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Extras cover


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the Australian Government Rebateand my annual income is
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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.

Learn more about 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.

Learn more about the value of extras insurance

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.

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.

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:

Learn more about 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.