Compare Health insurance

Health insurance: extras cover

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

Showing the first 100 of 236 policies.

Policies as filed on 1 Oct 2026

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

How results are sorted
nibnib
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 InsuranceFrank Health Insurance

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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BupaBupa
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 FundMildura Health Fund

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 HBFsee-u by HBF

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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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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MedibankMedibank
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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BupaBupa

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
$15.97†a month after the base-tier rebate (24.1%)
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ahmahm
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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nibnib
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
$16.31†a month after the base-tier rebate (24.1%)
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WestfundWestfund
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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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
$16.91†a month after the base-tier rebate (24.1%)
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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
$17.25†a month after the base-tier rebate (24.1%)
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see-u by HBFsee-u by HBF

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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Australian UnityAustralian Unity

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
$19.69†a month after the base-tier rebate (24.1%)
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Latrobe Health ServicesLatrobe Health Services

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
$20.17†a month after the base-tier rebate (24.1%)
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HBFHBF
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
$20.67†a month after the base-tier rebate (24.1%)
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Frank Health InsuranceFrank Health Insurance

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
$21.25†a month after the base-tier rebate (24.1%)
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ahmahm

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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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
$21.80†a month after the base-tier rebate (24.1%)
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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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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 PartnersHealth Partners

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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BupaBupa
Emergency ambulance
12 of 27 extras services covered

What the extras pay back

General dental$350 yearly limitup to $17.05 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 $34.95 back on a first visit
$22.35†a month after the base-tier rebate (24.1%)
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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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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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Frank Health InsuranceFrank Health Insurance

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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BupaBupa
Emergency ambulance
6 of 27 extras services covered

What the extras pay back

General dental$500 yearly limit shared with 3 other servicesup to $22 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 $36.65 back on a first visit
$24.47†a month after the base-tier rebate (24.1%)
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MedibankMedibank
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 $38.70 back on a first visit
$25.04†a month after the base-tier rebate (24.1%)
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WestfundWestfund

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
$25.32†a month after the base-tier rebate (24.1%)
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Suncorp Health InsuranceSuncorp Health Insurance

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
$25.34†a month after the base-tier rebate (24.1%)
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AAMI Health InsuranceAAMI Health Insurance

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
$25.52†a month after the base-tier rebate (24.1%)
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nibnib
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
$25.52†a month after the base-tier rebate (24.1%)
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Mildura Health FundMildura Health Fund

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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HIFHIF
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
$26.94†a month after the base-tier rebate (24.1%)
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Latrobe Health ServicesLatrobe Health Services

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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see-u by HBFsee-u by HBF

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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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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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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Queensland Country Health FundQueensland Country Health Fund

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
$28.73†a month after the base-tier rebate (24.1%)
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RT HealthRT Health

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
$29.05†a month after the base-tier rebate (24.1%)
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PeoplecarePeoplecare

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 FundMildura Health Fund

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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MedibankMedibank
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 $38.70 back on a first visit
$30.39†a month after the base-tier rebate (24.1%)
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Phoenix Health FundPhoenix Health Fund

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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HBFHBF

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
$30.96†a month after the base-tier rebate (24.1%)
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ahmahm
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
$30.96†a month after the base-tier rebate (24.1%)
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MedibankMedibank
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
$31.04†a month after the base-tier rebate (24.1%)
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Health PartnersHealth Partners

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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Qantas InsuranceQantas Insurance

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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Emergency ambulance
9 of 27 extras services covered

What the extras pay back

General dental$650 yearly limit (no limit on preventative dental) shared with other services60% back on a check-up
Glasses and contact lenses$175 yearly limit60% back on single vision glasses
Physiotherapy$650 yearly limit shared with other services60% back on a first visit
$33.23†a month after the base-tier rebate (24.1%)
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Health PartnersHealth Partners

Health Partners

Flex Extras: Wellness
Emergency ambulance
15 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 lensesnot covered
Physiotherapynot covered
$33.24†a month after the base-tier rebate (24.1%)
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Health PartnersHealth Partners

Health Partners

Flex Extras: Body
Emergency ambulance
9 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 lensesnot covered
Physiotherapy$400 yearly limit shared with 3 other services60% back on a first visit
$33.93†a month after the base-tier rebate (24.1%)
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AIA Health InsuranceAIA Health Insurance

AIA Health Insurance

Base Set Extras Only
No ambulance cover
11 of 27 extras services covered

What the extras pay back

General dental$400 yearly limitup to $29 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$250 yearly limit shared with other servicesup to $40 back on a first visit
$34.09†a month after the base-tier rebate (24.1%)
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Frank Health InsuranceFrank Health Insurance

Frank Health Insurance

Frank Bundables $750
No ambulance cover
13 of 27 extras services covered

What the extras pay back

General dental$750 yearly limit shared with 12 other services, smaller limits apply50% back on a check-up
Glasses and contact lenses$750 yearly limit shared with 12 other services, smaller limits apply50% back on single vision glasses
Physiotherapy$750 yearly limit shared with 12 other services, smaller limits apply50% back on a first visit
$34.91†a month after the base-tier rebate (24.1%)
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AIA Health InsuranceAIA Health Insurance

AIA Health Insurance

Base 55% Back Extras Only
No ambulance cover
11 of 27 extras services covered

What the extras pay back

General dental$500 yearly limit55% back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with other services55% back on a first visit
$34.91†a month after the base-tier rebate (24.1%)
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St LukesSt Lukes

St Lukes

Budget Extras
No ambulance cover
5 of 27 extras services covered

What the extras pay back

General dental$500 yearly limitup to $33 back on a check-up
Glasses and contact lenses$200 yearly limitup to $200 back on single vision glasses
Physiotherapy$500 yearly limit shared with acupuncture and remedial massage, smaller limits applyup to $45 back on a first visit
$35.51†a month after the base-tier rebate (24.1%)
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HIFHIF
Emergency and non-emergency ambulance
12 of 27 extras services covered

What the extras pay back

General dental$750 yearly limitup to $54.35 back on a check-up
Glasses and contact lenses$150 yearly limit100% back on single vision glasses
Physiotherapy$350 yearly limit shared with other servicesup to $30 back on a first visit
$35.93†a month after the base-tier rebate (24.1%)
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Health PartnersHealth Partners

Health Partners

Flex Extras: Teeth Pro
Emergency ambulance
6 of 27 extras services covered

What the extras pay back

General dental$1,000 yearly limit, shared with 3 other services60% back on a check-up
Glasses and contact lensesnot covered
Physiotherapynot covered
$36.89†a month after the base-tier rebate (24.1%)
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BupaBupa

Bupa

Freedom 60
Emergency ambulance
6 of 27 extras services covered

What the extras pay back

General dental$700 yearly limit shared with 3 other services60% back on a check-up
Glasses and contact lenses$150 yearly limit60% back on single vision glasses
Physiotherapy$700 yearly limit shared with 3 other services60% back on a first visit
$37.75†a month after the base-tier rebate (24.1%)
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MedibankMedibank
Emergency ambulance
9 of 27 extras services covered

What the extras pay back

General dental$750 yearly limitup to $26.50 back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$450 yearly limit shared with chiropractic and osteopathyup to $49.20 back on a first visit
$37.83†a month after the base-tier rebate (24.1%)
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Queensland Country Health FundQueensland Country Health Fund

Queensland Country Health Fund

Select Extras
No ambulance cover
12 of 27 extras services covered

What the extras pay back

General dental$400 yearly limitup to $44 back on a check-up
Glasses and contact lenses$245 yearly limitup to $245 back on single vision glasses
Physiotherapy$500 yearly limitup to $44 back on a first visit
$38.02†a month after the base-tier rebate (24.1%)
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Emergency ambulance
19 of 27 extras services covered

What the extras pay back

General dental$700 yearly limitup to $17.05 back on a check-up
Glasses and contact lenses$180 yearly limitup to $165.20 back on single vision glasses
Physiotherapy$450 yearly limit shared with other servicesup to $34.95 back on a first visit
$38.21†a month after the base-tier rebate (24.1%)
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HBFHBF

HBF

Flex 50
Emergency ambulance
16 of 27 extras services covered

What the extras pay back

General dental$800 yearly limit shared with other services, smaller limits apply50% back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$800 yearly limit shared with other services50% back on a first visit
$38.21†a month after the base-tier rebate (24.1%)
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BupaBupa
Emergency ambulance
11 of 27 extras services covered

What the extras pay back

General dental$650 yearly limitup to $22 back on a check-up
Glasses and contact lenses$200 yearly limitup to $181.60 back on single vision glasses
Physiotherapy$450 yearly limit shared with chiropractic and osteopathyup to $41.05 back on a first visit
$38.59†a month after the base-tier rebate (24.1%)
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ahmahm
Emergency ambulance
11 of 27 extras services covered

What the extras pay back

General dental$500 yearly limitup to $28.55 back on a check-up
Glasses and contact lenses$150 yearly limitup to $150 back on single vision glasses
Physiotherapy$200 yearly limitup to $34 back on a first visit
$38.62†a month after the base-tier rebate (24.1%)
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Suncorp Health InsuranceSuncorp Health Insurance

Suncorp Health Insurance

Suncorp Health Insurance Everyday Extras
Emergency ambulance
11 of 27 extras services covered

What the extras pay back

General dental$600 yearly limit (no limit on preventative dental)up to $35.20 back on a check-up
Glasses and contact lenses$200 yearly limit60% back on single vision glasses
Physiotherapy$350 yearly limit shared with chiropractic and osteopathy60% back on a first visit
$39.01†a month after the base-tier rebate (24.1%)
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Health PartnersHealth Partners
Emergency ambulance
16 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
$39.09†a month after the base-tier rebate (24.1%)
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AAMI Health InsuranceAAMI Health Insurance

AAMI Health Insurance

AAMI Starter Boost Extras
Emergency ambulance
11 of 27 extras services covered

What the extras pay back

General dental$600 yearly limit (no limit on preventative dental)up to $35.20 back on a check-up
Glasses and contact lenses$200 yearly limit60% back on single vision glasses
Physiotherapy$350 yearly limit shared with chiropractic and osteopathy60% back on a first visit
$39.12†a month after the base-tier rebate (24.1%)
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ING Health InsuranceING Health Insurance

ING Health Insurance

ING Essential Extras
Emergency ambulance
8 of 27 extras services covered

What the extras pay back

General dental$500 yearly limitup to $35.20 back on a check-up
Glasses and contact lenses$200 yearly limit60% back on single vision glasses
Physiotherapy$300 yearly limit shared with chiropractic and osteopathy60% back on a first visit
$39.19†a month after the base-tier rebate (24.1%)
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Health PartnersHealth Partners

Health Partners

Flex Extras: Eyes / Body
Emergency ambulance
10 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
Physiotherapy$400 yearly limit shared with 3 other services60% back on a first visit
$39.72†a month after the base-tier rebate (24.1%)
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Apia Health InsuranceApia Health Insurance

Apia Health Insurance

Apia Essential Extras
Emergency ambulance
5 of 27 extras services covered

What the extras pay back

General dental$600 yearly limit (no limit on preventative dental)up to $35.20 back on a check-up
Glasses and contact lenses$250 yearly limit60% back on single vision glasses
Physiotherapy$350 yearly limit60% back on a first visit
$39.73†a month after the base-tier rebate (24.1%)
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Emergency ambulance
22 of 27 extras services covered

What the extras pay back

General dental$500 yearly limit50% back on a check-up
Glasses and contact lenses$200 yearly limit50% back on single vision glasses
Physiotherapy$350 yearly limit50% back on a first visit
$39.76†a month after the base-tier rebate (24.1%)
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Emergency ambulance
5 of 27 extras services covered

What the extras pay back

General dental$800 yearly limit shared with 3 other services60% back on a check-up
Glasses and contact lenses$250 yearly limit60% back on single vision glasses
Physiotherapynot covered
$39.76†a month after the base-tier rebate (24.1%)
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Latrobe Health ServicesLatrobe Health Services

Latrobe Health Services

Core Complete Extras Package
Emergency ambulance
24 of 27 extras services covered

What the extras pay back

General dental$1,000 yearly limit, shared with major dental and root canalup to $30.50 back on a check-up
Glasses and contact lenses$200 yearly limitup to $200 back on single vision glasses
Physiotherapy$300 yearly limit shared with chiropractic and osteopathyup to $45 back on a first visit
$39.78†a month after the base-tier rebate (24.1%)
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AIA Health InsuranceAIA Health Insurance

AIA Health Insurance

Good 65% Back Extras Only
No ambulance cover
13 of 27 extras services covered

What the extras pay back

General dental$700 yearly limit shared with major dental and root canal65% back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$400 yearly limit shared with other services65% back on a first visit
$40.16†a month after the base-tier rebate (24.1%)
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nibnib
Emergency ambulance
5 of 27 extras services covered

What the extras pay back

General dental$600 yearly limit (no limit on preventative dental)up to $35.20 back on a check-up
Glasses and contact lenses$250 yearly limit60% back on single vision glasses
Physiotherapy$350 yearly limit60% back on a first visit
$40.52†a month after the base-tier rebate (24.1%)
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HBFHBF
Emergency ambulance
22 of 27 extras services covered

What the extras pay back

General dental$800 yearly limit shared with major dental and root canalup to $31 back on a check-up
Glasses and contact lenses$250 yearly limit100% back on single vision glasses
Physiotherapy$400 yearly limit shared with 3 other servicesup to $50 back on a first visit
$41.08†a month after the base-tier rebate (24.1%)
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MedibankMedibank
Emergency ambulance
15 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
Physiotherapy$300 yearly limit shared with 5 other servicesup to $34.70 back on a first visit
$41.58†a month after the base-tier rebate (24.1%)
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WestfundWestfund

Westfund

Choice Extras
Emergency and non-emergency ambulance
21 of 27 extras services covered

What the extras pay back

General dental$800 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$400 yearly limit shared with other services50% back on a first visit
$41.66†a month after the base-tier rebate (24.1%)
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Health PartnersHealth Partners
Emergency ambulance
19 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 lensesnot covered
Physiotherapy$400 yearly limit shared with 3 other services60% back on a first visit
$41.70†a month after the base-tier rebate (24.1%)
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Emergency ambulance
12 of 27 extras services covered

What the extras pay back

General dental$800 yearly limit shared with 3 other services60% back on a check-up
Glasses and contact lensesnot covered
Physiotherapynot covered
$41.92†a month after the base-tier rebate (24.1%)
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Emergency ambulance
8 of 27 extras services covered

What the extras pay back

General dental$800 yearly limit shared with 3 other services60% back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$400 yearly limit shared with 3 other services60% back on a first visit
$42.04†a month after the base-tier rebate (24.1%)
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see-u by HBFsee-u by HBF

see-u by HBF

Simple 60
No ambulance cover
12 of 27 extras services covered

What the extras pay back

General dental$700 yearly limit60% back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with exercise physiology60% back on a first visit
$42.11†a month after the base-tier rebate (24.1%)
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Real Health InsuranceReal Health Insurance

Real Health Insurance

Real Starter Extras
Emergency ambulance
8 of 27 extras services covered

What the extras pay back

General dental$800 yearly limit shared with major dental and root canalup to $35.20 back on a check-up
Glasses and contact lenses$200 yearly limit60% back on single vision glasses
Physiotherapy$300 yearly limit shared with chiropractic and osteopathy60% back on a first visit
$42.13†a month after the base-tier rebate (24.1%)
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Qantas InsuranceQantas Insurance

Qantas Insurance

Qantas Basic Extras
Emergency ambulance
7 of 27 extras services covered

What the extras pay back

General dental$600 yearly limit (no limit on preventative dental)up to $35.20 back on a check-up
Glasses and contact lenses$250 yearly limit60% back on single vision glasses
Physiotherapy$350 yearly limit60% back on a first visit
$42.13†a month after the base-tier rebate (24.1%)
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Seniors Health InsuranceSeniors Health Insurance

Seniors Health Insurance

Seniors Essentials Extras
Emergency ambulance
9 of 27 extras services covered

What the extras pay back

General dental$800 yearly limit shared with major dental and root canalup to $35.20 back on a check-up
Glasses and contact lenses$200 yearly limit60% back on single vision glasses
Physiotherapy$300 yearly limit shared with chiropractic and osteopathy60% back on a first visit
$42.30†a month after the base-tier rebate (24.1%)
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Latrobe Health ServicesLatrobe Health Services

Latrobe Health Services

Core Complete Extras
Emergency ambulance
24 of 27 extras services covered

What the extras pay back

General dental$1,000 yearly limit, shared with major dental and root canalup to $30.50 back on a check-up
Glasses and contact lenses$200 yearly limitup to $200 back on single vision glasses
Physiotherapy$300 yearly limit shared with chiropractic and osteopathyup to $45 back on a first visit
$42.34†a month after the base-tier rebate (24.1%)
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MedibankMedibank
Emergency ambulance
20 of 27 extras services covered

What the extras pay back

General dental$750 yearly limitup to $22.50 back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$300 yearly limit shared with other servicesup to $38.70 back on a first visit
$42.38†a month after the base-tier rebate (24.1%)
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Health PartnersHealth Partners
Emergency ambulance
7 of 27 extras services covered

What the extras pay back

General dental$1,000 yearly limit, shared with 3 other services60% back on a check-up
Glasses and contact lenses$200 yearly limit60% back on single vision glasses
Physiotherapynot covered
$42.39†a month after the base-tier rebate (24.1%)
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HIFHIF
Emergency and non-emergency ambulance
14 of 27 extras services covered

What the extras pay back

General dental$600 yearly limit60% back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$350 yearly limit shared with other services60% back on a first visit
$42.65†a month after the base-tier rebate (24.1%)
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HCFHCF
Emergency ambulance
13 of 27 extras services covered

What the extras pay back

General dental$700 yearly limit shared with other servicesup to $33 back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$350 yearly limit shared with exercise physiologyup to $56 back on a first visit
$42.85†a month after the base-tier rebate (24.1%)
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ahmahm

ahm

black 60
Emergency ambulance
8 of 27 extras services covered

What the extras pay back

General dental$650 yearly limit60% back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$350 yearly limit shared with other services60% back on a first visit
$42.87†a month after the base-tier rebate (24.1%)
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Mildura Health FundMildura Health Fund

Mildura Health Fund

Base Extras and Dental - AD
No ambulance cover
19 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 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
$43.06†a month after the base-tier rebate (24.1%)
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No ambulance cover
12 of 27 extras services covered

What the extras pay back

General dental$1,000 yearly limit, shared with 10 other services, smaller limits apply100% back on a check-up
Glasses and contact lenses$200 yearly limit100% back on single vision glasses
Physiotherapy$1,000 yearly limit, shared with 10 other services, smaller limits apply60% back on a first visit
$43.44†a month after the base-tier rebate (24.1%)
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No ambulance cover
11 of 27 extras services covered

What the extras pay back

General dental$1,000 yearly limit, shared with 10 other services, smaller limits apply100% back on a check-up
Glasses and contact lensesnot covered
Physiotherapy$1,000 yearly limit, shared with 10 other services, smaller limits apply60% back on a first visit
$43.44†a month after the base-tier rebate (24.1%)
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Emergency ambulance
22 of 27 extras services covered

What the extras pay back

General dental$500 yearly limit50% back on a check-up
Glasses and contact lenses$200 yearly limit50% back on single vision glasses
Physiotherapy$350 yearly limit50% back on a first visit
$43.56†a month after the base-tier rebate (24.1%)
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MedibankMedibank
Emergency ambulance
8 of 27 extras services covered

What the extras pay back

General dental$750 yearly limitup to $26.50 back on a check-up
Glasses and contact lenses$200 yearly limit shared with eye therapy (orthoptics)100% back on single vision glasses
Physiotherapynot covered
$44.13†a month after the base-tier rebate (24.1%)
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Health PartnersHealth Partners
Emergency ambulance
16 of 27 extras services covered

What the extras pay back

General dental$1,000 yearly limit, shared with 3 other services60% back on a check-up
Glasses and contact lensesnot covered
Physiotherapynot covered
$44.32†a month after the base-tier rebate (24.1%)
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Emergency ambulance
22 of 27 extras services covered

What the extras pay back

General dental$500 yearly limit60% back on a check-up
Glasses and contact lenses$200 yearly limit60% back on single vision glasses
Physiotherapy$350 yearly limit60% back on a first visit
$44.58†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 Queensland, 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 ›