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