How to take advantage of hospital and extras cover

Combined cover is when you take out both hospital and extras insurance together. Learn how to make the best of combination health insurance.


Use them together

Weight loss options purple smartwatch icon

Peoplecare offers both hospital and extras cover that provide benefits for weight loss programs and medical conditions common with excess weight.

We're here to support Australians achieve a healthy lifestyle.


Read more

Vision purple eye test chart icon

A little trick can help you make sense of health insurance for your eyes:

  • extras cover improves your sight (laser eye surgery, glasses & contacts)
  • hospital cover removes things from your eyes (cataracts, infections, trauma to the eye)


Read more

Sleep purple moon icon

Sleep studies diagnose sleep disorders such as sleep apnoea and are a common in-hospital inclusion on hospital covers such as Peoplecare’s Bronze Plus, Silver Plus Grow and Silver Plus (out-of-pocket costs may apply).

A common treatment for sleep apnoea is a Continuous Positive Airway Pressure (CPAP) machine. CPAP benefits are available on a number of Peoplecare extras covers.


Read more

Surgery and recovery purple person broken arm icon

Our team of experts at Peoplecare have a guide to using your extras cover to recover from four common hospital surgeries including:

  • foot surgery
  • hip surgery
  • knee surgery
  • shoulder surgery


Read more

Pregnancy purple pacifier icon

Our pregnancy packages come with extras cover, giving you the healthcare options in and out of hospital for yourself and your baby. Peoplecare extras covers provide benefits for things like:

  • genetic testing
  • physiotherapy
  • chiropractic therapy
  • dental care – pregnancy can affect teeth and gums. Gum disease is linked to premature birth and low birth weight

Plus, use your extras benefits to access Nourish Baby, a program that supports parents through pregnancy, birth and beyond.

Read more

Wisdom teeth surgery purple toothbrush icon

Wisdom teeth surgery is an unusual case where extras cover can provide benefits towards out-patient (out of hospital) and in-patient (in hospital) surgical fees from your treating dentist or oral surgeon while hospital insurance can be used for in-patient hospital theatre fees.


Read more

Use them separately

Using your hospital cover orange hospital icon

Learn the tricks to help you avoid unexpected bills if you go to hospital.


Read more

Using your extras cover orange sneaker icon

Learn the tricks to help you avoid unexpected bills if you go to hospital.


Read more

Combine and save

Keep them bundled

Peoplecare’s hospital and extras packages apply a 10% discount on your extras cover compared to taking out extras only cover.

See our combined covers