nib
nib
Ambulance OnlyEmergency ambulance
0 of 27 extras services covered
$3.85†a month after the base-tier rebate (24.1%)
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.
nib
HBF
Emergency ambulance
0 of 27 extras services covered
$4.26†a month after the base-tier rebate (24.1%)
Bupa
Emergency ambulance
0 of 27 extras services covered
$4.44†a month after the base-tier rebate (24.1%)
Westfund
Westfund
AmbulanceEmergency and non-emergency ambulance
0 of 27 extras services covered
$4.47†a month after the base-tier rebate (24.1%)
HIF
Emergency and non-emergency ambulance
0 of 27 extras services covered
$5.27†a month after the base-tier rebate (24.1%)
Medibank
Medibank
Ambulance Cover WAEmergency and non-emergency ambulance
0 of 27 extras services covered
$5.50†a month after the base-tier rebate (24.1%)
Bupa
Bupa
Premium AmbulanceEmergency and non-emergency ambulance
0 of 27 extras services covered
$5.80†a month after the base-tier rebate (24.1%)
Peoplecare
Peoplecare
Ambulance OnlyEmergency and non-emergency ambulance
0 of 27 extras services covered
$5.98†a month after the base-tier rebate (24.1%)
Hunter Health Insurance
Hunter Health Insurance
Ambulance Only (Z)Emergency ambulance
0 of 27 extras services covered
$6.10†a month after the base-tier rebate (24.1%)
HCF
Emergency and non-emergency ambulance
0 of 27 extras services covered
$7.47†a month after the base-tier rebate (24.1%)
HBF
HBF
Urgent AmbulanceEmergency ambulance
0 of 27 extras services covered
$7.78†a month after the base-tier rebate (24.1%)
Bupa
Bupa
Extras SaverEmergency 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%)
ahm
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
$13.24†a month after the base-tier rebate (24.1%)
HCF
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
$14.01†a month after the base-tier rebate (24.1%)
Latrobe Health Services
Latrobe Health Services
Basic ExtrasEmergency 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
$14.61†a month after the base-tier rebate (24.1%)
Medibank
Medibank
Healthy Living ExtrasEmergency 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%)
Bupa
Bupa
Freedom 50Emergency 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%)
HBF
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
$16.09†a month after the base-tier rebate (24.1%)
ahm
ahm
black 50 saverEmergency 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%)
Westfund
Westfund
Dental Saver ExtrasEmergency 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%)
nib
nib
Value ExtrasEmergency 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%)
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
$16.70†a month after the base-tier rebate (24.1%)
Australian 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
$18.97†a month after the base-tier rebate (24.1%)
HBF
HBF
Basic ExtrasEmergency 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%)
ahm
ahm
black 50Emergency 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
$21.32†a month after the base-tier rebate (24.1%)
Health Partners
Health Partners
Base ExtrasEmergency 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%)
Westfund
Westfund
Starter ExtrasEmergency 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
$22.52†a month after the base-tier rebate (24.1%)
Latrobe Health Services
Latrobe Health Services
Core Essential ExtrasEmergency 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
$22.89†a month after the base-tier rebate (24.1%)
Bupa
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%)
Bupa
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%)
Bupa
Bupa
Budget Extras 60Emergency ambulance
12 of 27 extras services covered
What the extras pay back
General dental$350 yearly limitup to $26.95 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
$23.45†a month after the base-tier rebate (24.1%)
Bupa
Bupa
Starter ExtrasEmergency ambulance
6 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with 3 other servicesup to $34.10 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
$23.49†a month after the base-tier rebate (24.1%)
Medibank
Medibank
Essential Extras 60Emergency ambulance
9 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $23 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 $37.10 back on a first visit
$23.71†a month after the base-tier rebate (24.1%)
nib
nib
Basic ExtrasEmergency 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
$24.59†a month after the base-tier rebate (24.1%)
AAMI Health Insurance
AAMI Health Insurance
AAMI Starter ExtrasEmergency 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
$25.14†a month after the base-tier rebate (24.1%)
Suncorp Health Insurance
Suncorp Health Insurance
Suncorp Health Insurance Starter ExtrasEmergency 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
$25.21†a month after the base-tier rebate (24.1%)
HIF
HIF
Basic ExtrasEmergency 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
$26.33†a month after the base-tier rebate (24.1%)
HBF
HBF
Value 50Emergency 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
$28.43†a month after the base-tier rebate (24.1%)
Medibank
Medibank
Healthy Start ExtrasEmergency ambulance
14 of 27 extras services covered
What the extras pay back
General dental$500 yearly limit shared with other servicesup to $23 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 $37.10 back on a first visit
$28.99†a month after the base-tier rebate (24.1%)
Medibank
Medibank
My Choice Extras Core 60Emergency ambulance
8 of 27 extras services covered
What the extras pay back
General dental$400 yearly limitup to $23 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
$29.37†a month after the base-tier rebate (24.1%)
Peoplecare
Peoplecare
Simple ExtrasEmergency 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%)
ahm
ahm
value extrasEmergency 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
$30.28†a month after the base-tier rebate (24.1%)
Phoenix Health Fund
Phoenix Health Fund
Kick Start Extras 50Emergency 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%)
Health Partners
Health Partners
Flex Extras: EyesEmergency 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%)
HCF
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
$31.07†a month after the base-tier rebate (24.1%)
Latrobe Health Services
Latrobe Health Services
Core Complete Extras PackageEmergency 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
$32.08†a month after the base-tier rebate (24.1%)
Qantas Insurance
Qantas Insurance
Qantas Starter ExtrasEmergency 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%)
HIF
HIF
Value ExtrasEmergency 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
$32.74†a month after the base-tier rebate (24.1%)
RT Health
RT Health
Ambulance and Value ExtrasEmergency ambulance
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
$32.92†a month after the base-tier rebate (24.1%)
Health Partners
Health Partners
Flex Extras: WellnessEmergency 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%)
50 of 205 extras policies shown.
Show 50 more45 extras policies with no ambulance cover are hidden
Show them† 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 Western Australia, 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 ›