One of the more basic extras policies, but covers some really important treatments at a reasonable price.
Dental is covered with a very respectable $800 of yearly benefits, with another $300 of benefits for wellness treatments.
Also covers emergency ambulance, which everyone should have.
Doesn't cover common treatments like physiotherapy, chiro or optical - if you need those, you'll need to find another policy.
Wellbeing extras limit of $300 is shared across all wellbeing treatments, and could be a bit restrictive.
Member retention rate
86.90% (including Medibank)
Complaints score
Sub-standard. ahm gets 10% more complaints than its market share (including Medibank).
Why we like it
This product has the teeth and wellbeing package, so it's great for you if you like to smile. For real though, this could be good for a young person who needs dental and ambulance cover, but also wants to stay on top of their overall wellbeing. ahm choosable 60 (teeth/wellbeing) was the highest ranking product from a Finder partner in the 2024 Finder Awards in the core extras category. This meant it offered more treatment categories and a higher overall benefit limit per premium dollar than every product than it beat.
Very strong benefit limit, with over $2,000 worth of benefits in your first year, which will increase over time for some treatments.
Comprehensive cover for dental, including orthodontics.
Antenatal and postnatal services like birthing courses and lactation consultants are covered - great for new parents-to-be.
Orthodontics only has a $100 limit in the first year, increasing by $100 a year up to a $1,200 lifetime maximum. That means you'd need cover for 11 years to get the full benefit.
The pregnancy related benefits might not be useful to you.
Complaints score
Sub-standard. Medibank gets 10% more complaints than its market share (including ahm).
Complaints
Excellent. hbf gets 52% fewer complaints than its market share.
Why we like it
This one is a good value policy for someone looking for comprehensive extras cover to match a high tier hospital policy. It's especially good for folks looking to have kids because of the pregnancy related treatments covered - hence the name. Medibank - Growing Family 60 was the highest ranking product from a Finder partner in the 2024 Finder Awards in the comprehensive extras category. This meant it offered more treatment categories and a higher overall benefit limit per premium dollar than every product than it beat.
A single, flexible $800 benefit limit you can use for 12 different treatments however you like, with just one sub-limit for natural therapies.
An extra $200 limit for optical is great if you know you'll need glasses or contacts.
Access to a really wide range of treatments, which is uncommon at this price point.
A combined limit means you will need to make a call on what you use it on.
In that combined limit there is a $200 sub-limit on natural therapies including remedial massage.
Member retention rate
89.90% (the highest of the big funds)
Complaints score
Excellent. hbf gets 52% fewer complaints than its market share.
Why we like it
One of the downsides of extras is that you can only claim so much on each treatment, so it often feels like you're paying for services you don't need. What's nice about the hbf flex range is that you get a single limit that you can just use on the treatments that actually matter to you. Also, hbf flex 50 won the 2024 Finder Award in the medium extras category. This meant it offered more treatment categories and a higher overall benefit limit per premium dollar than every product in that category.
Often has some massive bonus point offers on sign-up, often up to or above 100,000 points.
You'll also earn 1 Qantas frequent flyer point per $1 spent, so you'll keep earning as long as you keep your policy.
Not a frequent flyer member? You'll get it included in your coverage when you join, which normally costs $99.50.
How many sign-up bonus you score will depend on your cover - it's only available for combined policies, and you'll need to take out top hospital and extras to get the full benefit.
Member retention rate
82.70% (including all NIB funds)
Complaints score
Sub-standard. NIB funds - which includes Qantas - get 5% more complaints than its market share.
Why we like it
Qantas is a reseller of NIB health insurance, one of Australia's biggest health funds. But on top of NIB's solid policy offerings, it also lets you earn Qantas frequent flyer points, some of the best rewards points on offer. We found that compared to the sign-up and ongoing benefits offered by other funds, the Qantas points on offer were consistently the most valuable kickback.
Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio
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Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
Under 65
65 - 69
70 or older
What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
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*Prices updated March 2024, in line with Finder's
database of health insurance policies. Prices are based
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living in Sydney with a $750 excess.
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Preventative & general dental
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