Compare our products

Cover me for:Prices are for
cover in
per

Offer alert! Get hospital and extras cover and we’ll cut up to $100 off for singles and up to $200 off for couples and families.
Offer ends 30 November. More info

Hospital and extras packages

All our pre-packaged hospital and extras include:

One limit to spend how you want
Loyalty rewards — stick with us and you’ll get more to use on extras
starter flexi
  • $550 flexi limit to spend on included extras every year.
  • Hospital cover for the ‘just in case’.
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Extras

$550
yearly flexi limit
Bare bones accident cover
 
  • Routine dental
  • Complex dental
  • Major dental
  • Physio
  • Chiro
  • Osteo

Hospital

  • No excess for kids
  • Accident
  • Ambulance
  • Wisdom teeth
  • Removal of tonsils & adenoids
  • Removal of appendix
  • Joint investigations & reconstructions
  • Minor gynaecology
  • Grommets in ears
  • Rehabilitation
    (partial cover)
  • Palliative care
    (partial cover)
  • Psych
    (partial cover)
  • Brain surgery
lite flexi
  • $700 to spend on included extras every year on stuff like dental, chiro, physio and osteo.
  • $200 separate optical limit (100% back).
  • Hospital cover for the ‘just in case’ and then some.
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Extras

$700
yearly flexi limit
$200
optical limit
100% back on optical
 
  • Routine dental
  • Complex dental
  • Major dental
  • Physio
  • Chiro
  • Osteo

Hospital

  • No excess for kids
  • Accident
  • Ambulance
  • Wisdom teeth
  • Removal of tonsils & adenoids
  • Removal of appendix
  • Joint investigations & reconstructions
  • Minor gynaecology
  • Grommets in ears
  • Rehabilitation
    (partial cover)
  • Palliative care
    (partial cover)
  • Psych
    (partial cover)
  • Brain surgery
boost flexi
  • $800 to spend on included extras like dental, physio and natural therapies every year.
  • $200 separate optical limit (100% back).
  • Lots of hospital procedures, with more things ‘in’ than ‘out’ and no excess for kids.
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Extras

$800
yearly flexi limit
$200
optical limit
No gap dental check-ups at select dentists
  • Routine dental
  • Complex dental
  • Major dental
  • Physio
  • Chiro
  • Osteo

Hospital

  • No excess for kids
  • Accident
  • Ambulance
  • Wisdom teeth
  • Removal of tonsils & adenoids
  • Removal of appendix
  • Joint investigations & reconstructions
  • Minor gynaecology
  • Grommets in ears
  • Rehabilitation
    (partial cover)
  • Palliative care
    (partial cover)
  • Psych
    (partial cover)
  • Brain surgery
classic flexi
  • $900 to spend on included extras like dental, physio and natural therapies every year.
  • $250 separate optical limit (100% back).
  • Mid range hospital cover with no excess for the kids.
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Extras

$900
yearly flexi limit
$250
optical limit
No gap dental check-ups at select dentists
  • Routine dental
  • Complex dental
  • Major dental
  • Physio
  • Chiro
  • Osteo

Hospital

  • No excess for kids
  • Accident
  • Ambulance
  • Wisdom teeth
  • Removal of tonsils & adenoids
  • Removal of appendix
  • Joint investigations & reconstructions
  • Minor gynaecology
  • Grommets in ears
  • Rehabilitation
     
  • Palliative care
     
  • Psych
    (partial cover)
  • Brain surgery
deluxe flexi
  • All the above with a whopping $1,100 to spend on included extras every year.
  • $300 separate optical limit (100% back).
  • High end hospital cover for you and the family with no excess for kids.
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Extras

$1100
yearly flexi limit
$300
optical limit
No gap dental check-ups at select dentists
  • Routine dental
  • Complex dental
  • Major dental
  • Physio
  • Chiro
  • Osteo

Hospital

  • No excess for kids
  • Accident
  • Ambulance
  • Wisdom teeth
  • Removal of tonsils & adenoids
  • Removal of appendix
  • Joint investigations & reconstructions
  • Minor gynaecology
  • Grommets in ears
  • Rehabilitation
     
  • Palliative care
     
  • Psych
    (partial cover)
  • Brain surgery

*Price is for Single cover in NSW paying by direct debit and includes an Australian Government Rebate of 25.934% with a 0% Lifetime Health Cover Loading. ^Tasmania and Queensland have State schemes that cover ambulance services for residents of those States.

Lifetime Health Cover Loading and Medicare Levy Surcharge, still confused?

Find out more

Hospital only cover

All our hospital cover includes:

Ambulance^
Hospital accommodation
Operating theatre fees
starter

Bare bones hospital cover for accidents.

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  • No excess for kids
  • Accident
  • Ambulance
  • Wisdom teeth
  • Removal of tonsils & adenoids
  • Removal of appendix
  • Joint investigations & reconstructions
  • Minor gynaecology
  • Grommets in ears
  • Rehabilitation
    (partial cover)
  • Palliative care
    (partial cover)
  • Psych
    (partial cover)
  • Brain surgery
lite

Hospital cover for the ‘just in case’ plus joint reconstructions and wisdom teeth removal.

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  • No excess for kids
  • Accident
  • Ambulance
  • Wisdom teeth
  • Removal of tonsils & adenoids
  • Removal of appendix
  • Joint investigations & reconstructions
  • Minor gynaecology
  • Grommets in ears
  • Rehabilitation
    (partial cover)
  • Palliative care
    (partial cover)
  • Psych
    (partial cover)
  • Brain surgery
boost

Plenty of hospital procedures with some excluded services to keep the costs of your cover down. This is the cover to get when you want more things ‘in’ than ‘out’.

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  • No excess for kids
  • Accident
  • Ambulance
  • Wisdom teeth
  • Removal of tonsils & adenoids
  • Removal of appendix
  • Joint investigations & reconstructions
  • Minor gynaecology
  • Grommets in ears
  • Rehabilitation
    (partial cover)
  • Palliative care
    (partial cover)
  • Psych
    (partial cover)
  • Brain surgery
classic

Meet in the middle with thousands of inclusions like cancer therapies, colonoscopies and heart-related procedures. Plus, no excess for kids.

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  • No excess for kids
  • Accident
  • Ambulance
  • Wisdom teeth
  • Removal of tonsils & adenoids
  • Removal of appendix
  • Joint investigations & reconstructions
  • Minor gynaecology
  • Grommets in ears
  • Rehabilitation
     
  • Palliative care
     
  • Psych
    (partial cover)
  • Brain surgery
deluxe

Packed full of more including procedures like hip and knee joint replacements, major eye surgery, rehab, spinal fusion and heart-related services. And yep, you guessed it - no excess for kids.

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  • No excess for kids
  • Accident
  • Ambulance
  • Wisdom teeth
  • Removal of tonsils & adenoids
  • Removal of appendix
  • Joint investigations & reconstructions
  • Minor gynaecology
  • Grommets in ears
  • Rehabilitation
     
  • Palliative care
     
  • Psych
    (partial cover)
  • Brain surgery
top

Want a comprehensive level of cover or looking to start a family? Then our top cover could be for you.

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  • No excess for kids
  • Accident
  • Ambulance
  • Wisdom teeth
  • Removal of tonsils & adenoids
  • Removal of appendix
  • Joint investigations & reconstructions
  • Minor gynaecology
  • Grommets in ears
  • Rehabilitation
     
  • Palliative care
     
  • Psych
     
  • Brain surgery

*Price is for Single cover in NSW paying by direct debit and includes an Australian Government Rebate of 25.934% with a 0% Lifetime Health Cover Loading. ^Tasmania and Queensland have State schemes that cover ambulance services for residents of those States.

Extras only cover

All our extras cover includes:

Unlimited emergency ambulance^
You choose your providers
No gap dental check-up at select dentists
black 50 saver

50% back up to annual limits for the basics: routine dental, physio, chiro and osteo.

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50% back
  • Emergency Ambulance
  • Routine dental
  • Complex dental
  • Major dental
  • Physio
  • Chiro
  • Osteo
  • Optical
    (100% back)
  • Natural therapies
  • Orthodontics
black 60

60% back on dental and therapies such as physio and remedial massage, plus 100% back on optical, up to annual limits.

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60% back
  • Emergency Ambulance
  • Routine dental
  • Complex dental
  • Major dental
  • Physio
  • Chiro
  • Osteo
  • Optical
    (100% back)
  • Natural therapies
  • Orthodontics
lifestyle
Most popular

Complete dental including braces, a range of natural therapies and health improvement benefits plus more. You’ll be loving life with plenty of extras goodness.

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100% back on optical
  • Emergency Ambulance
  • Routine dental
  • Complex dental
  • Major dental
  • Physio
  • Chiro
  • Osteo
  • Optical
    (100% back)
  • Natural therapies
  • Orthodontics
family

From braces and orthotics to pre and post natal services this one’s for the whole family. Also no family limits means everyone’s got their own limit.

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No family limits
(everyone has their own)
  • Emergency Ambulance
  • Routine dental
  • Complex dental
  • Major dental
  • Physio
  • Chiro
  • Osteo
  • Optical
    (100% back)
  • Natural therapies
  • Orthodontics
super

The biggest bunch of extras we’ve got. Plus unlimited routine dental to keep you and your teeth happy.

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Unlimited routine dental+
  • Emergency Ambulance
  • Routine dental
  • Complex dental
  • Major dental
  • Physio
  • Chiro
  • Osteo
  • Optical
    (100% back)
  • Natural therapies
  • Orthodontics

*Price is for Single cover in NSW paying by direct debit and includes an Australian Government Rebate of 25.934%. ^Tasmania and Queensland have State schemes that cover ambulance services for residents of those States. +Some dental items have a maximum number of times you can claim towards them each financial year.