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Extras health insurance

See below for a selection of some of the best extras health insurance policies.

Who is this cover for?

Core Extras
ahm choosable 60 teeth/wellbeing
  • 2024 Highly commended: Core extras
  • Smile like you mean it - $800 of dental benefits
  • $300 benefit for psychology, health improvement and more
Comprehensive Extras
Medibank Growing Family 60
  • 2024 Highly commended: Comprehensive extras
  • Over $2,000 worth of benefits in your first year
  • Antenatal and postnatal is covered for expecting parents
Medium Extras
HBF flex 50
Finder Award
  • 2024 winner: Best medium extras product
  • Gymnast-like flexibility - $800 of benefits across 12 treatments
  • An extra $200 benefit for optical
Bonuses
Qantas
  • Regular massive bonus point offers for new customers
  • Earn 1 Qantas point for every $1 spent
  • Even more points on offer with the Qantas Wellbeing App

Core Extras: ahm choosable 60 teeth/wellbeing

choosable 60 – teeth / wellbeing

From

$9.51

/week

Extras only

From

$9.51

/week

Pros & cons:

  • One of the more basic extras policies, but covers some really important treatments at a reasonable price.
  • Dental is covered with a very respectable $800 of yearly benefits, with another $300 of benefits for wellness treatments.
  • Also covers emergency ambulance, which everyone should have.
  • Doesn't cover common treatments like physiotherapy, chiro or optical - if you need those, you'll need to find another policy.
  • Wellbeing extras limit of $300 is shared across all wellbeing treatments, and could be a bit restrictive.

Member retention rate

86.90% (including Medibank)

Complaints score

Sub-standard. ahm gets 10% more complaints than its market share (including Medibank).

Why we like it

This product has the teeth and wellbeing package, so it's great for you if you like to smile. For real though, this could be good for a young person who needs dental and ambulance cover, but also wants to stay on top of their overall wellbeing. ahm choosable 60 (teeth/wellbeing) was the highest ranking product from a Finder partner in the 2024 Finder Awards in the core extras category. This meant it offered more treatment categories and a higher overall benefit limit per premium dollar than every product than it beat.

Comprehensive Extras: Medibank Growing Family 60

Growing Family 60

From

$11.95

/week

Extras only

From

$11.95

/week

Pros & cons:

  • Very strong benefit limit, with over $2,000 worth of benefits in your first year, which will increase over time for some treatments.
  • Comprehensive cover for dental, including orthodontics.
  • Antenatal and postnatal services like birthing courses and lactation consultants are covered - great for new parents-to-be.
  • Orthodontics only has a $100 limit in the first year, increasing by $100 a year up to a $1,200 lifetime maximum. That means you'd need cover for 11 years to get the full benefit.
  • The pregnancy related benefits might not be useful to you.

Complaints score

Sub-standard. Medibank gets 10% more complaints than its market share (including ahm).

Complaints

Excellent. hbf gets 52% fewer complaints than its market share.

Why we like it

This one is a good value policy for someone looking for comprehensive extras cover to match a high tier hospital policy. It's especially good for folks looking to have kids because of the pregnancy related treatments covered - hence the name. Medibank - Growing Family 60 was the highest ranking product from a Finder partner in the 2024 Finder Awards in the comprehensive extras category. This meant it offered more treatment categories and a higher overall benefit limit per premium dollar than every product than it beat.

Medium Extras: HBF flex 50

Flex 50

From

$9.14

/week

Extras only

From

$9.14

/week

Pros & cons:

  • A single, flexible $800 benefit limit you can use for 12 different treatments however you like, with just one sub-limit for natural therapies.
  • An extra $200 limit for optical is great if you know you'll need glasses or contacts.
  • Access to a really wide range of treatments, which is uncommon at this price point.
  • A combined limit means you will need to make a call on what you use it on.
  • In that combined limit there is a $200 sub-limit on natural therapies including remedial massage.

Member retention rate

89.90% (the highest of the big funds)

Complaints score

Excellent. hbf gets 52% fewer complaints than its market share.

Why we like it

One of the downsides of extras is that you can only claim so much on each treatment, so it often feels like you're paying for services you don't need. What's nice about the hbf flex range is that you get a single limit that you can just use on the treatments that actually matter to you. Also, hbf flex 50 won the 2024 Finder Award in the medium extras category. This meant it offered more treatment categories and a higher overall benefit limit per premium dollar than every product in that category.

Bonuses: Qantas

Pros & cons:

  • Often has some massive bonus point offers on sign-up, often up to or above 100,000 points.
  • You'll also earn 1 Qantas frequent flyer point per $1 spent, so you'll keep earning as long as you keep your policy.
  • Not a frequent flyer member? You'll get it included in your coverage when you join, which normally costs $99.50.
  • How many sign-up bonus you score will depend on your cover - it's only available for combined policies, and you'll need to take out top hospital and extras to get the full benefit.

Member retention rate

82.70% (including all NIB funds)

Complaints score

Sub-standard. NIB funds - which includes Qantas - get 5% more complaints than its market share.

Why we like it

Qantas is a reseller of NIB health insurance, one of Australia's biggest health funds. But on top of NIB's solid policy offerings, it also lets you earn Qantas frequent flyer points, some of the best rewards points on offer. We found that compared to the sign-up and ongoing benefits offered by other funds, the Qantas points on offer were consistently the most valuable kickback.

Peta Taylor's headshot
Written by

Associate publisher

Peta Taylor is an associate publisher at Finder, specialising in car insurance. She's been analysing product disclosure statements and publishing articles for car insurance for over a year. Peta has a Bachelor of Communications and Media Studies with a Major in Marketing from the University of Wollongong and a Cert IV in Media Journalism. Peta is part of Finder's car insurance awards team and works alongside editorial and insights experts to bring drivers the best in car insurance products every year. See full bio

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