Combined hospital and extras cover

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

Who’s this health cover for?

Key takeaways

  • Combined policies include both extras and hospital cover.
  • Combined policies can be found from as little as around $93 a month*.
  • When comparing combined policies, you will need to check that both the extras and hospital component it right for you.
*Prices are based on a single individual with less than $101,000 income, $750 excess and living in Sydney.

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.

Name Product Treatments Price
HBF Health Limited logo
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
Medibank Private Limited logo
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
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 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
ahm health insurance logo
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
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
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
ahm health insurance logo
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
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
$98.58
per month
Go to SiteView details
Compare product selection
ahm health insurance logo
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
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
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
ahm health insurance logo
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
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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 2025

Name Product

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.


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.


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.


Want 6 weeks free extras cover?

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


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 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.

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