Optical health insurance

Most extras policies include optical health insurance.

Prescription glasses and contact lenses aren’t covered by Medicare, which is why it’s important to take out extras cover from a private health fund.

Private health insurance provides cover for an extensive range of optical services and treatments. Get money back on glasses, contact lenses or those prescription sunnies you've been meaning to get.

Get a few extra discounts with your optical cover

Below are a few of the Finder partners that cover Optical in extras. We've displayed the yearly limit. They also include other benefits such as dental – using the range of extras covered is a great way to get value for money.

Fund	Policy	Included treatments	Limit	Price	Apply
HCF	Starter Extras	Spectacle frames Spectacle lenses Contact lenses	$100.00	$16.25	Go to Site
nib	Core extras	Prescription glasses Contact lenses	$250.00	$30.26	Go to Site
ahm	black 60	With this cover you get 100% back on optical up to annual limits to spend on included services, such as the cost of glasses, frames, lenses, repairs, and contact lenses.	$200.00	$34.50	Go to Site

*Price based on a single female living in NSW, always check for combined limits

Compare extras cover for optical

Simply refine your search by "Optical" on the results page.

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.

• Do all Australian health funds cover optical?

  Optical health insurance is a common feature of the vast majority of extras cover policies available from Australian health funds. However, as always, make sure you read any information from your health fund closely to find out whether optical services and treatments are covered and to what level.

Can I buy glasses from anywhere and still get a refund?

Australian private health funds will pay benefits for prescription glasses and/or contact lenses purchased from the vast majority of registered optical dispensers and eyewear stores across the country. If you’re ever in doubt about whether a particular purchase will be covered, check with your health fund for confirmation.

However, if you prefer to do your shopping online, be warned that not all online optical retailers will be covered by your fund. With this in mind, check to see whether your health fund provides a list of online optical stores where you can buy the products you need and still access a full or partial refund.

Can I get cover for sunglasses?

If you need prescription sunglasses, these will be covered by your health fund in the vast majority of cases. Check with your health fund to confirm this before parting with any money.

However, non-prescription sunglasses are typically not included in your extras cover, but you may still be able to take advantage of discounted sunnies thanks to your health fund’s partnership with an eyewear retailer.

Can I get cover for laser eye surgery?

If you’re thinking of undergoing laser eye surgery so you can wave a permanent goodbye to prescription glasses and contact lenses, you should be aware that:

• Procedures of this type are not covered by Medicare (unless it is required to treat certain eye diseases).
• It’s also not covered by many private health funds, although some funds will offer a limited level of cover as part of their top hospital or comprehensive extras policies.

Even if your health fund says it covers laser eye surgery, check the fine print for more information on exactly how much of the total cost of the procedure will be covered. Also, keep in mind that:

• Lifetime limits often apply to cover for laser eye surgery, as opposed to the annual limits quoted for many other extras services, so make sure you’re aware of the maximum level of cover available.
• You will typically have to serve a waiting period before you can access any benefits for laser eye surgery. Waiting periods vary from one fund to the next, but expect to have to wait one or possibly two years before you can claim a benefit.

* The products compared on this page are chosen from a range of offers available to us and are not representative of all the products available in the market. There is no perfect order or perfect ranking system for the products we list on our Site, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don't interpret the listing order as an endorsement or recommendation from us. We're happy to provide you with the tools you need to make better decisions, but we'd like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.
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