The table below lists some combined health insurance policies from Finder partners, covering accidents, emergency ambulance, dental and more. All prices are based on a single individual with less than $101,000 income and living in Sydney.

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Name	Product	Treatments	Price
Promoted Basic Hospital Accident Only $750/$1500 Excess + Basic Extras Basic$750 excess		Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General dental Major dental Optical Hearing aids +2 other treatments covered Finder Reward Get $300 from Finder Ends on or before 31 Jul 2025. Combines with HBF’s up to 14 weeks free offer. No extra steps are needed to benefit from both. T&Cs and limits apply. Get up to 14 weeks free. For new members who join by 28 August and maintain hospital and extras cover. T&Cs apply.	$100.63 per month	Go to SiteView details Compare product selection Compare	loading Fetching your data...
Promoted Medibank Basic Everyday Starter Basic$750 excess		Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General dental Major dental Optical Hearing aids +4 other treatments covered Want up to 12 weeks free and $500 in gift cards (couples/families) or $250 in gift cards (singles/single parents) when you join and maintain eligible Bronze Hospital+Extras cover or above? Offer ends 15 July 2025. New members only. T&Cs apply. Excludes Basic covers.	$109.48 per month	Go to SiteView details Compare product selection Compare	loading Fetching your data...
Promoted Basic Accident Only Hospital $750 Excess + Freedom 50 Basic$750 excess		Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General dental Major dental Optical Hearing aids +2 other treatments covered Join directly on eligible cover & get up to 12 weeks free T&Cs apply. New members only. Ends 31 July. 12 weeks free applied over 2 years (3 years for annual payers).	$96.53 per month	Go to SiteView details Compare product selection Compare	loading Fetching your data...
ambulance & accident hospital (basic) + choosable 50 – teeth Basic$750 excess		Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General dental Major dental Optical Hearing aids +1 other treatments covered Want up to 8 weeks free? For new joins by Aug 28 who maintain eligible combined hospital & extras. T&Cs apply. Learn more.	$92.90 per month	Go to SiteView details Compare product selection Compare	loading Fetching your data...
ambulance & accident hospital (basic) + black 50 saver Basic$750 excess		Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General dental Major dental Optical Hearing aids +2 other treatments covered Want up to 8 weeks free? For new joins by Aug 28 who maintain eligible combined hospital & extras. T&Cs apply. Learn more.	$94.79 per month	Go to SiteView details Compare product selection Compare	loading Fetching your data...
ambulance & accident hospital (basic) + choosable 50 – teeth Basic$500 excess		Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General dental Major dental Optical Hearing aids +1 other treatments covered Want up to 8 weeks free? For new joins by Aug 28 who maintain eligible combined hospital & extras. T&Cs apply. Learn more.	$97.67 per month	Go to SiteView details Compare product selection Compare	loading Fetching your data...
Frank Freedom Starter Flexi-Bundle (Basic) Basic$750 excess		Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General dental Major dental Optical Hearing aids +2 other treatments covered	$98.58 per month	Go to SiteView details Compare product selection Compare	loading Fetching your data...
core hospital (basic+) + choosable 50 – teeth Basic Plus$750 excess		Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix +3 other treatments covered Extras General dental Major dental Optical Hearing aids +1 other treatments covered Want up to 8 weeks free? For new joins by Aug 28 who maintain eligible combined hospital & extras. T&Cs apply. Learn more.	$98.61 per month	Go to SiteView details Compare product selection Compare	loading Fetching your data...
ambulance & accident hospital (basic) + black 50 saver Basic$500 excess		Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Extras General dental Major dental Optical Hearing aids +2 other treatments covered Want up to 8 weeks free? For new joins by Aug 28 who maintain eligible combined hospital & extras. T&Cs apply. Learn more.	$99.56 per month	Go to SiteView details Compare product selection Compare	loading Fetching your data...
core hospital (basic+) + black 50 saver Basic Plus$750 excess		Hospital Rehabilitation Joint reconstructions Dental surgery Hernia and appendix +3 other treatments covered Extras General dental Major dental Optical Hearing aids +2 other treatments covered Want up to 8 weeks free? For new joins by Aug 28 who maintain eligible combined hospital & extras. T&Cs apply. Learn more.	$100.51 per month	Go to SiteView details Compare product selection Compare	loading Fetching your data...

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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.

Combined

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 combined hospital and extras cover?

A combined hospital and extras policy covers you for in-hospital services that are also covered by Medicare. You can be claim for up to 38 services depending on the level of cover you choose (e.g. basic, bronze, silver or gold).

Extras, on the other hand, lets you claim in-hospital services that typically aren't covered by Medicare. This can include things such as dental, physiotherapy, opticals and remedial massage.

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 July 2025

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Name	Product
Promoted Get up to 14 weeks free Ends 28 July 2025 For new members who join by 28 August and maintain hospital and extras cover. T&Cs apply. Get deal		loading Fetching your data...
Promoted Want up to 12 weeks free and $500 in gift cards (couples/families) or $250 in gift cards (singles/single parents) when you join and maintain eligible Bronze Hospital+Extras cover or above? Ends 15 July 2025 New members only. T&Cs apply. Excludes Basic covers. Get deal		loading Fetching your data...
Promoted Join directly on eligible cover & get up to 12 weeks free Ends 31 July 2025 T&Cs apply. New members only. Ends 31 July. 12 weeks free applied over 2 years (3 years for annual payers). Get deal		loading Fetching your data...
Want up to 8 weeks free? Ends 28 August 2025 For new joins by Aug 28 who maintain eligible combined hospital & extras. T&Cs apply. Learn more. Get deal		loading Fetching your data...
Want 6 weeks free + a $50 gift card when you join & maintain eligible Extras? Plus, get 2&6 month waits waived. New members only. T&Cs apply. Excludes Healthy Living Extras. Get deal		loading Fetching your data...
Want up to 6 weeks free and up to $400 in gift cards when you join and maintain eligible Hospital cover? New members only. T&Cs apply. Excludes Basic covers. Get deal		loading Fetching your data...
Want 6 weeks free extras cover? For new joins who maintain eligible extras. T&Cs apply. Learn more. Get deal		loading Fetching your data...
Get 8 weeks free Ends 31 July 2025 Get 8 weeks free & instant access to Extras when you join Hospital & Extras By July 31. T&Cs Apply. Learn more. Get deal		loading Fetching your data...
Get up to 10 weeks free Ends 15 July 2025 Plus no 2 & 6 month waits on extras when you join on combined cover by 15 July. For new members only. T&Cs apply. Get deal		loading Fetching your data...

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You 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

• Are combined policies cheaper than separate extras and hospital policies?

  No, combined policies aren't always cheaper than taking out separate extras and hospital policies but they are more convenient and sometimes you can save with one-off joining deals. It's often cheaper to take out seperate extras and hospital policies because you have more freedom to select the services you are most likely to need.

• Do I need extras and hospital cover from the same fund?

  No. You're under no obligation to take out extras and hospital cover with the same health insurer. Splitting extras and hospital policies is often better value for money because you're getting cover for services you're likely to use and it can often be cheaper than a combined policy.

• How much are combined policies?

  The average cost of a combined hospital and extras policy is $282.61 *. How much you pay may differ depending on the fund you choose and the level of cover you select.

  *Average prices are updated monthly, in line with Finder's database of health insurance policies. Prices are based on a single individual with less than $101,000 income and living in Sydney with a $750 excess.

• What does a typical combined hospital and extras policy cover?

  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.

Written by

Gary Ross Hunter

Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise

Gary Ross has written 590 Finder guides across topics including:

• Health, home, life, car, pet and travel insurance
• Managing the cost of living

Co-written by

Richard Laycock

Editor

Richard Laycock is Finder’s insights editor after spending the last five years writing and editing articles about insurance. His musings can be found across the web including on MoneyMag, Yahoo Finance and Travel Weekly. Richard studied Media at Macquarie University and The Missouri School of Journalism and has a Tier 1 Certification in General Advice for Life Insurance. See full bio