Extras cover is the component of health insurance that covers you for out-of-hospital medical care. Also called ‘ancillary’ or ‘general treatment’ cover, it covers all the things that Medicare doesn’t, like dental treatment, optometry, physiotherapy, and more.
It is so greatly desired, that a recent IPSOS survey found that a greater number of Australians have this type of insurance over private hospital cover. Taking out an extras policy is a great way to save on healthcare expenses that take a significant toll on your hip pocket each year. Perhaps you don’t want to pay for dental checkups yourself, or maybe you’re a runner who needs regular physiotherapy appointments. Most Aussies will find at least one feature in an extras policy that they would jump at the chance to utilise.
Like any financial or insurance product, each policy comes with different features and limits. Let’s walk you through the basics.
Popular extras cover
Top level cover will give you lots of extras to choose from, while basic cover may limit you to just a few. Here are some highly sought after extras: