Optical health cover

Most extras policies include optical, to help you get glasses with insurance.

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Prescription glasses and contact lenses aren’t covered by Medicare. That's why, if you want to be covered for optical, it’s important to take out extras cover from a private health fund that includes optical. Private health insurance can provide cover for a range services including glasses, contact lenses or prescription sunnies.

What's the best optical health cover?

Here are some extras policies that cover optical from Finder partners - all of them also cover a range of other extras services like physio and dental.

Name Product Prescription glasses Contact lenses Optical Limit Price Per Month Hide CompareBox Apply
Frank Easy Extras
HBF Flex 50
Qantas Basic Extras
ahm black 60
Medibank Essential Extras

Compare up to 4 providers

*Quotes are based on single individual with less than $90,000 income and living in Sydney. Always check for combined limits. The policies listed in this table are extras only. However, most can be combined with hospital cover

Are glasses and contact lenses covered by health insurance?

Australian private health funds provide cover for a wide range of optical services and treatments through their extras cover policies. some of these include:

  • Prescription glasses and contact lenses
  • Rebates on prescription sunglasses and prescription swimming goggles
  • Eye check-ups

If you want cover for major optical procedures, for example cataract or eye lens surgery, you’ll need to take out hospital cover from a private health fund. These services are typically only included in high-level hospital cover policies, which attract higher premiums than basic policies.

However, it’s important to remember that levels of cover vary between funds and that some services only receive restricted cover, for example laser eye surgery. It’s essential to read the fine print associated with your policy to work out exactly what is and isn’t covered.

What should I look for in a health insurance policy?

There are some terms and conditions you should look out for when finding an insurance policy.


Exclusions are the things that aren't covered by your private health fund. Some frequently encountered exclusions are:

  • Treatment outside of Australia. If you want to head abroad for cheaper laser eye surgery, for example, most health funds won't cover that. You might consider medical tourism insurance instead.
  • No cover unless there is a specific, named health issue involved.
  • No cover for additional costs like administration fees.


These are the maximum amounts your policy will pay in benefits, or how much you can claim before your benefits cap out. Your policy may have yearly or lifetime limits for a number of treatment sessions or an amount of money paid out.

  • If the cost of a treatment is more than the limit of your policy, you will only be covered up to that limit and must pay the rest yourself.
  • In the case of family or couple policies there may be limits for individuals as well as limits for the group as a whole.


This is an additional amount you must pay when making a claim and you may encounter one or more of these. If more than one excess applies, you must pay the total sum of all applicable excesses.

  • Age related excess. The older you are the higher your risk levels. Certain age groups have this additional excess.
  • Hospital excess. If someone on your policy goes to hospital this excess will apply to cover the additional costs involved.
  • Special excess. Pre-existing conditions, ongoing health issues or a history of making many claims will drive up your special excess.

Compare extras cover for optical

You can compare even more Australian health funds using the tool below. Once you're on the results page, you can refine your search to "Optical" to compare the optical offerings from each brand.

Frequently asked questions

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