Simple Extras Cover


per week

*Price is for Single cover in NSW and includes an Australian Government Rebate of 24.608%  with a 0% Lifetime Health Cover Loading. 

Simple Extras gives you an essentials package at an affordable price. This is Extras with the essentials that is ideal for people who want to try Extras for the first time to get the base level optical, dental, physio + much more to make your life easier.

Did you know about the Peoplecare combined Hospital and Extras cover discount? Get a 10% discount off any Peoplecare Extras cover when combined with any Peoplecare Hospital cover.

Benefit percentage: 50% Some services have set benefits.

  • 100% Optical benefits on glasses and contact lenses
  • General dental (preventative check-ups, X-rays, basic restorations, basic surgery & extractions)
  • Pharmacy
  • Physiotherapy
  • Occupational therapy
  • Orthoptics (eye therapy)
  • Exercise physiology
  • Hydrotherapy
  • Chiropractic
  • Osteopathic
  • Health management programs to help with the cost of certain health programs, equipment & screening services.
  • Unlimited ambulance cover
  • Access to member perks

* Prices quoted have been rounded within 10 cents.

What's covered

Preventative, x-rays, basic restorations, basic surgery & extractions.

2 month waiting period.

^There are some tricky rules about dental item numbers and some sub-limits in all levels of dental cover. Please make sure you contact us for a quote before getting treatment.

6 month waiting period.

2 month waiting period.

  • Set benefits (Initial & Standard consultation):
    • Physiotherapy
    • Occupational therapy
    • Orthoptics (eye therapy) 
  • Percentage benefit:
    • Exercise physiology
    • Hydrotherapy

1 initial consultation per year per service except physiotherapy which has 2 initial consultations per year.

2 month waiting period.

1 initial consultation per year per service.

1-day waiting period.

Benefit percentage: 100%.

What's covered 100% nationwide What's not covered
  • Emergency ambulance treatment and transport to hospital via road, air and sea by a state ambulance provider
  • Non-emergency road and air ambulance transport by a state ambulance provider
  • Emergency ambulance treatment without transport
  • Emergency ambulance transport between hospitals
  • Unlimited nationwide
  • General patient transport, e.g. hospital to home, nursing home, medical appointments
  • Ambulance subscriptions, fees and state-based levies
  • Ambulance services that are paid for by the Government, compensation or other kinds of insurance
  • Any transport provided by a non-recognised state ambulance provider


After the standard PBS amount has been deducted.

2 month waiting period.

Pharmacy benefits can be claimed for prescription medication that costs more than the current Pharmaceutical Benefit Scheme (PBS) amount. This amount changes on 1 January every year and is $31.60 as at 1 January 2024.

Travel expenses. Conditions apply. Please call us for more information and eligibility.

6 month waiting period.

mother and daughter doing yoga inside

Need more cover?

Upgrade to Mid Extras to get 60% benefits on some services, increased set benefits & annual limits and add on:

  • Major dental including periodontics, endodontics, crowns & bridges, implants & dentures
  • Chinese herbal consults
  • Remedial massage
  • Acupuncture
  • Dietetics
  • Podiatry

How to make an Extras claim

Option 1. Swipe your card and claim instantly

EFTPOS-style claiming is easy. Swipe your membership card and the claim is paid. On-the-spot claiming, called HICAPS, is available at most health providers like dentists, optometrists, physios, chiros and more. You just pay the difference between their fee and your fund benefit – no claim form needed.

Option 2. Claim with our mobile app

Forgot your membership card or have a more complex claim? Our mobile app is all about making claiming a breeze. Simply take a photo of your receipt on your smart phone or tablet, open our app, submit your pic and your claim will be sent to us in record time. Download the app by searching ‘Peoplecare’ on the Google Play store or App Store.

Extras cover - more information

  • Annual limits are for a financial year (1 July - 30 June) and are usually per person (unless it says otherwise).
  • Optical benefits (glasses & contacts) are paid when glasses or contacts are prescribed by a registered optometrist. They have to be for sight correction and we don't pay on non-prescription sunglasses.
  • Smiles all 'round - We've teamed up with the network of quality dentists.
    You can now visit any of the friendly dentists around the country and you'll get at least 15% off their usual fee for all treatments - just for having extras cover with Peoplecare. This offer is separate to your extras limits and waiting periods, so you'll get savings all year-round.
  • Health Management - We pay benefits for approved programs to manage or treat specific health condition. Health screening services such as blood pressure testing, cholesterol checks, mammograms and hearing tests can be claimed if Medicare doesn't pay a benefit. Please give us a call for details. Under the Private Health Insurance Act, we can't pay benefits for goods and services that are for the purposes of sport, recreation or entertainment (like gym memberships). You'll need to send us a Declaration of Condition form

Please see Cover Description for full product information.

What's not covered

There are a few things that aren't covered by your extras cover. They are treatments & services

  • received within your waiting periods
  • received outside Australia
  • covered by compensation or another type of insurance (like third party or sports club insurance)
  • received more than 2 years ago
  • received from providers that aren't registered or recognised by Peoplecare
  • received from a family member, relative, business partner or yourself
  • you weren't charged for
  • for sport, recreation or entertainment


  • Pharmaceutical Benefits Scheme (PBS) prescriptions under the standard PBS amount, contraceptives or over-the-counter medicine
  • Naturopathic & herbal medicines
  • First-aid kits & courses
  • Non-prescription glasses, contacts and sunglasses
  • Ambulance subscriptions or state-based levies
  • Ambulance services paid for by the Government, compensation or another type of insurance
  • Ambulance services that aren't medically necessary
  • Receipts issued by a third party, like group buying websites or group deals
  • If you're using a gift voucher, we can't pay the difference between the cost of the service and the value of the voucher. For example, if you use a $60 voucher to pay for a $40 service, you can only claim back the $40 as the official fee for that service.
  • Benefits higher than the amount you paid for the service. For example, if you receive a treatment that's discounted from $65 to $30, we only pay a benefit towards the fee you paid (i.e. $30)
  • Surcharges, delivery costs and credit card processing fees