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Health insurance: extras cover

Every policy open to new members, as insurers filed it with the Private Health Insurance Ombudsman. Free, no sign-up.

Hospital and extras Hospital only Extras only

Showing the first 50 of 239 policies.

Policies as filed on 1 Oct 2026

Priced for Victoria · Just me · each policy at its lowest premium · after the base-tier rebate (24.1%, assuming you are under 65). Change your answers

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nib

DentalPass

No ambulance cover

1 of 27 extras services covered

What the extras pay back

General dental$50 yearly limit, 2 visits a yearup to $25 back on a check-up

Glasses and contact lensesnot covered

Physiotherapynot covered

$2.81†a month after the base-tier rebate (24.1%)

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Frank Health Insurance

Frank Bundables $250

No ambulance cover

13 of 27 extras services covered

What the extras pay back

General dental$250 yearly limit shared with 12 other services, smaller limits apply50% back on a check-up

Glasses and contact lenses$250 yearly limit shared with 12 other services, smaller limits apply50% back on single vision glasses

Physiotherapy$250 yearly limit shared with 12 other services, smaller limits apply50% back on a first visit

$11.76†a month after the base-tier rebate (24.1%)

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Bupa

Extras Saver

Emergency ambulance

1 of 27 extras services covered

What the extras pay back

General dental$350 yearly limit50% back on a check-up

Glasses and contact lensesnot covered

Physiotherapynot covered

$12.14†a month after the base-tier rebate (24.1%)

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Mildura Health Fund

Base Extras - A

No ambulance cover

15 of 27 extras services covered

What the extras pay back

General dentalnot covered

Glasses and contact lenses$185 yearly limitup to $185 back on single vision glasses

Physiotherapy$390 yearly limit shared with exercise physiology and occupational therapyup to $27 back on a first visit

$12.71†a month after the base-tier rebate (24.1%)

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see-u by HBF

Easy Extras

No ambulance cover

6 of 27 extras services covered

What the extras pay back

General dental$400 yearly limitup to $25 back on a check-up

Glasses and contact lensesnot covered

Physiotherapy$200 yearly limit shared with 4 other servicesup to $35 back on a first visit

$12.93†a month after the base-tier rebate (24.1%)

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ahm

choosable 50 – teeth

Emergency ambulance

3 of 27 extras services covered

What the extras pay back

General dental$500 yearly limit shared with major dental and root canal50% back on a check-up

Glasses and contact lensesnot covered

Physiotherapynot covered

$13.28†a month after the base-tier rebate (24.1%)

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HCF

HCF STARTER EXTRAS

Emergency ambulance

7 of 27 extras services covered

What the extras pay back

General dental$350 yearly limit shared with other servicesup to $29 back on a check-up

Glasses and contact lensesnot covered

Physiotherapy$150 yearly limit shared with other servicesup to $40 back on a first visit

$15.40†a month after the base-tier rebate (24.1%)

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Bupa

Freedom 50

Emergency ambulance

4 of 27 extras services covered

What the extras pay back

General dental$500 yearly limit shared with 3 other services50% back on a check-up

Glasses and contact lensesnot covered

Physiotherapy$500 yearly limit shared with 3 other services50% back on a first visit

$15.82†a month after the base-tier rebate (24.1%)

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Medibank

Healthy Living Extras

Emergency ambulance

2 of 27 extras services covered

What the extras pay back

General dentalyearly limit in Detailsup to $22.50 back on a check-up

Glasses and contact lensesnot covered

Physiotherapynot covered

$15.82†a month after the base-tier rebate (24.1%)

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ahm

black 50 saver

Emergency ambulance

4 of 27 extras services covered

What the extras pay back

General dental$400 yearly limit50% back on a check-up

Glasses and contact lensesnot covered

Physiotherapy$300 yearly limit shared with other services50% back on a first visit

$16.12†a month after the base-tier rebate (24.1%)

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Westfund

Dental Saver Extras

Emergency and non-emergency ambulance

1 of 27 extras services covered

What the extras pay back

General dentalyearly limit in Details50% back on a check-up

Glasses and contact lensesnot covered

Physiotherapynot covered

$16.38†a month after the base-tier rebate (24.1%)

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HBF

Smart Start Extras

Emergency ambulance

9 of 27 extras services covered

What the extras pay back

General dental$350 yearly limitup to $24 back on a check-up

Glasses and contact lenses$120 yearly limit100% back on single vision glasses

Physiotherapy$200 yearly limit shared with chiropractic and osteopathyup to $39 back on a first visit

$16.42†a month after the base-tier rebate (24.1%)

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nib

Value Extras

Emergency ambulance

5 of 27 extras services covered

What the extras pay back

General dental$400 yearly limitup to $35.20 back on a check-up

Glasses and contact lensesnot covered

Physiotherapy$200 yearly limit50% back on a first visit

$16.44†a month after the base-tier rebate (24.1%)

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Australian Unity

Easy Extras (ESE)

Emergency ambulance

6 of 27 extras services covered

What the extras pay back

General dental$400 yearly limit50% back on a check-up

Glasses and contact lensesnot covered

Physiotherapy$300 yearly limit shared with exercise physiology50% back on a first visit

$18.40†a month after the base-tier rebate (24.1%)

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HCF

HCF STARTER EXTRAS (WITH OPTICAL)

Emergency ambulance

8 of 27 extras services covered

What the extras pay back

General dental$400 yearly limit shared with other servicesup to $29 back on a check-up

Glasses and contact lenses$100 yearly limit100% back on single vision glasses

Physiotherapy$200 yearly limitup to $42 back on a first visit

$19.37†a month after the base-tier rebate (24.1%)

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see-u by HBF

Starter Extras

No ambulance cover

8 of 27 extras services covered

What the extras pay back

General dental$400 yearly limitup to $25 back on a check-up

Glasses and contact lenses$150 yearly limit100% back on single vision glasses

Physiotherapy$300 yearly limit shared with 3 other servicesup to $35 back on a first visit

$19.63†a month after the base-tier rebate (24.1%)

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Latrobe Health Services

Basic Extras

Emergency ambulance

10 of 27 extras services covered

What the extras pay back

General dental$500 yearly limitup to $30.50 back on a check-up

Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses

Physiotherapy$250 yearly limit shared with other servicesup to $30 back on a first visit

$20.57†a month after the base-tier rebate (24.1%)

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Frank Health Insurance

Frank Easy Extras

No ambulance cover

8 of 27 extras services covered

What the extras pay back

General dental$400 yearly limitup to $29.60 back on a check-up

Glasses and contact lenses$100 yearly limit100% back on single vision glasses

Physiotherapy$350 yearly limit shared with 5 other servicesup to $32 back on a first visit

$21.66†a month after the base-tier rebate (24.1%)

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ahm

black 50

Emergency ambulance

4 of 27 extras services covered

What the extras pay back

General dental$500 yearly limit50% back on a check-up

Glasses and contact lensesnot covered

Physiotherapy$300 yearly limit shared with other services50% back on a first visit

$21.70†a month after the base-tier rebate (24.1%)

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HBF

Basic Extras

Emergency ambulance

6 of 27 extras services covered

What the extras pay back

General dental$350 yearly limit (no limit on preventative dental)up to $37.50 back on a check-up

Glasses and contact lenses$160 yearly limit100% back on single vision glasses

Physiotherapy$250 yearly limit shared with chiropractic and osteopathyup to $33 back on a first visit

$21.89†a month after the base-tier rebate (24.1%)

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GMHBA

GMHBA SmartCare Starter Boost Extras with sub-limits

No ambulance cover

5 of 27 extras services covered

What the extras pay back

General dental$500 yearly limit shared with 3 other services, smaller limits apply100% back on a check-up

Glasses and contact lenses$150 yearly limit100% back on single vision glasses

Physiotherapy$500 yearly limit shared with 3 other services, smaller limits apply60% back on a first visit

$22.12†a month after the base-tier rebate (24.1%)

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GMHBA

GMHBA SmartCare Starter Extras with sub-limits

No ambulance cover

4 of 27 extras services covered

What the extras pay back

General dental$500 yearly limit shared with 3 other services, smaller limits apply100% back on a check-up

Glasses and contact lensesnot covered

Physiotherapy$500 yearly limit shared with 3 other services, smaller limits apply60% back on a first visit

$22.12†a month after the base-tier rebate (24.1%)

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Health Partners

Base Extras

Emergency ambulance

8 of 27 extras services covered

What the extras pay back

General dental$350 yearly limit35% back on a check-up

Glasses and contact lenses$100 yearly limit40% back on single vision glasses

Physiotherapy$150 yearly limit shared with 3 other services, smaller limits applyup to $30 back on a first visit

$22.26†a month after the base-tier rebate (24.1%)

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Bupa

Essential 50 Visitors Cover Extras

Emergency and non-emergency ambulance

9 of 27 extras services covered

What the extras pay back

General dental$300 yearly limit50% back on a check-up

Glasses and contact lenses$150 yearly limit50% back on single vision glasses

Physiotherapy$200 yearly limit shared with 6 other services50% back on a first visit

$22.99†a month after the base-tier rebate (24.1%)

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Bupa

Explorer 50 Visitors Cover

Emergency and non-emergency ambulance

9 of 27 extras services covered

What the extras pay back

General dental$300 yearly limit50% back on a check-up

Glasses and contact lenses$150 yearly limit50% back on single vision glasses

Physiotherapy$200 yearly limit shared with 6 other services50% back on a first visit

$22.99†a month after the base-tier rebate (24.1%)

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Bupa

Budget Extras 60

Emergency ambulance

12 of 27 extras services covered

What the extras pay back

General dental$350 yearly limitup to $23.10 back on a check-up

Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses

Physiotherapy$350 yearly limit shared with 7 other servicesup to $31.10 back on a first visit

$23.30†a month after the base-tier rebate (24.1%)

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Frank Health Insurance

Frank Bundables $500

No ambulance cover

13 of 27 extras services covered

What the extras pay back

General dental$500 yearly limit shared with 12 other services, smaller limits apply50% back on a check-up

Glasses and contact lenses$500 yearly limit shared with 12 other services, smaller limits apply50% back on single vision glasses

Physiotherapy$500 yearly limit shared with 12 other services, smaller limits apply50% back on a first visit

$23.52†a month after the base-tier rebate (24.1%)

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Bupa

Starter Extras

Emergency ambulance

6 of 27 extras services covered

What the extras pay back

General dental$500 yearly limit shared with 3 other servicesup to $29.15 back on a check-up

Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses

Physiotherapy$500 yearly limit shared with 3 other servicesup to $33.30 back on a first visit

$24.47†a month after the base-tier rebate (24.1%)

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Westfund

Starter Extras

Emergency and non-emergency ambulance

15 of 27 extras services covered

What the extras pay back

General dental$400 yearly limit shared with root canalup to $28 back on a check-up

Glasses and contact lenses$400 yearly limit shared with other services, smaller limits applyup to $180 back on single vision glasses

Physiotherapy$400 yearly limit shared with other servicesup to $25 back on a first visit

$25.06†a month after the base-tier rebate (24.1%)

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Mildura Health Fund

Mid Extras - A1

No ambulance cover

19 of 27 extras services covered

What the extras pay back

General dentalnot covered

Glasses and contact lenses$240 yearly limitup to $240 back on single vision glasses

Physiotherapy$540 yearly limit shared with exercise physiology and occupational therapyup to $36 back on a first visit

$26.33†a month after the base-tier rebate (24.1%)

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AAMI Health Insurance

AAMI Starter Extras

Emergency ambulance

6 of 27 extras services covered

What the extras pay back

General dental$350 yearly limitup to $35.20 back on a check-up

Glasses and contact lenses$150 yearly limit60% back on single vision glasses

Physiotherapy$250 yearly limit shared with chiropractic and osteopathy60% back on a first visit

$26.41†a month after the base-tier rebate (24.1%)

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nib

Basic Extras

Emergency ambulance

4 of 27 extras services covered

What the extras pay back

General dental$450 yearly limitup to $35.20 back on a check-up

Glasses and contact lenses$150 yearly limit100% back on single vision glasses

Physiotherapy$200 yearly limit shared with psychology50% back on a first visit

$26.41†a month after the base-tier rebate (24.1%)

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Suncorp Health Insurance

Suncorp Health Insurance Starter Extras

Emergency ambulance

6 of 27 extras services covered

What the extras pay back

General dental$350 yearly limitup to $35.20 back on a check-up

Glasses and contact lenses$150 yearly limit60% back on single vision glasses

Physiotherapy$250 yearly limit shared with other services60% back on a first visit

$26.58†a month after the base-tier rebate (24.1%)

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HIF

Basic Extras

Emergency ambulance

5 of 27 extras services covered

What the extras pay back

General dental$400 yearly limit50% back on a check-up

Glasses and contact lenses$150 yearly limit100% back on single vision glasses

Physiotherapy$300 yearly limit shared with other services50% back on a first visit

$27.09†a month after the base-tier rebate (24.1%)

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Latrobe Health Services

Core Essential Extras

Emergency ambulance

11 of 27 extras services covered

What the extras pay back

General dental$375 yearly limit shared with root canal50% back on a check-up

Glasses and contact lenses$175 yearly limitup to $175 back on single vision glasses

Physiotherapy$350 yearly limit shared with other servicesup to $30 back on a first visit

$27.15†a month after the base-tier rebate (24.1%)

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ahm

value extras

Emergency ambulance

13 of 27 extras services covered

What the extras pay back

General dental$650 yearly limit shared with other services, smaller limits applyup to $28.55 back on a check-up

Glasses and contact lenses$180 yearly limit100% back on single vision glasses

Physiotherapy$200 yearly limitup to $34 back on a first visit

$27.85†a month after the base-tier rebate (24.1%)

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Medibank

Essential Extras 60

Emergency ambulance

9 of 27 extras services covered

What the extras pay back

General dental$400 yearly limitup to $22.50 back on a check-up

Glasses and contact lenses$150 yearly limit100% back on single vision glasses

Physiotherapy$300 yearly limit shared with chiropractic and osteopathyup to $38.20 back on a first visit

$28.04†a month after the base-tier rebate (24.1%)

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see-u by HBF

Simple 50

No ambulance cover

12 of 27 extras services covered

What the extras pay back

General dental$500 yearly limit shared with major dental and root canal50% back on a check-up

Glasses and contact lenses$160 yearly limit100% back on single vision glasses

Physiotherapy$200 yearly limit shared with exercise physiology50% back on a first visit

$28.24†a month after the base-tier rebate (24.1%)

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GMHBA

GMHBA SmartCare Starter Boost Extras

No ambulance cover

5 of 27 extras services covered

What the extras pay back

General dental$500 yearly limit shared with 3 other services100% back on a check-up

Glasses and contact lenses$150 yearly limit100% back on single vision glasses

Physiotherapy$500 yearly limit shared with 3 other services60% back on a first visit

$28.42†a month after the base-tier rebate (24.1%)

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GMHBA

GMHBA SmartCare Starter Extras

No ambulance cover

4 of 27 extras services covered

What the extras pay back

General dental$500 yearly limit shared with 3 other services100% back on a check-up

Glasses and contact lensesnot covered

Physiotherapy$500 yearly limit shared with 3 other services60% back on a first visit

$28.42†a month after the base-tier rebate (24.1%)

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RT Health

Value Extras

No ambulance cover

13 of 27 extras services covered

What the extras pay back

General dental$500 yearly limitup to $30 back on a check-up

Glasses and contact lenses$200 yearly limit100% back on single vision glasses

Physiotherapy$350 yearly limitup to $40 back on a first visit

$29.90†a month after the base-tier rebate (24.1%)

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Peoplecare

Simple Extras

Emergency and non-emergency ambulance

11 of 27 extras services covered

What the extras pay back

General dental$500 yearly limit50% back on a check-up

Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses

Physiotherapy$300 yearly limit shared with other servicesup to $40 back on a first visit

$30.01†a month after the base-tier rebate (24.1%)

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Mildura Health Fund

Dental - D

No ambulance cover

4 of 27 extras services covered

What the extras pay back

General dental$1,050 yearly limit, shared with other servicesup to $59.85 back on a check-up

Glasses and contact lensesnot covered

Physiotherapynot covered

$30.35†a month after the base-tier rebate (24.1%)

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Queensland Country Health Fund

Young Extras

No ambulance cover

14 of 27 extras services covered

What the extras pay back

General dental$500 yearly limit shared with major dentalup to $42 back on a check-up

Glasses and contact lenses$225 yearly limitup to $225 back on single vision glasses

Physiotherapy$400 yearly limitup to $42 back on a first visit

$30.42†a month after the base-tier rebate (24.1%)

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Medibank

Healthy Start Extras

Emergency ambulance

14 of 27 extras services covered

What the extras pay back

General dental$500 yearly limit shared with other servicesup to $22.50 back on a check-up

Glasses and contact lenses$150 yearly limit shared with other services100% back on single vision glasses

Physiotherapy$500 yearly limit shared with other servicesup to $38.20 back on a first visit

$30.85†a month after the base-tier rebate (24.1%)

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Phoenix Health Fund

Kick Start Extras 50

Emergency and non-emergency ambulance

9 of 27 extras services covered

What the extras pay back

General dental$500 yearly limit100% back on a check-up

Glasses and contact lensesnot covered

Physiotherapy$400 yearly limit shared with 5 other services, smaller limits apply50% back on a first visit

$30.94†a month after the base-tier rebate (24.1%)

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Health Partners

Flex Extras: Eyes

Emergency ambulance

6 of 27 extras services covered

What the extras pay back

General dental$500 yearly limit shared with major dental and root canal60% back on a check-up

Glasses and contact lenses$200 yearly limit60% back on single vision glasses

Physiotherapynot covered

$31.04†a month after the base-tier rebate (24.1%)

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Medibank

My Choice Extras Core 60

Emergency ambulance

8 of 27 extras services covered

What the extras pay back

General dental$400 yearly limitup to $22.50 back on a check-up

Glasses and contact lenses$150 yearly limit shared with eye therapy (orthoptics)100% back on single vision glasses

Physiotherapynot covered

$31.49†a month after the base-tier rebate (24.1%)

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Qantas Insurance

Qantas Starter Extras

Emergency ambulance

4 of 27 extras services covered

What the extras pay back

General dental$250 yearly limit (no limit on preventative dental)up to $35.20 back on a check-up

Glasses and contact lenses$150 yearly limit60% back on single vision glasses

Physiotherapy$200 yearly limit60% back on a first visit

$32.40†a month after the base-tier rebate (24.1%)

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HBF

Value 50

Emergency ambulance

14 of 27 extras services covered

What the extras pay back

General dental$500 yearly limit shared with major dental and root canal50% back on a check-up

Glasses and contact lenses$200 yearly limit100% back on single vision glasses

Physiotherapy$300 yearly limit shared with 3 other services50% back on a first visit

$32.41†a month after the base-tier rebate (24.1%)

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† Monthly premium: the premium the insurer filed with the Private Health Insurance Ombudsman for this state, household and excess, before the Australian Government rebate. Answer the income and age questions and every figure becomes the premium after your rebate, with any Lifetime Health Cover loading added to the hospital share (the rebate never applies to the loading) and the age-based discount taken off it where the policy offers one. Insurers may quote a different payment frequency and round each step; check the figure with the insurer before you join.

No insurer pays to appear on this list or for its place in it. This list is every policy open to new members that insurers filed with the Ombudsman for Victoria, except corporate and members-only policies unless you include them. LookFirst does not say which tier or policy suits you. The filters are your own questions. What we cover ›

Policy details come from the PrivateHealth.gov.au dataset published by the Private Health Insurance Ombudsman on data.gov.au (release of 1 Oct 2026), licensed under Creative Commons Attribution 3.0 Australia. The dataset ›