routine dental, this includes general examinations, clean and polishes, extractions, fillings and more.
      Major dentalMajor dental includes work like crowns, veneers, dentures, periodontics and more.
      OrthodonticsOrthodontic treatments include braces, aligners and retainers. This benefit is normally subject to a lifetime benefit limit.
      EndodonticsEndodontics deals with issues inside the tooth, including root canals.
      OpticalOptical cover typically includes the cost of prescription glasses and sunglasses, as well as contact lenses.
      OsteopathyOsteopathy is an alternative medicine focused on muscle and bones, and is partly covered by many extras policies.
      Healthy lifestyleThis benefit can help with things like quite smoking programs and gym memberships, if recommended by a GP.
      Travel vaccinationsVaccinations needed for travel
      Ambulance servicesAmbulance isn't covered by the government in most states, so many extras policies includes private cover for it.
      PhysiotherapyPhysical therapy can be partially covered by many extras plans, including exams, diagnosis and rehabilitation.
      ChiropracticSome select alternative therapies, including chriro, can be covered by some extras policies.
      Non-PBS medicationThis benefit can cover some of the costs of medications not covered by the Pharmaceutical Benefits Scheme.
      Health aidsHealth aids is a wide category that can cover appliances like artificial limbs, testing kits and health monitors.
      PodiatryPodiatry covers issues with your feet, including orthotics and some surgery.
      PsychologyMental health checks and therapy sessions can be partially covered by some extras policies.
      DieteticsSupport and consultations for food and nutrition services.
      Hearing AidsCoverage for hearing aid devices and audiology services can be covered. You'll generally only be able to claim for hearing aids every few years (3 to 5 years is common).

      Waiting periods for extras cover

      Waiting periods for health insurance apply to both extras and hospital policies. You'll generally need to wait for a period of between 2 and 12 months before claiming a particular benefit. Some major treatments require waiting periods of up to 2 or more years but this is less common. A very small handful of insurers let you skip waiting periods.

      • General dental - 2 months
      • Optical (e.g. glasses or contact lenses) - 6 months
      • Major dental (e.g. crowns, bridges) - 12 months
      • Orthodontics - 1-3 years

      How benefit limits work

      Benefit limits for extras only health insurance are the maximum amounts you can claim for specific treatments each calendar year. Many funds also break these down into the following types:

      • Combined limits. This is where several different services are included in one shared limit, such as physiotherapy, chiropractic and remedial massage all falling under an overall physical therapy benefit.
      • Sub-limits. These apply to specific treatments under a certain service, such as $500 for dentures and $800 for crowns, even though they fall under a major dental benefit.
      • Lifetime limits. Fairly rare and generally only applied to orthodontics, this means that your limit does not renew each year, and is carried over even if you switch to a higher level of cover or switch funds.

      Set benefits vs percentage benefits

      Health funds use two methods to cover extras services. Set benefits apply a fixed amount to each service, such as $500 for general dental, while percentage benefits do what the name suggests and calculates the benefit as a percentage that covers all services, such as 50% back. Some pros and cons of each method are outlined below:

      Cover methodProsCons
      Set benefits
      • You can customise your cover by picking a policy that pays the highest benefits for specific services.
      • Some funds increase the benefits each year that you continue to hold cover as a loyalty bonus.
      • Harder to calculate your out-of-pocket expenses, unless you know how much the provider charges for your treatment.
      Percentage benefits
      • Provides more certainty as you know whatever the bill is a set percentage of it is covered.
      • You may be able to opt for a higher percentage back in exchange for paying a slightly higher premium.
      • No ability to prioritise specific services, since the percentage back applies to everything covered by the policy.

      Why you can trust Finder's health insurance experts

      freeYou pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
      expert adviceYou save time. We spend 100s of hours researching health insurance so you can sort the gold from the junk faster.
      independentYou can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.

      Frequently asked questions

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      Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

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      Gary Ross has written 730 Finder guides across topics including:
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