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Combined hospital and extras cover

Health insurance comes in hospital and extras cover, and you can buy them as a combined policy.

Who is this cover for?

Key takeaways

  • Combined policies include both extras and hospital cover.
  • Combined policies can be found from as little as around $93 a month.
  • When comparing combined policies, you will need to check that both the extras and hospital component it right for you.

The table below lists some combined health insurance policies from Finder partners, covering accidents, emergency ambulance, dental and more. All prices are based on a single individual with less than $97,000 income and living in Sydney.

1 - 10 of 683
Name Product AUFHI-NEW Treatments Price Apply
Bupa HI Pty Ltd logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Join Bupa direct and get up to 8 weeks free on eligible products. Offer Ends Nov 27. New Bupa Members Only. Domestic policies only. Terms and conditions apply.
$93.00
per month
Go to Site
All treatments
Frank Health Insurance logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
$94.39
per month
Go to Site
All treatments
ahm health insurance logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +1 other treatments covered
Get up to 8 weeks free. For new joins who maintain eligible Hospital and Extras cover. T&Cs apply. Learn more.
$95.67
per month
Go to Site
All treatments
ahm health insurance logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Get up to 8 weeks free. For new joins who maintain eligible Hospital and Extras cover. T&Cs apply. Learn more.
$96.88
per month
Go to Site
All treatments
Bupa HI Pty Ltd logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Join Bupa direct and get up to 8 weeks free on eligible products. Offer Ends Nov 27. New Bupa Members Only. Domestic policies only. Terms and conditions apply.
$97.86
per month
Go to Site
All treatments
ahm health insurance logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +1 other treatments covered
Get up to 8 weeks free. For new joins who maintain eligible Hospital and Extras cover. T&Cs apply. Learn more.
$98.73
per month
Go to Site
All treatments
Bupa HI Pty Ltd logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +5 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Join Bupa direct and get up to 8 weeks free on eligible products. Offer Ends Nov 27. New Bupa Members Only. Domestic policies only. Terms and conditions apply.
$99.59
per month
Go to Site
All treatments
ahm health insurance logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Get up to 8 weeks free. For new joins who maintain eligible Hospital and Extras cover. T&Cs apply. Learn more.
$99.93
per month
Go to Site
All treatments
ahm health insurance logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +2 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +1 other treatments covered
Get up to 8 weeks free. For new joins who maintain eligible Hospital and Extras cover. T&Cs apply. Learn more.
$100.01
per month
Go to Site
All treatments
HCF MY FUTURE 750 BASIC PLUS
Basic Plus$750 excess
HCF logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +7 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +6 other treatments covered
Get 6 weeks free & 2-month waiting periods waived on extras if you join HCF by 9 December 2024 on eligible combined hospital and extras cover and stay for 3 months. T&Cs apply.
$101.14
per month
Go to Site
All treatments
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What are hospital, extras and combined cover?

Heart

Hospital only

Hospital cover pays for hospital treatment during illness or injury, including accommodation, surgery and other costs.
Ambulance

Extras only

Extras helps pays for non-hospital treatments that are not covered by Medicare, including optical, dental, physio and more.
Combined

Combined

Hospital and extras covers both types of treatment, giving you comprehensive coverage for a huge range of medical costs.

Do I need both hospital and extras cover?

Not everyone needs a combined policy, and you may not even need health insurance at all. However, there are some life stages where people generally start to think about whether they need life insurance.

If you're young and healthy, you may only need basic hospital cover, but may still want comprehensive extras, like dental and physio. If you're older, then hospital cover may be a higher priority for you. Other important differences include the following:

  • Earn over $90k? Not having sufficient hospital cover when your income is above a specified level attracts a Medicare Levy Surcharge, while extras does not.
  • Turning 31? You are charged a Lifetime Health Cover (LHC) loading of 2% for every year you don’t take out hospital cover after you turn 31 years of age. Extras policies don't have this penalty applied.

What can you claim on combined hospital and extras cover?

A combined hospital and extras policy covers you for in-hospital services that are also covered by Medicare. You can be claim for up to 38 services depending on the level of cover you choose (e.g. basic, bronze, silver or gold).

Extras, on the other hand, lets you claim in-hospital services that typically aren't covered by Medicare. This can include things such as dental, physiotherapy, opticals and remedial massage.

How to mix and match

Mixing and matching your hospital and extras options is the best way to get the most out of your benefits. Say for example you're young and healthy and don't need a high level of hospital cover but still want peace of mind knowing that you have hospital cover. Add to this that you like to get a remedial massage, need glasses and are fastidious about your teeth and see the dentist a couple of times a year. In this hypothetical situation, you can choose a basic tier hospital policy with comprehensive extras.

To go a step further, when you're comparison shopping, make sure you're looking beyond just one provider for both options. You might find a better deal by taking out your hospital with one fund and your extras with another.

Health insurance sign up deals for November 2024

1 - 10 of 10
Name Product AUFHI-DLZ

Join Bupa direct and get up to 8 weeks free on eligible products

Ends 27 November 2024

Offer Ends Nov 27. New Bupa Members Only. Domestic policies only. Terms and conditions apply.


Get up to 8 weeks free

For new joins who maintain eligible Hospital and Extras cover. T&Cs apply. Learn more.


Get up to 8 weeks free

For new joins who maintain eligible Hospital cover. T&Cs apply. Learn more.


Get up to 8 weeks free

For new joins who maintain eligible Extras cover. T&Cs apply. Learn more.


Want 6 weeks free and $500 in gift cards (couples/families) or $250 in gift cards (singles/single parents) when you join & maintain eligible Bronze Hospital+Extras or above?

Ends 21 November 2024

New members only. T&Cs apply. Excludes Basic covers. Offer ends 21 Nov 2024.


Get 6 weeks free & 2-month waiting periods waived on extras

Ends 09 December 2024

When you join HCF by 9 December 2024 on eligible combined hospital and extras cover and stay for 3 months. T&Cs apply.


Get a FREE Gift Card on hospital and extras cover.

Ends 17 December 2024

Join HBF by 17 December 2024 to get a $300 gift card with a couple/family policy or $150 gift card with a single/single parent policy after 31 days. New member offer. T&Cs apply.


Want up to 8 weeks free plus a $50 gift card?

Ends 04 December 2024

Join and maintain eligible Extras cover. T&Cs Apply. Excludes Healthy Living Extras. Learn more.


Want up to 8 weeks free and $400 in gift cards (couples/families) or $200 in gift cards (singles/single parents) when you join and maintain eligible Bronze Hospital cover or above?

Ends 11 December 2024

New members only. T&Cs apply. Excludes Basic covers. Offer ends 11 Dec 2024.


Join and earn up to 150,000 Qantas Points

Ends 06 November 2024

Plus, skip the 2 and 6 month waiting periods on Extras with combined cover. Offer ends 6 November. Points will be awarded based on your level of cover over 6 months. Eligibility criteria and T&Cs apply.

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Frequently asked questions

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Editor, Insurance

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

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Richard Laycock is Finder’s insights editor after spending the last five years writing and editing articles about insurance. His musings can be found across the web including on MoneyMag, Yahoo Finance and Travel Weekly. Richard studied Media at Macquarie University and The Missouri School of Journalism and has a Tier 1 Certification in General Advice for Life Insurance. See full bio

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