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Best health insurance extras

Our extras recommendations can help you find the best value policy, the best cover on a budget, and the best policy for seniors.

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Last updated: 16 September 2019

Our experts have reviewed health insurance extras policies from 34 health funds to find the best ones. We've found the best extras on a budget, the best balance of cover and price, and the best cover for seniors.

Jump straight to our recommended extras policies (members-only content) to find the best policy for you.

How health insurance extras works

Extras policies give you discounts on health services that aren't covered by Medicare. These include dental costs, glasses, and allied health care like physiotherapy, chiropractic and podiatry. You can also claim for appliances like hearing aids, orthoses and blood glucose monitors.

Extras isn't insurance in the traditional sense of the word, where you buy it "just in case". Think of it as more of a book of discount vouchers. By paying a monthly premium you can use it to spread your expenses more evenly over the course of the year. Used correctly it can even reduce your health costs.

Don't buy extras if you aren't prepared to put the effort in to claim

Most people bundle an extras policy with their private hospital cover. This isn't necessary: you can buy hospital cover on its own, and you don't need extras to avoid the tax penalties the government imposes on people without health insurance.

Who should buy extras

Extras insurance is for people who want help managing predictable healthcare costs. If you know how much you're likely to spend on things like dental checkups, physio sessions and glasses, you can use extras to reduce your out-of-pocket costs. If you claim back more than you spend on the policy, then you've got your money's worth.

Don't buy extras if you aren't prepared to put the effort in to claim. If you keep paying your premium and don't claim it back, it's the same as that gym membership you never use: a waste of money. 

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