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Combined hospital and extras cover

Health insurance comes in hospital and extras cover, and you can buy them as a combined policy.

Who is this cover for?

What you need to know

  • Combined policies include both extras and hospital cover.
  • Combined policies can be found from as little as around $90 a month.
  • When comparing combined policies, you will need to check that both the extras and hospital component it right for you.

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 $93,000 income and living in Sydney.

1 - 10 of 518
Name Product Treatments Price Apply
Bupa HI Pty Ltd logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Join Bupa and get up to 10 weeks free on eligible products + 2&6 month waiting periods waived on extras. Domestic policies only. Terms and conditions apply.
$93.00
per month
Go to Site
All treatments
Frank Health Insurance logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Get up to 12 weeks free + skip 2 & 6 months waits on extras when joining combined cover by 15 July. T&Cs apply.
$94.39
per month
Go to Site
All treatments
ahm health insurance logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Get up to 8 weeks free. For new joins by Sep 2 who maintain eligible combined hospital & extras. T&Cs apply. Learn more.
$96.88
per month
Go to Site
All treatments
Bupa HI Pty Ltd logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Join Bupa and get up to 10 weeks free on eligible products + 2&6 month waiting periods waived on extras. Domestic policies only. Terms and conditions apply.
$97.86
per month
Go to Site
All treatments
Bupa HI Pty Ltd logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +5 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Join Bupa and get up to 10 weeks free on eligible products + 2&6 month waiting periods waived on extras. Domestic policies only. Terms and conditions apply.
$99.59
per month
Go to Site
All treatments
ahm health insurance logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Get up to 8 weeks free. For new joins by Sep 2 who maintain eligible combined hospital & extras. T&Cs apply. Learn more.
$99.93
per month
Go to Site
All treatments
HCF MY FUTURE 750 BASIC PLUS
Basic Plus$750 excess
HCF logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +7 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +6 other treatments covered
Get loyalty rewards and discounts across Australian stores.
$101.14
per month
Go to Site
All treatments
ahm health insurance logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +2 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Get up to 8 weeks free. For new joins by Sep 2 who maintain eligible combined hospital & extras. T&Cs apply. Learn more.
$101.21
per month
Go to Site
All treatments
starter flexi basic
Basic$750 excess
ahm health insurance logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +3 other treatments covered
Get up to 8 weeks free. For new joins by Sep 2 who maintain eligible combined hospital & extras. T&Cs apply. Learn more.
$101.36
per month
Go to Site
All treatments
Bupa HI Pty Ltd logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +3 other treatments covered
Join Bupa and get up to 10 weeks free on eligible products + 2&6 month waiting periods waived on extras. Domestic policies only. Terms and conditions apply.
$102.19
per month
Go to Site
All treatments
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What are hospital, extras and combined cover?

Heart

Hospital only

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

Extras only

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

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 2024

Name Product

Want 6 weeks free and $500 in gift cards (couples/families) or $250 in gift cards (singles/single parents) when you join & maintain eligible Bronze Hospital+Extras or above?

Ends 31 July 2024

New members only. T&Cs apply. Excludes Basic covers. Ends 31 July 2024.


Earn up to 120,000 Qantas Points

Ends 13 September 2024

Plus, get 60-75% back on Extras (up to your annual limit) for things like dental, physio and glasses costs. Points will be awarded based on your level of cover over 6 months. Eligibility criteria and T&Cs apply.


HCF members can get loyalty rewards and discounts across Australian stores

Health fund members can get discounted e-Gift cards from Apple & more.


Join Bupa and get up to 10 weeks free on eligible products

Plus, 2&6 month waiting periods waived on extras. Domestic policies only. Terms and conditions apply.


Get up to 8 weeks free

Ends 02 September 2024

For new joins by Sep 2 who maintain eligible combined hospital & extras. T&Cs apply. Learn more.


Get 6 weeks free extras cover

For new joins who maintain eligible extras. T&Cs apply. Learn more.


Want a $50 gift card when you join & maintain eligible Extras?

Plus, get 2&6 month waits waived on extras. New members only. T&Cs apply. Excludes Healthy Living Extras.


Get up to 12 weeks free

Ends 15 July 2024

Plus, skip 2 & 6 months waits on extras when joining combined cover by 15 July. T&Cs apply.

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Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

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