Hospital and extras cover

Health insurance is split into 2 parts: Hospital and Extras. Hospitals and extras cover, also called combined cover, offers the best of both worlds from around $94 a month.

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Compare hospital and extras cover

The table below lists some combined health insurance policies from Finder partners, covering accidents, emergency ambulance, dental and more.

Name Product Hospital treatments Extras included Hide More Info Button Hide CompareBox Price per month Apply
Frank Freedom Saver Flexi-Bundle (Basic+)
    • 9 hospital services
    • Plus theatre surgery costs and shared or private room
    • Emergency ambulance
    • $700 combined extras limit
    • Plus 100% back on $150 Optical
HBF Bronze Hospital Plus + Flex 50
    • 28 hospital services
    • Ear, nose and throat
    • Joint reconstructions
    • Dental surgery
    • $800 Combined extras limit
    • Physiotherapy
    • Chiropractic
ahm lite flexi bronze plus
    • 24 hospital services
    • Ear, nose and throat
    • Joint reconstructions
    • Dental surgery
    • $800 Combined Routine dental
    • Physiotherapy
    • Chiropractic
Want 1 month free? Plus, any 2 & 6 month waits on extras waived. Promo code: 1MFREEWW. T&Cs apply.
Medibank Bronze Everyday + Top Extras
    • 19 hospital services
    • Bone, joint and muscle
    • Eye (not cataracts)
    • Hernia and appendix
    • Ambulance services
    • $800 General dental
    • $200 Optical
Get up to 40,000 points + Waive 2 & 6 months waiting periods. Promo Code: LIVEBETTER. T&Cs apply.
Qantas Silver Hospital + Lifestyle Extras
    • 32 hospital services
    • Emergency ambulance cover
    • Dental surgery
    • Palliative care
    • $600 General dental
    • $350 Physiotherapy
    • $300 Chiro & Osteo
Get up to 120,000 points + Skip the waits for 2 & 6 month waiting periods.

Compare up to 4 providers

Prices are based on a single person in Sydney earning less than $90,000 with $750 excess.

Compare even more hospital and extras cover

Use our free tool to see quotes for combined cover from 30+ health funds. Simply select 'Hospital + Extras' on your type of cover.

What are hospital, extras and combined cover?


Hospital only

Hospital cover pays for hospital treatment during illness or injury, including accommodation, surgery and other costs.

Extras only

Extras helps pays for non-hospital treatments that are not covered by Medicare, including optical, dental, physio and more.


Hospital and extras covers both types of treatment, giving you comprehensive coverage for a huge range of medical costs.

Do I need both hospital and extras cover?

Not everyone needs a combined policy, and you may not even need health insurance at all. However, there are some life stages where people generally start to think about whether they need life insurance.

If you're young and healthy, you may only need basic hospital cover, but may still want comprehensive extras, like dental and physio. If you're older, then hospital cover may be a higher priority for you. Other important differences include the following:

  • Earn over $90k? Not having sufficient hospital cover when your income is above a specified level attracts a Medicare Levy Surcharge, while extras does not.
  • Turning 31? You are charged a Lifetime Health Cover (LHC) loading of 2% for every year you don’t take out hospital cover after you turn 31 years of age. Extras policies don't have this penalty applied.

What can you claim on hospital vs extras cover?

Hospital cover and accommodation in a public or private hospital. If you are a Medicare cardholder, you are entitled to hospital treatment under Medicare but many people take out private hospital cover because it offers several advantages over the public healthcare system. Private hospital cover offers the following benefits:

  • Treatment as a private patient in a public or private hospital
  • Treatment by your own doctor
  • Little or no waiting lists

Most health funds offer different levels of hospital cover:

  • Public hospital. This covers you for most treatments, but only as a private patient in a public hospital. You get to choose your own doctor, but you have to wait in the public queue for your treatment and you'll most likely have higher out-of-pocket expenses than you would if you were a public patient on Medicare.
  • Basic cover (also known as Basic or Bronze). This plan covers treatment in a private or public hospital, but often excludes cover for cardiac-related services, non-cosmetic plastic surgery, rehab, psychiatric services, palliative care and others.
  • Medium cover (also known as Silver). This plan often covers much of what basic cover doesn’t, but frequently excludes pregnancy and birth-related services, IVF, cataract procedures, joint replacements and dialysis.
  • Top cover (also known as Gold). This plan generally covers every service where Medicare pays a benefit.

Gold health insurance will usually include the following:

  • Treatment as a private patient in a private hospital
  • Emergency ambulance treatment and transport
  • Surgical procedures such as joint reconstructions and removal of appendix, tonsils, adenoids and wisdom teeth
  • Colonoscopies
  • Palliative care
  • Psychiatric treatment
  • Approved rehabilitation programs
  • Major heart surgery
  • Childbirth and inpatient pregnancy services
  • Fertility treatments such as IVF
  • Plastic and reconstructive surgery to repair an injury or congenital defects
  • Major eye surgery
  • Renal dialysis treatment.

Whether services and procedures such as IVF, heart surgery and psychiatric services are covered will depend on the fund, but typically most will not cover cosmetic surgery, alternative medicines and any surgery or hospital treatments for which Medicare does not offer a benefit.

While hospital cover is insurance you only claim on if you become ill or injured and need to go to hospital, extras cover can reimburse you for general services that aren’t covered by Medicare. These can include:

  • General dental care (eg, cleaning, fillings and extractions)
  • Major dental care (eg, orthodontics, wisdom teeth, crowns, bridges, root canal work and dentures)
  • Optical care (eg, prescription glasses and contact lenses)
  • Chiropractic care
  • Physiotherapy
  • Osteopathy
  • Podiatry
  • Acupuncture
  • Hearing aids

Starting in April 2019, insurers will no longer offer cover for certain natural therapies that the government has found to be ineffective. These include naturopathy, herbalism, Buteyko, Yoga and Tai Chi. Acupuncture, physio and chiropractic will not be affected.

Like hospital cover, extras are usually available in three levels of protection:

  • Basic. This plan covers the main services, including dental (general only), optical, physio, chiro, osteo and often emergency ambulance transport.
  • Medium. This plan generally covers everything the basic policy covers, but with more generous benefit levels, plus some major dental, podiatry, occupational therapy and, in some cases, travel vaccines and immunisations.
  • Comprehensive. This plan usually covers everything the medium policy does and typically applies larger benefit levels. It also includes orthodontics, psychology, speech pathology and some prescription medicines not covered by the PBS.

Because people have different needs when it comes to ancillary services, many funds will allow you to mix and match your extras to suit your requirements (eg, optical and dental only if that is all you need), although benefit levels are usually restricted to an amount per person per year and waiting periods apply to most services.

Typical combined packages

When funds create their own packaged cover, it's common for them to pair a hospital policy with an extras policy on a similar rung. For example, if you're getting basic hospital, a health fund will typically package that with its lowest extras option.

Funds will also package policies that they think are suited to someone's life stage. In many cases, these will be placed in categories such as young and singles, family cover, couples cover and seniors cover. While these policies won't have been designed specifically for people that fit into these groups, the fund is making a suggestion about the type of cover you need if you identify with one of these demographics.

While this is not always the case, your best bet to find the option that's right for you is to choose your own levels of hospital and extras benefits rather than going with a preselected option.

How to mix and match

Mixing and matching your hospital and extras options is the best way to get the most out of your benefits. Say for example you're young and healthy and don't need a high level of hospital cover but still want peace of mind knowing that you have hospital cover. Add to this that you like to get a remedial massage, need glasses and are fastidious about your teeth and see the dentist a couple of times a year. In this hypothetical situation, you can choose a basic tier hospital policy with comprehensive extras.

To go a step further, when you're comparison shopping, make sure you're looking beyond just one provider for both options. You might find a better deal by taking out your hospital with one fund and your extras with another.

Health insurance sign up deals for October 2021


Want 1 month free? Plus, any 2&6 month waits on extras waived

Expires 4 Nov 2021
Offer applies for new joins on hospital & extras by November 4. Find out how

Want up to 40,000 Live Better points plus, 2&6 month waits waived on extras? That’s up to $400 worth of gift cards!

Expires 31 Oct 2021
Available for new members who join eligible hospital and extras and complete a Live Better goal or challenge. Up to 20,000 points for singles / up to 40,000 points for couples/families. T&Cs apply.

Join and earn up to 120,000 Qantas Points

Expires 30 Nov 2021
Plus, waive the 2 & 6 month waiting periods on Extras with combined Hospital and Extras cover. Issued by nib health funds. Eligibility criteria and T&Cs apply.

Get up to a $200 cash card PLUS waive all 2-month waits on extras

Expires 31 Oct 2021
Offer applies for new joins on hospital and extras by October 31. T&Cs apply.

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18 Responses

    Default Gravatar
    JohnOctober 19, 2018

    Member 707447
    Can I claim for hearing aids, please ?
    If so, how much can be claimed. The answer to this has a bearing on what level of hearing aid I can afford.

      Avatarfinder Customer Care
      JohnOctober 19, 2018Staff

      Hi John,

      Thank you for reaching out to finder.

      We are a comparison website that assists users on our website. If you wish to inquire if your current insurance company covers hearing aids, you may check on your insurance contract with them for their contact details and call them directly. Hope this helps!


    Default Gravatar
    DaphneMarch 20, 2018

    I am already insured with A.H.M.
    I am interested in going with Qantas Assure option but am scared about moving from what seems to be ok. I do find claiming difficult though. Thankyou

      Default Gravatar
      AshMarch 28, 2018

      Hi Daphne,

      Thank you for reaching out to us.

      Since you are looking at changing health insurance providers, our guide to switching health insurance might come in handy. According to our review, Qantas Assure offers Hospital and extra cover so you have the policy that will suit you even though you do not get sick most of the time. You may refer to the link above for more information regarding each of their coverage, waiting periods, and exclusions.

      With regard to their claiming process, you may simply lodge the claim in their Member Portal at the Qantas Assure webpage. Though it will be best to reach out to them first through their contact number above to make sure that the procedure or treatment that you will be receiving is covered by your policy.

      I hope this helps.

      Please do not hesitate to reach out to us again if you have additional questions.


    Default Gravatar
    DarcyMarch 6, 2018

    We are a young family of 5 & have been with pupa for a good few years now. It just seems every year the prices go up but we’re not getting any extra out of them. Is there another mob that can do the same but for not so much coin?

      Avatarfinder Customer Care
      MayMarch 9, 2018Staff

      Hi Darcy,

      Thanks for getting in touch.

      There is affordable health insurance in the market, all you need is to compare the benefits and check the level of cover you can get. You may fill out the health insurance form and click the “Search Policies” button, you’d be able to compare less expensive health insurance in the market. If you are getting insurance for your whole family, you can select “family” to answer the question: “Who needs to cover?”.

      Hope this helps.


    Default Gravatar
    BabiMarch 5, 2018

    I have held private health policies for more than 50yrs and am an aged pensioner under 70 and am looking for a combined hospital & extras cover that includes private hospital, heart surgery, hip & knee replacement, cataract surgery & optical, dental general & major, physiotherapy, podiatry – is there such a policy under $90 a fortnight?

      Avatarfinder Customer Care
      MayMarch 6, 2018Staff

      Hi Babi,

      Thanks for your question. Please note that you’ve reached finder, a comparison website and we don’t offer insurance ourselves.

      The cost of a combined hospital and extras policy would actually differ between brands. To determine the premium cost, insurers would also factor in the level of cover you’ll choose and even your personal circumstance and health conditions. You can enter your details into the panel above to be able to search policies from different brands. I also suggest that you get in touch with the insurance company directly to discuss your options.


    Default Gravatar
    DallasSeptember 28, 2017

    Im a 70 female. Im with NIB at the moment. What hospital and extra cover is right for me?

      Avatarfinder Customer Care
      MaySeptember 29, 2017Staff

      Hi Dallas,

      Thank you for your inquiry.

      If you like to get the combined hospital and extras cover from nib, you can fill out our health insurance form to compare different policies from nib and request a quote from a consultant.

      You can also compare your options for hospital and extras cover offered by other insurers if you will fill out the form above and click on the orange “Search Policies” button.

      Hope this helps.


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