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?

It's impossible to say which health fund has the best optical health cover, because everyone has different needs. Below are some of the biggest health funds with optical in their extras coverage, along with the yearly limit. To compare optical health insurance from even more health funds, use the free tool at the bottom of this page.

Name Product Prescription glasses Contact lenses Optical Limit Price Per Month Hide CompareBox Apply
Frank Easy Extras
HCF Starter Extras with Optical
HBF Flex 50
Peoplecare Simple Extras
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.

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.

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