Finder makes money from featured partners, but editorial opinions are our own.

Extras Cover in Australia

Extras cover helps pay for costs like dental, physio and glasses from as little as $4 per week* - less than a cup of coffee ☕

What you need to know

  • 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* – less than the cost of a cup of coffee.

What is extras cover?

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.
The table below compares extras policies from Finder partners. It's sorted by value using the Finder score algorithm our experts use for the Finder health insurance awards. Prices are for a single person earning less than $93,000 living in Sydney, with a $750 excess - learn why this matters here.
X

How we calculate our Finder Score

The Finder Score ranks every health policy in our database on value for money. We updated this monthly with data provided by Ombudsman.

We consider the 38 hospital treatment categories, plus the covered extras categories and the total extras benefit. We also use the average price for each product. Here's the breakdown of factors we consider.

How we calculate Health Insurance Finder ScoresHospitaltreatmentscovered25%Hospital price25%Total extrasbenefits12.5%Extras treatments12.5%Extras price25%Chart:Finder
X

Finder survey: What kind of health insurance do Australians have?

ResponseFemaleMale
Extras37.36%36.04%
Source: Finder survey by Pure Profile of 1006 Australians, December 2023

Factors that affect your health insurance premiums

There are several factors that will change the price of your health insurance premiums, whether you get hospital or extras cover. Here are the main ones to consider.
  • Private Health Insurance Rebate: The price of your policy can vary by over 25% due to rebate. It's mainly based on your age and income.
  • Lifetime Health Cover Loading: If you don't have hospital cover after age 31, a 2% loading will be added to the price each year you don't have it.
  • State: The cost of medical care is different in every state, and that's reflected in your premiums.
  • Policy Excess: A policy with a larger excess will have lower premiums, but you will have more out of pocket costs when you claim.
1 - 30 of 43
Name Product Treatments Price Apply
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +1 other treatments covered
$12.97
per month
HCF STARTER EXTRAS
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +1 other treatments covered
$13.16
per month
black 50 saver
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
$14.17
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +1 other treatments covered
$17.42
per month
Basic Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
$20.39
per month
Basic Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
$26.80
per month
Simple Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +1 other treatments covered
$28.24
per month
HCF FLEX MY EXTRAS
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +1 other treatments covered
$29.33
per month
Value Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +3 other treatments covered
$34.38
per month
HCF MID EXTRAS
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +2 other treatments covered
$35.06
per month
Flex 50
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +3 other treatments covered
$36.57
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +2 other treatments covered
$37.28
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +4 other treatments covered
$38.04
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +2 other treatments covered
$38.30
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +2 other treatments covered
$40.15
per month
Simple Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +4 other treatments covered
$41.96
per month
black 60
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +1 other treatments covered
$42.03
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +3 other treatments covered
$43.12
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +4 other treatments covered
$48.59
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +2 other treatments covered
$48.82
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +4 other treatments covered
$49.53
per month
Essential Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +5 other treatments covered
$51.87
per month
Flex 60
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +3 other treatments covered
$55.34
per month
Mid Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +4 other treatments covered
$55.46
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +2 other treatments covered
$55.57
per month
Lifestyle Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +4 other treatments covered
$57.41
per month
black 70
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +1 other treatments covered
$59.30
per month
Frank More Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +5 other treatments covered
$59.33
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +4 other treatments covered
$59.48
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +5 other treatments covered
$60.85
per month
loading

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.

Start comparing for freeStart comparing for free

Finder award winners 2024: Best extras cover

Best Health Insurance - Comprehensive extras

Best Health Insurance - Comprehensive extras
Latrobe health insurance

Latrobe Health Services - Core Complete Extras Package

The Comprehensive Extras category winner for 2024 is Latrobe's Core Complete Extras Package. It costs approximately $9 per week and covers all standard extras treatments, as well as nutrition, psychology, audiology, speech therapy, health appliances including blood glucose monitors and hearing aids. It also comes with unlimited emergency ambulance transportation.

Finalist Health Insurance - Top extras Highly commended

Medibank health insurance

Medibank - Growing Family 60

Medibank's Growing Family 60 is tailored towards families who plan to have children. It covers all the standard extras treatments as well as pregnancy compression garments, antenatal and postnatal services and more.

Westfund health insurance

Westfund High Extras

The third highest ranking policy in the comprehensive extras category, Westfund's High Extras policy is designed for mature singles and couples. The policy provides generous per-person limits on optical, dental, physiotherapy, chiro, and a range of other therapies.

Best Health Insurance - Medium Extras

Best Health Insurance - Medium Extras
HBF health insurance

HBF - Flex 50

HBF's Flex 50 is the Medium Extras category winner. Starting from around $8 a week, it lets you split your $800 limit across 12 popular services including preventative dental, major dental, physio and dietetics.

Finalist Health Insurance - Medium Extras Highly commended

Bupa health insurance

Bupa - Your Choice Extras 60

Bupa's Your Choice Extras 60 is another high-ranking flexible extras option. The 2024 runner up costs around $9 a week and lets you tailor your extras cover to suit your needs. You'll receive 50% back at Bupa recognised providers on your selected services, up to your yearly limits.

Medibank health insurance

Medibank - Healthy Start Extras

Medibank's Healthy Start Extras came in third place. It costs around $6 per week, making it one of the cheapest policies available. You get a $500 combined limit on extras services such as physio, mental health support and chiro.

Best Health Insurance - Core Extras

Best Health Insurance - Core Extras
Westfund health insurance

Westfund - Starter Extras

Westfund's Starter Extras option is the winner of the 2024 Core Extras category. To get our final extras insurance scores, we added together the price and features scores and weighted them 50:50. Westfund's Starter Extras came out on top.

Finalist Health Insurance - Core Extras Highly commended

Latrobe health insurance

Latrobe Health Services - Basic Extras

Latrobe's Extras option is the runner up in the 2024 Core Extras category. Costs start from around $4 a week and it covers general dental, major dental, optical and more.

ahm health insurance

ahm - choosable 60 teeth/wellbeing

Ahm's Basic Extras option is the third highest ranking Core Extras policy according to the Finder rating. Costs start from just under $9 a week and it covers general dental, major dental, Physiotherapy and more.

Pros and cons of extras only health insurance

Pros

  • A wide range of services are included, offering you multiple chances to save money
  • Helps you pay for prescription medications that aren't listed on the government's PBS list
  • It can be very cheap to get cover. Extras cover can start from around $4 per week - less than a cup of coffee

Cons

  • You won't be insured for a range of hospital treatments
  • Gap payments (or out-of-pocket costs) are likely to apply to many services
  • Extras coverage won't exempt you from the Medicare Levy Surcharge or the Lifetime Health Cover loading. You'll need hospital or combined cover for that

Do you actually need extras cover? I get asked this all the time. As with any insurance, your personal circumstances hold the answer. A colleague told me her extras had paid out $916.60 from benefit claims in the past year – $270 more than the cost of her premiums over the same time. Ultimately, it's your call if you can make extras cover work for you. If the answer's 'yes', do yourself a favour by shopping around at least once a year. Finder's Awards picks and the latest introductory offers can be your guide.

James Martin

James Martin
Insurance editor

How much does extras cover cost?

The cost of extras cover varies depending on how comprehensive your policy is. Currently, the average price of a extras policy is $16 per week*. The cost of the cheapest extras policy available today is just $4 per week*. More expensive policies generally cover more treatments, and have greater benefits. The map and table below has details of the cost of extras cover in each state as of January 2022.

*Prices are based on a single person living in Sydney, for extras policies that cover at least ambulance and general dental.

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.

Extras cover with no waiting period

There are a few ways to get zero waiting periods on some extras treatments, including general dental, optical and physio.

Gary Ross Hunter's first-hand experience

How Finder's senior insurance writer saves on extras

I've always taken out a policy that comes with no waiting periods. It means I can start claiming straight away. One time I took extras cover out I was able to claim $600 worth of benefits in a week.
— Gary Ross Hunter, insurance and innovations editor.

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

free

We're free

Our health insurance engine is completely free to use. You pay the same as buying directly from the health insurer. Better still, we regularly run exclusive deals that you won't find on any other site.
expert advice

We're experts

We've researched and rated hundreds of policies as part of our Finder Awards. We've published 250+ guides and our in-house experts regularly appear on Sunrise, 7News and SBS News.
independent

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and you can compare nearly every health fund in Australia on the site (and find a better deal).
help

We're here to help

Since 2014, we've helped 350,000+ people find health insurance by explaining your options simply. We'll never ask for your number or email to see prices. We're here to help you make a decision.

Frequently asked questions

More guides on Finder

Go to site