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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).
Filter by price to find the cheapest extras policies available on Finder.
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.
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.
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.
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
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.
The Cost Component scores and Features Component scores are combined and normalised to determine each product's Finder Score.
Provider | Policy | Finder Score |
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ahm | Family Extras | 9.5 |
Bupa | Explorer 50 Visitors Cover | 9.2 |
HCF | HCF VITAL EXTRAS | 9.2 |
Navy Health | Budget Extras | 9.1 |
Medibank | Essential Extras 60 | 9.1 |
Defence Health | Essentials Extras | 9.0 |
HBF | Basic Extras | 9.0 |
Suncorp | Suncorp Health Insurance Starter Extras | 9.0 |
AAMI | AAMI Health Insurance Starter Extras | 9.0 |
Health Partners | Base Extras | 8.9 |
Australian Unity | Base Extras (BAE) | 8.9 |
Latrobe | Core Essential Extras | 8.9 |
Peoplecare | Simple Extras | 8.8 |
ACA | Ancillary Lite | 8.7 |
ING | ING Essential Extras | 8.6 |
nib | Core Extras | 8.6 |
Qantas | Qantas Basic Extras | 8.6 |
Apia | Apia Essential Extras | 8.5 |
Priceline | Priceline Starter Extras | 8.5 |
Real | Real Starter Extras | 8.5 |
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.
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.
400+ policies assessed
46 health insurers analysed
75+ hours of research
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.
From
$5.92/week
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.
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 covered | Description |
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General dental | Also called routine dental, this includes general examinations, clean and polishes, extractions, fillings and more. |
Major dental | Major dental includes work like crowns, veneers, dentures, periodontics and more. |
Orthodontics | Orthodontic treatments include braces, aligners and retainers. This benefit is normally subject to a lifetime benefit limit. |
Endodontics | Endodontics deals with issues inside the tooth, including root canals. |
Optical | Optical cover typically includes the cost of prescription glasses and sunglasses, as well as contact lenses. |
Osteopathy | Osteopathy is an alternative medicine focused on muscle and bones, and is partly covered by many extras policies. |
Healthy lifestyle | This benefit can help with things like quite smoking programs and gym memberships, if recommended by a GP. |
Travel vaccinations | Vaccinations needed for travel |
Ambulance services | Ambulance isn't covered by the government in most states, so many extras policies includes private cover for it. |
Physiotherapy | Physical therapy can be partially covered by many extras plans, including exams, diagnosis and rehabilitation. |
Chiropractic | Some select alternative therapies, including chriro, can be covered by some extras policies. |
Non-PBS medication | This benefit can cover some of the costs of medications not covered by the Pharmaceutical Benefits Scheme. |
Health aids | Health aids is a wide category that can cover appliances like artificial limbs, testing kits and health monitors. |
Podiatry | Podiatry covers issues with your feet, including orthotics and some surgery. |
Psychology | Mental health checks and therapy sessions can be partially covered by some extras policies. |
Dietetics | Support and consultations for food and nutrition services. |
Hearing Aids | Coverage 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 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.
I've always taken out a policy that comes with no waiting periods. It means I can start claiming straight away. I once took out extras cover and was able to claim $600 worth of benefits in a week.— Gary Ross Hunter, insurance and innovations editor
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:
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 method | Pros | Cons |
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Set benefits |
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Percentage benefits |
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