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Extras cover
Frequently asked questions
for extras cover
What is extras insurance?
Also known as ancillary cover or extras cover, extras insurance helps cover the cost of everyday healthcare services including things like dental check-ups, physio appointments and glasses or contacts. These services are generally not covered by Medicare.
What are the benefits of extras cover?
Also known as ancillary cover or extras cover, extras insurance helps cover some or all of the costs for everyday healthcare services including things like dental check-ups, physio appointments and glasses or contacts. Extras cover can be a good thing to have because Medicare generally doesn't cover extras services, so without extras cover you'd have to cover the full cost of treatment every time you receive a service.
If you wear glasses or contacts, or if you regularly pay for services such as the physio, chiro, dentist, remedial massage or similar, extras cover could help cover your costs.
Can I purchase HBF Extras cover only?
Yes. With HBF, you can purchase extras cover on its own. Extras insurance helps cover some or all of the costs for everyday healthcare services including things like dental check-ups, physio appointments and glasses or contacts. These services are generally not covered by Medicare.
What are the waiting periods on extras cover?
Waiting periods for extras vary between health funds, but with HBF most services have a two-month waiting period, while more high-cost services (like major dental) have a waiting period of 12 months or more.
What does extras insurance cover?
The specific extras services you're covered for depends on your health fund, level of cover and the specific policy you choose. Here are some examples of common services extras insurance can cover:
- Dental treatment — this includes preventative dental, general restorative dental, major dental and implants, and orthodontics
- Physiotherapy
- Optical - glasses and contact lenses
- Chiropractic treatment
- Podiatry
What is the difference between hospital and extras cover?
Also known as ancillary cover or extras cover, extras insurance helps cover some or all of the costs for everyday healthcare services including things like dental check-ups, physio appointments and glasses or contacts.
In comparison, hospital insurance helps cover some of the costs when you're admitted to hospital. It can help cover some of the costs for things like doctors' fees, accommodation and theatre fees.