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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.

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 525
Name Product Treatments Price Apply
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Get 6 weeks free plus no 2 & 6 month waits on extras when you join on the combined cover by 15 April. T&Cs apply.
$94.39
per month
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. For new joins who maintain eligible combined hospital & extras. T&Cs apply. Learn more.
$96.88
per month
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. For new joins who maintain eligible combined hospital & extras. T&Cs apply. Learn more.
$99.93
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +5 other treatments covered
Improve your health and wellbeing and earn up to $760 in cashback and shopping rewards each membership year with AIA Health with AIA Vitality. T&Cs apply.
$100.61
per month
HCF MY FUTURE 750 BASIC PLUS
Basic Plus$750 excess
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 up to 8 weeks free when you join eligible cover by 21 April and stay with HCF. T&Cs apply.
$101.14
per month
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 12 weeks free. For new joins who maintain eligible combined hospital & extras. T&Cs apply. Learn more.
$101.21
per month
starter flexi basic
Basic$750 excess
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +3 other treatments covered
Get up to 12 weeks free. For new joins who maintain eligible combined hospital & extras. T&Cs apply. Learn more.
$101.36
per month
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +16 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Get up to 12 weeks free. For new joins who maintain eligible combined hospital & extras. T&Cs apply. Learn more.
$102.87
per month
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
8 weeks free on eligible Hospital & Extras cover. New members join by 23 April & keep your cover for 1 month. T&Cs apply.
$103.85
per month
starter flexi basic
Basic$500 excess
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +3 other treatments covered
Get up to 12 weeks free. For new joins who maintain eligible combined hospital & extras. T&Cs apply. Learn more.
$105.66
per month
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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 April 2024

1 - 9 of 9
Name Product

8 weeks free on eligible Hospital & Extras cover

Ends 23 April 2024

New members join by 23 April & keep your cover for 1 month. T&Cs apply.


Get up to 8 weeks free

Ends 21 April 2024

When you join eligible cover by 21 April and stay with HCF. T&Cs apply.


Join and earn up to 120,000 Qantas Points

Ends 28 May 2024

Plus, get 60-75% back on Extras (up to your annual limit) for tihngs like dental, physio and glasses costs. Eligibility criteria and T&Cs apply.


Earn up to $760 in cashback and shopping rewards

Ends 28 March 2024

Improve your health and wellbeing and earn up to $760 in cashback and shopping rewards each membership year with AIA Health with AIA Vitality. T&Cs apply.


Join HIF Hospital & Extras and get a cash card worth up to $200

Ends 31 May 2024

Plus, 2-month waits waived on extras by 31 May 2024. T&Cs apply.


Get up to 12 weeks free

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


Get up to 8 weeks free + Waive 2 & 6 months waiting periods

Ends 30 April 2024

Join combined hospital & extras cover by 30 April 2024 for new members. T&Cs apply.


Get 6 weeks free plus no 2 & 6 month waits on extras

Ends 15 April 2024

When you join on the combined cover by 15 April. T&Cs apply.


Get 6 weeks free

Ends 15 April 2024

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

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