A great, no fuss, basic extras policy that covers general dental and emergency ambulance. If you don't think you'll need any extras treatment outside the ol' pearly whites, this is a great option to consider.
No gap on two 6-monthly clean and check-ups each year with a Bupa partner dentist, claimable outside your normal yearly benefit limits.
Unlimited emergency ambulance cover.
100% back on general fillings with a Bupa partner dentist, up to yearly benefit limits.
Only covers dental and ambulance, nothing else.
The best deal on dentistry requires you to use a Bupa partner dentist.
Limits and waiting periods will apply, be sure to read the PDS.
Hospital Treatments
Extras Treatments
General Dental
Bupa's Extras Saver took out the 2025 Finder Award for Core Extras Health Insurance. This policy offers outstanding value for those essential, frequently used extras services, making it a true standout for managing everyday health costs.
Best Medium Extras Health Insurance: ahm value extras
A really nice mid-tier extras policy that will cover a range of useful treatments like dental, physio and optical. Optical in particular is a standout, this policy will score you a free pair of glasses each year (up to your benefit limits). Doesn't cover more complex treatments, but if that's not an issue, this is a great value policy to consider.
100% back on optical, up to yearly benefit limits.
No gap dental check-ups at partner dentists.
Unlimited emergency ambulance.
No major dental, though that's not uncommon at this price point.
Limits and waiting periods will apply, be sure to read the PDS.
Hospital Treatments
Extras Treatments
General Dental Major Dental Endodontic Optical Non-PBS Pharmaceuticals Physiotherapy Chiropractic Psychology Acupuncture Remedial Massage
ahm has claimed the 2025 Finder Award for Medium Extras Health Insurance with its value extras policy. This policy achieves a fantastic balance between cost and coverage, offering a strong suite of benefits for those mid-range extras services.
Best Comprehensive Extras Health Insurance: ahm Family Extras
A really solid policy from ahm. Along with the lifestyle and super extras, family extras has no 2 or 6 month waiting periods baked into the policy, even without any special sign-up offers. Great value cover for a range of treatments, including major dental and braces. If you're a family with young teenagers, have a look at this one!
No 2 or 6 month waiting periods, so you can start claiming right away.
100% back on optical, up to yearly benefit limits.
Not much really. It might be more cover than some people need, but that's about it.
Limits and waiting periods will apply, be sure to read the PDS.
Hospital Treatments
Extras Treatments
General Dental Major Dental Endodontic Orthodontic Optical Non-PBS Pharmaceuticals Physiotherapy Chiropractic Podiatry Psychology Acupuncture Remedial Massage Hearing aids
ahm's Family Extras policy is the 2025 Comprehensive Extras Health Insurance award winner. Providing expansive coverage across a vast array of extras services, it offers truly thorough protection designed with families in mind, earning it the top spot.
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.
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
Get a $300 digital Visa card when you switch to a combined hospital and extras policy with HBF through Finder. Offer available to the first 190 eligible customers from 11 - 30 June 2025.
Private health insurance provides coverage beyond Medicare. It can make in-hospital healthcare more convenient and everyday healthcare costs more affordable. Learn more.
Get affordable cover for ambulance transport if you are not already covered under Medicare. Compare quotes from Australian funds to decide which level of protection is best for you.
There are a number of reasons why taking out private health cover now rather than later can be a smart thing for singles to do.
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