Question 1

Is private health insurance extras worth it in Australia?

Accepted Answer

It depends on your healthcare usage. The free calculator takes the dental, optical, physio and other services you expect to use and works out, for every matching policy, what you would pay in premiums and get back in benefits after waiting periods and limits.

Question 2

How do I compare health insurance extras policies?

Accepted Answer

Enter your state, cover type (single/couple/family), and the healthcare services you expect to use. The calculator ranks every matching policy by what it returns against what it costs, and shows the working for each one.

Question 3

Is the calculator free?

Accepted Answer

Yes. The verdict, the ranked policies and the working behind each one are all free. There is no subscription, and we never take commissions from insurers.

Question 4

What is included in extras cover?

Accepted Answer

Extras cover (also called ancillary or general treatment) typically includes dental, optical, physiotherapy, chiropractic, remedial massage, podiatry, psychology and other allied health services not covered by Medicare.

Is hospital cover worth it for you?