Extras Cover

Extras cover (also called ancillary cover or general treatment) provides insurance against some or all costs of treatment by ancillary health service providers, not otherwise covered by Medicare. Extras policies may be offered separately or combined with hospital cover.

There are three general categories of policies.





Waiting Period

General Dental 2 Months
Major Dental 12 Months
Orthodontic 12 Months
Optical 2 Months
Physiotherapy 2 Months
Chiropractic 2 Months
Podiatry 2 Months
Natural Therapies 2 Months
Remedial Massage 2 Months
Hearing Aids 12 Months
Health Appliances 12 Months
Pharmacy 2 Months

How do I claim?

There are a number of ways to claim back on extras from your health fund.

claims card

Claims Card

Your health fund card will also double up as a claims card for extras services. If your provider uses HICAPS or iSoft, your card can be swiped to simply deduct your benefit at the point of service. Then you just pay whatever is left over.

online membership services

Online member services

Most funds provide you a login to their Online Member Services portal to submit your claims online.

email, fax or postal mail

Email, fax or postal mail

Just complete a claim form and submit it with your provider invoices to be processed.

over the phone

Over the phone

To claim over the phone, call your health fund with your membership number and provider invoice handy.

Can I make claims through Health Insurance Advocates?

Unfortunately not. Anything you wish to claim on must be done through your health fund directly. If you are with one of our partnered funds, you can find a claim form, or contact details here:

Australian Unity Logo

Download a Claim Form

GMHBA logo

Download a Claim Form

nib Logo

Download a Claim Form

Are you covered for things you don’t need? Or don’t have enough cover? Let Health Insurance Advocates know how we can help!

Contact Us

“HIA simplified the process of sorting through the various policies available. It was an exceptionally quick and easy process.”

- Rebecca Crook, VIC