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 $90,000 income and living in Sydney.
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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:
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.
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.
Do you need eye care? Read this guide to find out whether optical health insurance is right for you and what exactly you can and cannot claim with Medicare and your private health fund.
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