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Updated 16/05/2024
What changed?
Reviewed by Dr Jill Gamberg and tip added, and referencing style updated.
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Fact checked
Our aim is to help you make better informed decisions. That’s why iSelect’s content is produced in accordance with our fact-checking and editorial guidelines.
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Written by

Mel Basta

Updated 16/05/2024

What changed?

Reviewed by Dr Jill Gamberg and tip added, and referencing style updated.
Our aim is to help you make better informed decisions. That’s why iSelect’s content is produced in accordance with our fact-checking and editorial guidelines.

Find out more about how we make money.

View our Privacy Policy.

Check out our range of private health funds

iSelect does not compare all providers in the market or all policies offered by our partners in your area. Not all policies or special offers are available to all customers and some may only be available over the phone or on the website. Learn more.

What is Extras Cover?

Extras Cover is a Health Insurance policy or part of a more comprehensive package, that covers some of the costs of various  healthcare services that happen outside of a hospital that are not usually covered by Medicare.  

These services are typically things you use quite a bit, like trips to the dentist or optometrist.  

Extras Cover is also sometimes called General Treatment or Ancillary Cover.

Learn more about what can be covered & how to compare Extras policies

How is Extras Cover different from other kinds of insurance?

Hospital Cover

Hospital Cover comes in handy for private hospital treatment, helping to cover in-hospital costs such as accommodation, theatres fees, medication and surgeons’ fees, depending on your particular policy 

Extras Cover

Extras Cover works a bit differently. It can help you pay for a range of health services not covered by Medicare such as dental and optical.

Family Combination Cover

Family Extras policies and family Hospital policies cover very different things, so a lot of people actually get both.

If you take out both Hospital Cover and Extras Cover for your family, you can usually combine them into a single policy. You can also combine different levels of cover to suit your needs. For example, you might want a gold Hospital Cover and a medium Extras policy.

Helpful Tip:

Extras Cover can be very useful when it comes to preventative health. These are treatments that aim to prevent future health conditions. For instance, regular dental cleanings can help prevent gum disease and tooth decay, vaccinations can protect  against serious diseases  and exercise physiologists can help strengthen muscles to avoid fallsExtras Cover can also be helpful with management of conditions, for example, a dietitian can help with weight loss, an occupational therapist can assist with learning challenges, and a physiotherapist can support in the management of an injury.

Dr. Jill Gamberg

GP and Lifestyle Coach

Can I still get Extras if I already have Hospital cover?

Most health insurers offer combined Extras and Hospital Cover, although you don’t have to combine them. If you already have Hospital Cover, you can consider buying Extras-Only Cover separately from the same or a different provider.

How much does Extras Cover cost?

How much your Extras Cover premiums will be, will depend on a number of factors including your level of coverage. .  

But you can use our interactive graph to see how you compare to other iSelect customers.

Our graph shows the average cost of Extras Cover for iSelect customers of different ages, from February 2022 – January 2023.

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Frequently Asked Questions

What can I claim?

How do the benefits and limits of Extras Cover work?

What are the different levels of cover?

What services are included in Extras Cover?

How much money could I get back?

What are preferred providers?

What is a gap payment?

What are the waiting periods for Extras Cover?

Can providers waive waiting periods?

Is there a waiting period if I switch plans?

Why are there waiting periods?

How do I make an Extras claim?

How long do I have to make a claim?

Should I get Extras Cover?

Is Extras Cover good value?

How do I check if I’m making the most of my Extras Cover?

Can I reduce the cost of my Extras Cover?

If I have Extras Cover do I have to pay the MLS?

iSelect does not compare all health insurance providers or policies in the market. The availability of policies will change from time to time. Not all policies available from its providers are compared by iSelect and due to commercial arrangements, your stated needs and circumstances, not all policies compared by iSelect are available to all customers. Some policies and special offers are available only from iSelect’s contact centre or website. Click here to view iSelect’s range of providers