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Calculate Cheapest Policy Search for a new policy based on your health cover needs and budget. We compare every insurer and every policy.

Compare Existing Policy Compare your existing policy with similar policies to meet your current health cover needs and budget. Compare every insurer and every policy.

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Calculate Rebate Discount & Loading Check if your health insurance premium decreases or increases by calculating your Government Rebate, Age-based Discount and Lifetime Health Cover Loading.

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Guides Overview

Australian Health System (25 articles) Health Insurance Prices (20 articles) Private Health Insurance (30 articles) Private Health Insurers (15 articles) Medicare (28 articles) Medicare Benefits Schedule (MBS) (6 articles) Pharmaceutical Benefits Scheme (PBS) (8 articles) Public Hospitals (6 articles) Private Hospitals (6 articles) Medicare Levy (7 articles) Private Health Insurance Rebate (7 articles) Age-based Discount (5 articles) Lifetime Health Cover Loading (11 articles)

Hospital Cover (9 articles) Extras Cover (5 articles) Ambulance Cover (5 articles) Excluded Treatments

Insurers Overview

AAMI Health Insurance

AIA Health Insurance

Allianz Care Australia

APIA Health Insurance

Astute Simplicity Health

Australian Unity

Bupa Health Insurance

Emergency Services Health

Health Partners

Hunter Health Insurance (by CDH Benefits Fund)

ING Health Insurance

Latrobe Health Services

Mildura Health Fund

Nurses and Midwives Health

Phoenix Health Fund

Priceline Health Insurance

Qantas Insurance

Queensland Country Health Fund

Real Health Insurance

Reserve Bank Health Society (RBHS)

Seniors Health Insurance

St Lukes Health

Suncorp Health Insurance

Teachers Health

Territory Health Fund

Transport Health

Westfund

Health insurers criticised for using ‘loophole’ to raise prices

Australian private health insurers have been criticised for using a loophole to raise the prices of Gold Cover policies. This week the Commonwealth Ombudsman found evidence some insurers have been raising prices through ‘product phoenixing’ – closing existing policies to new customers, and creating almost identical policies at a higher price. As a result, new...

Aussies hit with higher out-of-pocket payments

Australians with Private Health Insurance are paying higher out-of-pocket payments for hospital treatment than a year ago, new data shows. The latest statistics from Australian Prudential Regulation Authority (APRA), which regulates the health insurance industry, show out-of-pocket fees for private hospital treatment increased by 8% in the 12 months from October 2023 to September 2024....

Aussies warned about ‘double dipping’ by medical specialists

If you’ve used health insurance to pay for surgery in a private hospital or clinic, check your bill to make sure you haven’t been charged a Gap incorrectly. That’s the advice from Private Healthcare Australia, the peak body for the health insurance industry, after allegations that some specialists (including surgeons and anaesthetists) have been ‘double...

NSW residents may face higher bill for health cover next year

A ‘health tax’ passed by NSW government last week means NSW residents could face higher premiums for health insurance in 2025. The new legislation means the state government can increase its existing tax on private health insurance if insurers do not agree to pay a higher ‘bed rate’ of $892 for private patients in public...

Premiums predicted to rise by $114 a year

Hospital Cover premiums could be set to rise, due to a ‘health tax’ introduced in NSW this week. The NSW Government has introduced laws to force private health insurers to pay the correct rate for single rooms in public hospitals. The government says some private health insurers have not been paying the correct rate, with...

Claims for private hospital procedures rise, APRA report finds

More and more Australians are seeking private hospital treatment, new data has shown. The latest statistics from industry regulator Australian Prudential Regulation Authority (APRA) revealed a 5.1% increase in hospital treatment episodes claimed on health insurance in the 12 months from July 2023 to June 2024. Health insurers paid more than $18 million in claims...

Aussies parents paying large Gaps for obstetric care

Australian women who choose to have their baby delivered by an obstetrician at a private hospital are paying alarmingly high out-of-pocket fees, it’s been revealed. According to Private Healthcare Australia (PHA), the peak body for the health insurance industry, obstetricians are charging as much as $650 for first consultations, a significantly higher fee than that...

Health insurers respond to Ozempic’s popularity

One private health insurer has reduced its cover for Ozempic amid a surge of popularity for the weight-loss drug. Last month, HBF, the largest health insurer in Western Australia, announced it was reducing rebates for Ozempic, saying the rise in claims had become unsustainable. So far, no other insurers have changed their position on the...

Our Contributors Overview

Stephen Treacey

CEO and Founder

Sophie Bartho

Chief Operating Officer

Vladimir Kundrat

Chief Technical Officer

Trudie McConnochie

Writer and Researcher

Writer and Researcher

Peter Kawecki

UX/UI Designer

Loren Jaffe

Brand and Graphic Designer

Customer Engagement Australia

Led by Chris Payne

Do you have a reference number? Resume your calculation.

Explore Overview

Guides Overview

Australian Health System (25 articles) Health Insurance Prices (20 articles) Private Health Insurance (30 articles) Private Health Insurers (15 articles) Medicare (28 articles) Medicare Benefits Schedule (MBS) (6 articles) Pharmaceutical Benefits Scheme (PBS) (8 articles) Public Hospitals (6 articles) Private Hospitals (6 articles) Medicare Levy (7 articles) Private Health Insurance Rebate (7 articles) Age-based Discount (5 articles) Lifetime Health Cover Loading (11 articles)

Hospital Cover (9 articles) Extras Cover (5 articles) Ambulance Cover (5 articles) Excluded Treatments

Insurers Overview

AAMI Health Insurance

AIA Health Insurance

Allianz Care Australia

APIA Health Insurance

Astute Simplicity Health

Australian Unity

Bupa Health Insurance

Emergency Services Health

Health Partners

Hunter Health Insurance (by CDH Benefits Fund)

ING Health Insurance

Latrobe Health Services

Mildura Health Fund

Nurses and Midwives Health

Phoenix Health Fund

Priceline Health Insurance

Qantas Insurance

Queensland Country Health Fund

Real Health Insurance

Reserve Bank Health Society (RBHS)

Seniors Health Insurance

St Lukes Health

Suncorp Health Insurance

Teachers Health

Territory Health Fund

Transport Health

Westfund

Health insurers criticised for using ‘loophole’ to raise prices Aussies hit with higher out-of-pocket payments Aussies warned about ‘double dipping’ by medical specialists NSW residents may face higher bill for health cover next year Premiums predicted to rise by $114 a year Claims for private hospital procedures rise, APRA report finds Aussies parents paying large Gaps for obstetric care Health insurers respond to Ozempic’s popularity

Compare Overview

Calculate Cheapest Policy Search for a new policy based on your health cover needs and budget. We compare every insurer and every policy.

Compare Existing Policy Compare your existing policy with similar policies to meet your current health cover needs and budget. Compare every insurer and every policy.

compare existing policy

Calculate Rebate Discount & Loading Check if your health insurance premium decreases or increases by calculating your Government Rebate, Age-based Discount and Lifetime Health Cover Loading.

About Us Overview

Our Brand Promises

Our Contributors Overview

Stephen Treacey

Sophie Bartho

Vladimir Kundrat

Trudie McConnochie

Peter Kawecki

Loren Jaffe

Loren Jaffe Customer Engagement Australia

How We Make Money

How We Use Your Contact Information

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Resume your calculation.

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Cover

Extras Cover

Learn how Extras Cover works and about the different treatments it includes.

Reviewed and updated 12 December 2024

If you are considering taking out private health insurance, you may want Extras Cover.

Extras Cover helps you cover the cost of a wide range of treatments that Medicare does not cover.

In this overview, we explain everything you need to know about Extras Cover.

We also provide a detailed summary of each of the common Extras Treatments so you know exactly what you are covered for.

What is Extras Cover?

What are the common treatments covered by Extras Cover?

How does Extras Cover work?

Are there different levels of Extras Cover?

Why should I take out Extras Cover?

Understand Extras Cover treatments

Extras Treatment

Antenatal/Postnatal Classes

Extras Treatment

Extras Treatment

Blood Glucose Monitors

Extras Treatment

Chinese Medicine

Extras Treatment

Extras Treatment

Dietetics/Dietary Advice

Extras Treatment

Endodontic Services

Extras Treatment

Exercise Physiology

Extras Treatment

Eye Therapy (Orthoptics)

Extras Treatment

Extras Treatment

Health Management/Healthy Lifestyle

Extras Treatment

Extras Treatment

Extras Treatment

Extras Treatment

Extras Treatment

Non-PBS Pharmaceuticals

Extras Treatment

Occupational Therapy

Extras Treatment

Extras Treatment

Extras Treatment

Orthotics (Podiatric Orthoses)

Extras Treatment

Extras Treatment

Extras Treatment

Extras Treatment

Extras Treatment

Remedial Massage

Extras Treatment

Extras Treatment

Extras Treatment

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