Extras cover

Extras cover (also called ancillary cover or general treatment) and Hospital cover can be taken out separately as Hospital only or Extras only cover. When they are taken out together, it is called Combo cover (short for Combination). The guide explains the key features of Extras cover and how it’s different to Hospital cover.

Did you know about Peoplecare’s combo discount? Get a 10% discount off any Peoplecare Extras cover when combined with any Peoplecare Hospital cover. Sweet!

Advantages of Extras cover

  • All that cover!
    Extras cover helps with things you generally don’t get for free from the public health system in Australia like:*
    • dental
    • optical
    • physio
    • chiro
    • osteo
    • acupuncture
    • remedial massage
    • hearing aids
    • laser eye surgery
  • Score a rebate
    Members can score a rebate (depending on your income) from the government to reduce the cost of Extras and Hospital cover premiums. It’s called the Australian Government Rebate on Private Health Insurance. View the income thresholds here.


Choosing an Extras cover is easy.

We have four options – Premium, High, Mid & Simple – so you can choose the best one for your needs & budget.

Please keep in mind that most services have an annual limit and waiting periods might apply.


The Peoplecare Extras cover advantages

Ambulance cover included

One thing that Peoplecare includes as a bonus is 100% land, air and sea ambulance cover with no annual limits with every Peoplecare cover.* A short trip in an ambulance can be eye-wateringly pricey. To view what you get, read here. 

*State-recognised ambulance providers only. 


Health management benefits

We pay benefits for diagnostic health screening services such as blood pressure testing, cholesterol checks, mammograms and hearing tests can be claimed if Medicare don’t pay a benefit. 

Freedom to use your benefits where you want

You can take Peoplecare’s generous advertised benefits to any registered provider you’d like. Many health funds only pay generous benefits when you go to their brand-owned clinics. However, you can get great benefits at your favourite dentist, physio, optical store and more! 


There are some important things you need to know about your cover.

  • Waiting periods (including those for pre-existing conditions)
  • Cooling off period - Changed your mind about your cover? No worries! Just let us know within 30 days of joining or upgrading your cover and you'll get a full refund of any premiums paid (as long as you haven't made any claims in that time, of course)



*There are some government programs, generally means-tested (subject to income and/or social background criteria), that can help pay for some extras services. An example is the Child Dental Benefit Schedule. Another exception is treatment received under a Chronic Disease Management Plan. Peoplecare can’t provide benefits if you’re receiving a benefit through one of these government programs/plans.