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Updated 14/06/2024
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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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Updated 14/06/2024

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.

Edited by

Ellie Garran

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 Optical Cover?

Seeing clearly is easy to take for granted until you suddenly can’t anymore. Luckily, Health Insurance with Optical Cover could help you get things back in focus, whether it’s through visiting your optometrist or having laser eye surgery. Depending on your needs, the Optical Cover you’re after could be part of either Hospital Cover or Extras Cover

Helpful Tip:

If you’re looking for the best of both worlds, you might be able to get your desired Optical Cover with a Combined Hospital and Extras Policy.

How much does Extras Cover cost? 

While premiums can vary depending on your chosen extras, this graph could give you an idea of what to expect. 

Source: iSelect internal data of customers who purchased an Extras-Only Policy in 2023. 

What should I keep in mind when choosing Optical Cover?

Life stage

As we age, our eyes change and rarely for the better. Many of us may develop some vision issues, like presbyopia or age-related macular degeneration, making everyday tasks like reading or driving harder. You may want to have more Optical Cover as you grow older. 

Family history

Vision issues, like short-sightedness, can run in families. So, while you may be able to spot an ant at 10 paces now, things might not always stay the same. As a result, you may want to look into cover that lines up with any optical issues sitting in your family tree.

Value

From flexibility and choice to larger annual limits, how you define a value-rich Optical Cover Policy is up to you. You may like to think about what qualities matter the most to you.

Waiting periods

For Hospital Optical Cover, your waiting periods will only be two months — unless it’s for a pre-existing condition, then it’ll be 12 months. Insurers set their own Extras Optical Cover waiting periods; these could vary from no waiting period up to 12 months, depending on the item.

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Frequently asked questions

What optical services does Medicare cover?

How much can prescription glasses or contact lenses cost?

How much does laser eye surgery cost?

How much does cataract surgery cost?

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

  • 1.
    Australian Institute of Health and Welfare Elective surgery waiting times 202223
  • 2.
    Medical Costs Finder Cataract surgery
  • 3.
    These are the amounts patients typically paid for these services, rounded to the nearest dollar. They do not include hospital payments such as excesses, co-payments or other payments. These fees may vary depending on your situation. Not all patients had out-of-pocket costs; those who didn’t aren’t included in these figures.