Extras Cover in Australia

Extras cover helps pay for costs like dental, physio and glasses from as little as $4 per week* - less than a cup of coffee ☕

Top pick:
Dental checkups
Lifestyle Extras
  • No waiting period on general dental
  • No waiting period on optical, physio & more
from $56.20 /month
Top pick:
No waiting periods
HCF STARTER EXTRAS
  • 1 free dental check-up per year with HCF partners
  • Basic cover on a range of treatments
from $12.78 /month
Top pick:
Core extras
Freedom 50
  • Cover for general dental and physio
  • Finder winner: Best core extras 2022
from $14.44 /month
Top pick:
Comprehensive extras
My Choice Extras Support 60
  • Cover for major dental, hearing aids and more
  • Finder winner: Best comprehensive extras 2022
from $49.38 /month
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What you need to know

  • Extras cover helps pay for non-hospital treatments like dental, optical, physiotherapy and more.
  • Most extras treatments are not covered by Medicare.
  • Extras cover starts at around $4 per week* – less than the cost of a cup of coffee.

*Prices are based on a single person earning less than $90,000 living in Sydney, for extras policies that cover at least ambulance and general dental.

Here are some extras policies from Finder partners. They all cover emergency ambulance at least. All prices are based on a single earning less than $90,000 living in Sydney.

1 - 21 of 89
Name Product Treatments Price Apply
Extras Saver
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
$12.06
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +1 other treatments covered
Get 6 weeks free extras cover. For new joins by Jun 30. Offer applied after 60 days on extras-only cover. Find out how.
$12.48
per month
HCF STARTER EXTRAS
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +1 other treatments covered
$12.78
per month
Value Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
$14.02
per month
black 50 saver
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
Get 6 weeks free extras cover. For new joins by Jun 30. Offer applied after 60 days on extras-only cover. Find out how.
$14.17
per month
Freedom 50
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
$14.44
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +1 other treatments covered
$16.96
per month
Basic Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
$18.77
per month
Basic Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
$22.59
per month
Starter Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
$23.33
per month
Basic Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
$25.63
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +2 other treatments covered
Get 6 weeks free + a $50 gift card when you join & maintain eligible Extras. Plus, get 2&6 month waits waived on extras. Ends 30 June. New members only. T&Cs apply.
$27.29
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +3 other treatments covered
Get 6 weeks free + a $50 gift card when you join & maintain eligible Extras. Plus, get 2&6 month waits waived on extras. Ends 30 June. New members only. T&Cs apply.
$27.44
per month
Simple Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +1 other treatments covered
$27.69
per month
Freedom 60
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
$32.27
per month
HCF MID EXTRAS
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +2 other treatments covered
$32.68
per month
Value Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +3 other treatments covered
$33.29
per month
Flex 50
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +3 other treatments covered
$34.27
per month
Core Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +1 other treatments covered
$34.84
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +2 other treatments covered
Get 6 weeks free extras cover. For new joins by Jun 30. Offer applied after 60 days on extras-only cover. Find out how.
$35.74
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +2 other treatments covered
Get 6 weeks free extras cover. For new joins by Jun 30. Offer applied after 60 days on extras-only cover. Find out how.
$35.74
per month
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Couple looking at bills

Save on your insurance: June 2023

10 health funds have upped their prices since 1 April. Some 38% of health insurance customers are facing higher bills (as of 1 June). That's more than 5.5 million Australians.

The price increases make now a great time to look for better-value health insurance. The switching process between funds is simple. You typically won't have to re-serve any waiting periods.

See the latest health insurance deals for June 2023.

Why compare health insurance with Finder?

  • We don't ask for your phone or email to see prices.

  • With 1 click, you can open your results to nearly every fund in Australia.

  • You pay the same price as going direct – we charge no fees.

Finder top picks: Waiting periods and dental checkups

ahm's lifestyle, family and super extras policies are the only extras insurance products on the market that offer zero waiting periods for general dental and optical without a special offer. Each policy also offers zero waiting periods on a range of other basic extras treatments like physiotherapy.

Top pick:
Core extras
Lifestyle Extras
from $56.20 /month
Cover for 11 extras treatments
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Hearing aids
+7 other treatments covered
Top pick:
Medium extras
Family Extras
from $60.77 /month
Cover for 13 extras treatments
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Hearing aids
+8 other treatments covered
Top pick:
Top extras
Super Extras
from $90.85 /month
Cover for 13 extras treatments
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Hearing aids
+8 other treatments covered

HCF Starter Extras is the Finder top pick for dental checkups as it's the cheapest policy available that offers at least 1 free general dental checkup per year. GMHBA Mid Extras (Set Benefits). This policy is our top pick for major dental because it is the cheapest eligible† policy in market that covers major dental treatments.

Top pick:
Dental checkups
HCF STARTER EXTRAS
from $12.78 /month
Cover for 5 extras treatments
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Hearing aids
+3 other treatments covered
Top pick:
Major dental
GMHBA Mid Extras Set Benefits
from $45.16 /month
Cover for 14 extras treatments
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Hearing aids
+9 other treatments covered

Best extras cover: Finder award winners

Top Extras

Top extras

The highest level policy available and also the most expensive, it is designed to suit the needs of mature singles, couples, families and others with extensive health care needs. It covers the broadest range of non-hospital treatments and pays the highest benefits on claims. Here are the winners from the 2022 Finder Awards for the Comprehensive Extras Health Insurance category.

Top pick:
Winner
My Choice Extras Support 60
from $49.38 /month
Cover for 13 extras treatments
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Hearing aids
+8 other treatments covered
Top pick:
Runner-up
High Extras Over 50s
from $52.31 /month
Cover for 13 extras treatments
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Hearing aids
+8 other treatments covered
Top pick:
Runner-up
HCF VITAL EXTRAS
from $59.48 /month
Cover for 14 extras treatments