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*iSelect does not compare all providers or policies in the market and not all policies or special offers are available at all times, through all channels or in all areas. Not all policies available from our providers are compared by iSelect and due to commercial arrangements and customer circumstances, not all policies compared by iSelect are available to all customers.  Learn more.

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What is Extras Cover?

Extras Cover is a Health Insurance policy that covers some of the costs of some various general medical and healthcare services that happen outside of a hospital.1 These services are typically things you use quite a bit, like trips to the dentist, optometrist or the physio2 Extras Cover is also sometimes called General...

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

Have you ever stopped and thought about how much it costs to pay for new glasses, dentist visits or massages? If you have (or you’re thinking about it right now), then you’d probably also like help towards the cost of these kinds of necessities and services. That’s where private Extras Cover could help.

How is Extras Cover different to other kinds of insurance?

Hospital Cover

Hospital Cover comes in handy for private hospital treatment, helping to pay for some of those scary bills, like accommodation, theatres fees, medicine and doctor’s fees, depending on your particular policy

Extras Cover

Extras Cover works a bit differently. It helps pay for a range of services  not covered by Medicare such as dental and physio.

Family Combination Cover

family extras cover and family hospital policies cover very different things, so a lot of people actually get both. If you take out hospital cover and extras cover for your family you can usually combine them into a single policy You should also be able to combine different levels of cover to suit your needs, for example you might want gold hospital cover and a medium extras policy.

I already have Hospital Cover; can I still get Extras?

Most health insurance providers offer a  combined extras and hospital cover. If you already have Hospital Cover, you can also consider buying Extras only cover separately from the same or a different provider.

Extras Cover Explained

Learn more about how extras cover works in this short video.


Laura Crowden
iSelect Spokesperson

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

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?

Can I reduce the cost of my Extras Cover?

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

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

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